What is a Structured Settlement

A Structured Settlement is an agreement between a personal injury victim ( a Plaintiff ) and an Insurance company ( the Defendant )to compensate the Plaintiff by the defendant with long term periodicpayments instead of a single cash lump sum.

Payments can be tailored to each individual plaintiffs needs, to help meet expenses such as on-going medical and living expenses, education, children needs & support etc' The fixed annuity payments are tax-free to the claimant, a cost-of-living adjustment (COLA) feature is available, that can help offset the effects of inflation over time, payments can continue as long as the claimant lives thus providing him the maximum benefits.

Structured settlements are encouraged by plaintiffs lawyers, Courts, Insurance companies and the legislators alike as they all agree it is the best solution to all parties involved especially for the claimant.

If you just been injured and need help and advice on how to file a claim, what are the exact forms you need to fill out and how to go about it without it costing you an arm and a leg in legal fees,Let a very experienced paralegal specializing in personal injury claims, guide you with a step by step process and save a bundle of money. Hear what she has to say at: Settle-Your-Own-Injury-Claim.

The annuity can be transformed in part or in full to a cash lump sum via private funds and should be approved by the Court. The funds are most interested to make these deals as they are very profitable to them because they take the long term tax free payments and in exchange pay the annuity holder much less than the face value but in cash.

These same funds are handling Lottery winners long term payments into one single lump sum as well as all kinds services of cash against future payments.

MBA - International Trade & Finance - Heriot-Watt University. Bsc. Computers and Information Systems - Long Island University - C.W Post Campus. Married with two Children.

http://annuity-structured-settlements.blogspot.com/

In The News:

No Fraud In Insurance Structured Settlement Payments  The National Law ReviewIn Ezell v. Lexington Insurance plaintiffs entered into structured settlement agreements with insurers to settle and years later, plaintiffs brought a putative class ...
Did You Know? You Can Invest In Structured Settlements With Your IRA  ForbesInvesting in structured settlements within a self-directed IRA can provide diversification to your retirement accounts. They offer a stream of payments that often ...
Insurance – Structured settlements – Annuities – Commissions  Massachusetts Lawyers WeeklyWhere a defendant insurance company agreed as part of structured settlement agreements to purchase annuities that would make periodic payments to the ...
Toward global settlements | Jason Hungerford | CDR Article  CDR News MagazineJason Hungerford and Faadil Patel of Mayer Brown consider the growth and evolution of Deferred Prosecution Agreements around the world, following a recent ...
California Court Shuts Down Factoring Company’s Attempt to Purchase an Individual Retirement Annuity  JD SupraAnnuity issuers have reason to celebrate a recent decision of the Superior Court of California for San Diego County, shutting down a factoring company's attempt ...
Marion schools settle fifth lawsuit over claims of sex abuse by student volunteer  The GazetteMARION — The fifth lawsuit against the Marion Independent School District and teacher Diane Graham — filed by parents of a kindergartner over claims of sex ...
A New President for the National Structured Settlements Trade Association  Legal Talk NetworkMichelle Caine talks about the advocacy for the financial security of injured people in legal settlements and raising awareness about the benefits of structured ...
Family settlements: the panacea to familial disharmony - Newsletters  International Law OfficeWealth-related disputes are common – even when family and relationships are valued over material needs. As family businesses and relationship circles get ...
Get out of credit card debt for good  FOX 46 CharlotteWhen the credit card bills keep arriving, you're barely paying your minimums and you're at a breaking point, what can you do? Take a deep breath and read on ...
North Dakota Jumps on Auto Renewal Law Bandwagon  JD SupraJoining the recent trend of jurisdictions stepping up oversight of automatic renewal laws, North Dakota has enacted a measure regulating auto renewal ...
Fasano Associates Hires Donald Brink as Chief Underwriter  Business WireDon Brink joins Fasano Associates as it's new Chief Underwriter.
Using Structured Settlements  Palisades Hudson Financial GroupIf you are not familiar with the term “structured settlement,” you are already lucky; that probably means you have not been involved in a serious accident where ...
Mediated Settlements: The Way Ahead for India  Bar & BenchInformal mediation in India is prevalent since time immemorial. It was never unusual for disputes to be resolved before a trusted third-party mediator.
They sought ‘lead paint virgins’ and bought their settlements. It will be hard for those victims to get their money back.  Washington PostA Chevy Chase company that made millions of dollars from deals with victims of lead poisoning targeted an “entire generation of youth coming of age in ...
Structured Settlement Claimants Rights Act Gains Momentum  Legal ExaminerIn April, we described the protections that the Structured Settlement Claimants Rights Act, also known as H.R. 2212, would provide plaintiffs and claimants if ...
DRB Capital Goes After Structured Settlement Factoring Parasites  PRNewswireDELRAY BEACH, Fla., Jan. 15, 2019 /PRNewswire/ -- DRB Capital, LLC ("DRB Capital") today announced that as part of its continuing efforts to uncover and ...
To Structure (or Not to Structure) Your Settlement?  Legal ExaminerIt has been ten years since the financial meltdown of 2008. Even though most investors who stayed the course saw their assets rebound in value by the the ...
$1.7 million paid in confidential state settlements  KRQE News 13"It's embarrassing to many of those involved," says former State Police Chief Pete Kassetas.
Bora Bora or Bust: Annuity Sales Incentives May Taint Structured Settlements for Accident Victims  Kiplinger's Personal FinanceDid you know that posh trips and other incentives are sometimes offered to those who recommend annuities for accident victims? Here's what consumers should ...
J.G. Wentworth gets easier Aaa on next structured settlement ABS  Asset Securitization ReportJ.G. Wentworth first securitization of 2019 is backed by a similar mix of structured settlement and annuities receivables as its second deal of 2018, but the credit ...
Structured Settlement Industry Leaders Unite: Millennium Settlements separates from Integrated Financial Settlements and combines with The Settlement Alliance to form Sage Settlement Consulting  PR NewswireATLANTA and HOUSTON, Oct. 29, 2018 /PRNewswire/ -- Founded in 1984, Millennium Settlements, Inc. is separating from Integrated Financial Settlements, Inc.
The 19 Best Stocks to Buy for the Rest of 2019  Yahoo FinanceThe past year has been exciting, if not a little stomach-churning. A raucous 25% rally to start the year unwound a miserable last few months of 2018, but that big ...
DRB Capital Files Lawsuit Against Structured Settlement Companies  Insurance News NetThe Lawsuit Alleges a Violation of Florida's Deceptive and Unfair Trade Practice Act, Tortious Interference.
Asta Funding Inc (NASDAQ:ASFI) Institutional Investor Positioning Change  Invest TribuneAsta Funding Inc (NASDAQ:ASFI) institutional sentiment increased to 1 in 2019 Q1. Its up 0.43, from 0.57 in 2018Q4. The ratio improved, as 4 funds increased or ...
Leveraging AI to streamline insurance operations and enhance customer experience  MoneycontrolThere is a need for insurance companies to have a focus towards providing user-centric and empathy driven experience for customers.
The Evolution of the Structured Settlement Industry  Legal ExaminerAre factored payments streams legal? Buying an existing structured settlement annuity, and having the rights to the payments due under the structured ...
UNHCR Monthly Protection Update Child Protection (CP) (April 2019) - Uganda  ReliefWebEnglish Situation Report on Uganda about Education, Food and Nutrition, Children, Persons with Disabilities and more; published on 30 Apr 2019 by UNHCR.
Outlook for life settlements in 2019  Financier WorldwideMarch 2019 | TALKINGPOINT | FINANCE & INVESTMENT. Financier Worldwide Magazine. May 2017 Issue. March 2019 Issue ...
DRB Establishes $100000 "Bounty" for Whistleblowers with Information About Illegal Conduct in the Structured Settlement Factoring Market  PR NewswireDELRAY BEACH, Fla., Aug. 8, 2018 /PRNewswire/ -- DRB Capital, LLC ("DRB Capital") has established a private whistleblower fund to reward individuals who ...
What is your Structured Settlement Worth?  Legal ExaminerBased on our recent post about the secondary market for structured settlement annuities, you know that transferring your rights due under your structured ...
Ametros Publishes White Paper on the Combination of Structured Settlements & Professional Administration  Business WireAmetros' white paper discusses pairing professional administration services with structured settlements to protect injured parties' settlement funds.
Victims of lead-paint poisoning could receive more money following ruling  Washington PostVictims of lead-paint poisoning who lost millions in deals with a Chevy Chase company may be able to get more money back than they initially expected, after ...
Qualified Settlement Funds, Who?  Legal ExaminerA qualified settlement fund (QSF) is an escrow account that offers benefits to the plaintiff, the defendant, AND the attorney.
Six times ANZ has been in regulators' naughty corner  Stuff.co.nzThe move by the Reserve Bank on May 17 leaves it as the only one of the big banks not trusted by the banking regulator after it found "a persistent failure in its ...
Africa Preps For Modern Payments: Q&A With Ecobank Group Head Of Cash Management And Client Access Isaac Kamuta  Global FinanceIsaac Kamuta, group head of Cash Management and Client Access at Ecobank, explains how technology is helping Africa provide the next level of financial ...
House moves to stop attorney general from settlements such as the one with Purdue  Tulsa WorldHouse Bill 2751, one of more than 45 measures introduced in the last few days as part of the state budget package, specifies that settlements and judgments ...
How RPA can Simplify 5 Scenarios in Healthcare Industry?  Healthcare Tech OutlookFREMONT, CA: The inducement of Robotic Process Automation (RPA) in the healthcare sector has given hope to manage and create feasible solutions for ...
The Beginnings of Structured Settlements  ClaimsJournal.comCurrently an estimated $5 billion industry, structured settlements were once considered too risky because tax implications for insurers and claimants.
Derivatives no different from an axe or matchstick – depends on how we use it  The Financial ExpressHaving a big domestic market for derivatives furthers the goal of an international financial hub. Liquidity brings more liquidity.
Settling for more: Isaacs offer attorneys and clients a dual lineup of services - Buffalo  Buffalo Business FirstPaul Isaac was a financial planner for only a short time when he noticed people who received settlement money from personal injury cases were prone to spend ...
Why Congress needs to reform structured settlements | TheHill  The HillPresident Trump's tax reform announcement is likely to jumpstart Congress' focus on reforming the federal tax code. Almost no industry is more vested in tax ...
What's A "Structured Settlement"?  ForbesLike so much else in the world, structured settlements are mostly about taxes.
How to Invest in Structured Settlements  NasdaqStructured settlements are usually associated with compensation to injured plaintiffs following a legal hearing. They are more than just a mere.
SenecaOne Launches Newly Redesigned Website to Provide Annuitants with the Easiest Way to Get Financing  Markets InsiderBETHESDA, Md., Jan. 16, 2019 /PRNewswire-PRWeb/ -- SenecaOne, the only licensed lender in the country that caters specifically to structured settlement and ...
Full list – here is Ramaphosa’s new cabinet  BusinessTechPresident Cyril Ramaphosa has announced his new cabinet, along with significant changes to how it is structured.
Moody's assigns definitive ratings to J.G. Wentworth structured settlement securitization  Moodys.comNew York, March 08, 2019 -- Moody's Investors *Service* (Moody's) has assigned definitive ratings to two classes of notes issued by J.G. Wentworth XLIII LLC (the ...
Automatic Renewal Law Awaiting Mayor Approval in Washington DC  LexologyWashington D.C. is in the process of enacting the Structured Settlements and Automatic Renewal Protections Act of 2018 (the “Act”). In part, the…
Best Structured Settlement Companies for 2019  ConsumerAffairsWant to sell a structured settlement? Find the best structured settlement companies. Read customer reviews. Learn about purchasing prices, surrender charges ...
The structured-settlement industry is behind greater transparency  Washington PostThe National Association of Settlement Purchasers supports proposed legislation in Maryland and Virginia that would supplement existing measures in order to ...
Protecting structured settlements in DC  Washington PostThe Post recently revealed, using lead-poisoning cases in Baltimore as an example, that unsophisticated people with structured settlements are being victimized ...
Rethink the WTO’s Role in a Digital, Divided World  Chatham HouseThe strains facing the WTO are not easily resolved. However, as momentum for trade liberalization has historically come from 'coalitions of the willing' – based ...
Washington, DC, Adds Auto Renewal Law  Manatt, Phelps & Phillips, LLPD.C. joined the growing number of states regulating auto-renewal contracts when Mayor Muriel Bowser signed the new law into effect this month.
4 Common Tax Questions on Structured Settlements  Accountingweb.comTax questions are plentiful especially at this time of year. But there are some questions that come up less often than others, especially for the standard ta.
J.G. Wentworth's next ABS features less exposure to annuities  Asset Securitization ReportJG Wentworth's second securitization of the year has more exposure to court ordered structured settlement and less exposure to annuity payments than its other ...
Structured Settlements, Annuities & Special Needs Trusts  Legal ExaminerPersonal injury lawsuits involving minor or moderate injuries are often settled with lump sum payments, in which the entire settlement amount is simply paid to ...
Companies accused of misleading consumers about settlements will pay restitution, attorney general's office says  Baltimore SunA company accused of using misleading tactics to get consumers to take cash in exchange for settlements that would have given them regular payments over ...
Structures to separate from Integrated Financial Settlements (IFS)  PR NewswireATLANTA, Nov. 2, 2018 /PRNewswire/ -- Structures is separating from Integrated Financial Settlements, Inc. (IFS) to move forward as an independent company.
Pros And Cons Of Structured Settlement Annuities  Law360A structured settlement annuity that pays at a predefined periodic frequency is often employed in resolving personal injury cases and has received wide support ...
Asta Funding Inc (NASDAQ:ASFI) 2019 Q1 Sentiment Report  The MAK DailyAsta Funding Inc (NASDAQ:ASFI) institutional sentiment increased to 1 in Q1 2019. Its up 0.43, from 0.57 in 2018Q4. The ratio has improved, as 4 institutional ...
This structured settlement ABS comes with unusual risk: mortality  Asset Securitization ReportThe collateral for the $59.9 million transaction from DRB Capital includes life-contingent structured settlement receivables; when the beneficiary dies, the insurer ...
Consider the alternative  InvestmentNewsWhy alternative investments have a place in your clients' portfolios.
Want good rental returns? Head to Nanyuki  The Standard[Mose Sammy, Standard] Nanyuki could be the area to head to in the Mount Kenya region for you, if you are looking good good returns in rental yields. This is ...
Symetra Completes Reinsurance Transaction with Resolution Re  Business WireSymetra has entered into a reinsurance agreement with Resolution Re.
Antonucci: LA and Oakland teacher strike settlements are structured differently, but the results are the same  LA School ReportMike Antonucci's Union Report appears weekly at LA School Report. The Oakland teacher strike came to an end after seven days with another “historic” contract ...
Settlement, Negotiations, and Release - Considerations in Insurance Liability Claims  The National Law ReviewA settlement is in place. The parties to the litigation have executed an agreement that embodies their negotiations. Some walk away with a release. Others walk ...
When a Qualified Settlement Fund is the Solution You Need  Legal ExaminerA qualified settlement fund (QSF) is a fund, account, or trust that holds settlement proceeds. A QSF is a settlement escrow that allows for proper settlement ...
How companies make millions off lead-poisoned, poor blacks  Washington PostBALTIMORE — The letter arrived in April, a mishmash of strange numbers and words. This at first did not alarm Rose. Most letters are that way for her ...
What Purdue Pharma’s settlement with Oklahoma means for the opioid crisis  PBS NewsHourDrug giant Purdue Pharmaceuticals has agreed to pay $270 million to settle a lawsuit with the state of Oklahoma, which sued the opioid manufacturer, among ...
Bonding Requirement Added for Maryland Structured Settlement Companies  Insurance JournalA new bonding requirement for structured settlement factoring companies in Maryland took effect on October 1. The bonding requirement was introduced with.
AIG accused of racketeering in structured settlement business  ReutersInsurance giant American International Group has been hit with a racketeering lawsuit accusing it of unlawfully charging successful personal injury and workers' ...
AG's lawsuit: Firm targeted lead paint poisoning victims in Baltimore to make profit  WBAL TV BaltimoreNew court filings reveal how a Montgomery County firm targeted lead paint poisoning victims in Baltimore to make a profit. The filings are part of an ongoing ...
PM, Modi have ‘courtesy’ interaction in Bishkek  DAWN.comBISHKEK: When India prepares itself for talks to resolve all outstanding issues with Pakistan, it will find its neighbour prepared, as Pakistan is neither in haste ...
Asta Funding Inc. (ASFI)'s Financial Results Comparing With TTEC Holdings Inc. (NASDAQ:TTEC)  The NBO NewsAsta Funding Inc. (NASDAQ:ASFI) and TTEC Holdings Inc. (NASDAQ:TTEC), are influenced by compare since they are both players in the Business Services.
Maryland attorney general urges structured settlement reforms  Baltimore SunMaryland's attorney general urged lawmakers on Thursday to give his office the ability to regulate deals offered by businesses that buy legal settlements at steep ...
Morning Notes: Lawsuit Filed Against Chevy Chase Company That Targeted Victims of Lead Poisoning » Bethesda Beat  BethesdaMagazine.comLawsuit filed against Chevy Chase company that targeted victims of lead poisoning. A Chevy Chase company that made millions of dollars from victims of lead ...
Qualified Settlement Funds Are a Useful Settlement Planning Tool (And Not Just for Plaintiffs)  Legal ExaminerThe use of qualified settlement funds (QSFs) is mainstream practice across mass tort settlements, but it is still an emerging practice in single event and individual ...
Qualified Settlement Fund  Legal ExaminerQualified Settlement Funds are a great planning tool for the end of litigation.
Asta Funding Inc Stock in 2019 Q1 Driven by Institutional Investors  Invest TribuneAsta Funding Inc (NASDAQ:ASFI) institutional sentiment increased to 1 in Q1 2019. Its up 0.43, from 0.57 in 2018Q4. The ratio is better, as 4 funds opened new ...
Insurer Great-West Lifeco seeks to sell $2 billion worth of contracts: sources  ReutersGreat-West Lifeco Inc , Canada's second-biggest insurance company, is exploring the sale of a collection of insurance contracts that could fetch as much as $2 ...
Rising Capital Associates Announces 'Structured Settlements' Scholarship  PR NewswireDELRAY BEACH, Fla., Dec. 1, 2016 /PRNewswire/ -- Rising Capital Associates, a leading structured settlement purchaser and annuity buyer, is giving a $1000...
Some structured settlements may offer significant advantages  CBS NewsStructured settlements don't seem to be a good deal for investors, but their non-securitized counterparts might be.
BUDGET 2019/20: Proposed rate increases loom  News24Continued from page 1. BOBANI said during his proposed budget speech that a safety and security summit was in the pipeline. “This summit will ...
Loyal to their Class, Unhinged from Democracy  The Real News NetworkAs stunning as it may sound, an argument can be made that neither the Nazi Party's rise to power nor even WWII itself could have happened without the backing ...
Benefits of Using Structured Settlements in Claims Negotiations  ClaimsJournal.comAt zero expense to the carrier, tax-free, and tailored to fit the needs of the claimant, structured settlements are a powerful tool claims personnel can.
Pension Broker Settles with CFPB  The National Law ReviewCFPB has announced a settlement agreement with pension broker, Mr. Corbett, alleging for his alleged lump sum payment received for helping veterans set up ...
How Much will the US Way of Life © Have to Change?  ResilienceDebates about the Green New Deal—Ocasio-Cortez's version and occasionally radical varieties such as that of the US Green Party—have incited much ...
Undisclosed, lavish trips are creeping into the injury settlement business  Yahoo FinancePacific Life has been offering brokers structured settlement industry trips, which are not disclosed to clients. This is a potential conflict of interest.
Pension Company Adds Leading Structured Settlement Brokers, Builds West Coast Operations  GlobeNewswireKING OF PRUSSIA, Pa., June 3, 2015 (GLOBE NEWSWIRE) -- via PRWEB - The Pension Company (TPC) today announced that two structured settlement ...
Lawsuit Alleges MetLife Mistake Helped a Woman Keep Settlement Money From Her Daughter  Wall Street JournalA lawsuit related to medical malpractice is the latest example of an unexpected problem popping up at MetLife from decades-old business.
No License, No Chips? No Dice: Dissecting Judge Koh's Opinion in FTC v. Qualcomm  ForbesOn May 21, U.S. District Judge Lucy Koh ruled that Qualcomm used its monopoly power to coerce companies into paying “unreasonably high” royalties on ...
Sentiment Change Report: Asta Funding Inc (NASDAQ:ASFI)  Invest TribuneAsta Funding Inc (NASDAQ:ASFI) institutional sentiment increased to 0.57 in 2018 Q4. Its up 0.07, from 0.5 in 2018Q3. The ratio is better, as 4 investment ...
Reviewing Ritchie Bros. Auctioneers Incorporated (RBA)'s and Asta Funding Inc. (NASDAQ:ASFI)'s results  The NBO NewsThis is therefore a contrasting of the risk, analyst recommendations, profitability, dividends, earnings and valuation, institutional ownership in Ritchie Bros.
A Quick Look at Velocity Property Group's FY19 Half Year Results  Kalkine MediaAn Australian boutique property development company, Velocity Property Group Limited (ASX: VP7) is known for its innovation, cutting-edge design and ...
Jim DeRogatis’ Soulless Is a Damning Look at Why It Took So Long For R. Kelly to Fall  PitchforkA combination of biography, investigative reporting, and cultural criticism, the new book builds on DeRogatis' decades of work involving Kelly.
The flawed system that allows companies to make millions off the injured  Washington PostFirms make tens of millions off some of the state's most vulnerable residents who at times exchange lifetimes' worth of income for pennies on the dollar.
Independent Insurance Group Announces Launch  PR NewswireDALLAS, April 30, 2018 /PRNewswire/ -- Company officials today announced the launch of the Independent family of companies including subsidiary affiliates ...
Congress' duty to investigate structured settlement fraud  The HillCongress' good intention with these structured settlements has devolved into a system of deception and financial swindling.
What Next for Asta Funding Inc (NASDAQ:ASFI) Stock After Decrease in Shorted Shares?  The MAK DailyInvestors sentiment increased to 0.57 in 2018 Q4. Its up 0.07, from 0.5 in 2018Q3. It improved, as 3 investors sold Asta Funding, Inc. shares while 4 reduced.
Think Twice Before Selling a Settlement  NerdWalletIf you're getting regular payments from an annuity or other structured agreement, "factors" may offer to buy it. Think twice before selling a settlement.
Podcast 203: Viola Llewellyn of Ovamba  Lend AcademyThere is an interesting juxtaposition in Africa. On the one hand you have incredibly successful mobile payment initiatives like M-Pesa in Kenya and Paga in ...

Cash For Structured Settlements - The Smart Way

For most people when they buy a house it is... Read More

Should You Sell Your Structured Settlement?

The courts have just awarded you a settlement in the... Read More

Investing in Structured Settlements

Often some derelict will be awarded some huge amount of... Read More

How To Form a UK Limited Company

When starting a business, a large number of people go... Read More

The Target Capital Structure

Firms can choose whatever mix of debt and equity they... Read More

Surviving High Debt States

Are you more likely to have more debt according to... Read More

Unstructured Settlement

Me'Lisa Delaney, 43, is brain-injured as a result of a... Read More

Structured Settlements Offer Advantages over Lump-Sum Payments

A structured settlement, which offers injury victims cash payments through... Read More

A Revolutionary Fundraising Opportunity -- Life Settlements

Amid fundraisers' growing concerns about the current charitable giving climate,... Read More

What is Structured Settlement?

Because it is tailor-made for individual cases, the structure may... Read More

The Cash Now Question

If you have ever been in a bind for cash... Read More

Structured Settlement as an Investment Vehicle

You always hear people talking about the latest investment vehicle... Read More

The Cost of Not Having Money

The self-esteem factor of not having enough money is underestimated.... Read More

Annuity Transfer - What Are the Risks

Many people who know in the back of their minds... Read More

What is a Trust and what are the Benefits?

Trusts are becoming a popular way to structure business and... Read More

Making Backwards Choices

I was reading this past week about a woman who... Read More

Options for Lawsuit Settlement Winners Receiving Periodic Payments

On January 22,2002, President George W. Bush signed into law... Read More

Structured Settlements Are Like Ants

Ants are powerful creatures. The powerful ant legs are able... Read More

Lucky

Have you ever looked around and wondered how everyone is... Read More

What is a Structured Settlement

A Structured Settlement is an agreement between a personal injury... Read More

Individual Voluntary Arrangements. IVA

What is an IVA?There is an alternative to bankruptcy called... Read More

Structured Settlements ? Should You Sell Yours?

In recent years, it has become more common for victims... Read More

When Should You Not Cash Out Your Annuity?

You should not cash out your annuity when it's not... Read More

Class Action Lawsuits

First of all, let me say that anyone who has... Read More

Structured Settlement ? Guaranteed Income for those with Disabilities

Up until twenty years ago, anyone who won a lawsuit... Read More