OK, first let me say that I know these places are basically a rip and will take a good chunk of the money. I am only looking into this for my wife's sake. She is expecting a settlement (just under 100K) that is supposed to be paid partially within 30 days and completely by 6 months. I have seen advertisements (although not recently) of companies that will "advance" you your Lotto winnings or other guaranteed settlements for a "fee". Anyone know of one of these and if there is such a thing, one that is half way reputable? She really wants to get this so she can invest in a retirement home she found. We were counting on it sooner and just found out that it will be much longer than expected. I would appreciate any help you can offer. I realize there are some other options; this is just one that I am researching for her.