The program is to pay the settlement company their up-front fee over the first several months, then save up enough (on your own) to make some lump-sum settlements.
Question: If you were going to save up enough on your own to fund some settlements, why should you need to pay the settlement company a bunch of money first You’re paying them while you do all the work!
This business model is being exposed by law enforcement in several states. Here is an article about the Montana Attorney General going after them. Several other states have already opened investigations.
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