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They can try, and they frequently do. What matters is whether you are required to accept that language as a condition of receiving the settlement you agreed to, and the answer to that question is no, you are not. A settlement is a contract, and like any contract its terms are a product of negotiation […]

The moment settlement money lands in your bank account, something shifts. The long process of dealing with insurance companies, medical providers, attorneys, and paperwork is over, and what you have now is a sum of money that represents everything you went through to get it. For some people that sum is modest. For others it […]

The answer depends heavily on which creditors are asking, which state’s law applies, whether the money is still in a separate account or has been mixed with your other funds, and whether you are dealing with a judgment creditor or simply a debt collector making demands. Those distinctions are not technicalities. They are the actual […]

You have settled your car accident claim and the money is either in your account or on its way, and now you are wondering whether the IRS is going to want a piece of it. This is one of the most common questions people have after settling a personal injury case, and the answer is […]

Most people who receive a settlement check have spent months focused on getting to that moment. The accident, the treatment, the negotiations, the waiting. The check arriving feels like the finish line. In one important sense it is. In another sense, the decisions you make in the weeks and months after you receive it will […]

Settlement checks clear faster than most people expect and slower than most people want. The typical range for a settlement check deposited at a standard bank is one to five business days for the funds to become available, but that range has meaningful variation at both ends depending on the size of the check, the […]

You have your settlement check in hand and you want to know how to turn it into money you can actually use. The short answer is that cashing a settlement check at any bank is generally not possible, and trying to do it the wrong way is going to cost you time, possibly fees, and […]

A settlement check lost in the mail is one of those problems that sounds catastrophic and turns out to be manageable, provided you understand the specific steps that follow and the realistic timeline for resolving them. The money is not gone. A check is a payment instrument, not cash, and a lost check has remedies […]

The question of whether a delayed insurance settlement payment earns interest is one that most people think about only after the delay has already stretched into weeks or months. By then they are frustrated, they have followed up multiple times, and someone has suggested that the insurance company should be paying them for the privilege […]

If your settlement funds have arrived at your attorney’s trust account and the money has not been disbursed to you yet, the first feeling is usually frustration. The second is suspicion. And the third, for a lot of people, is a question they feel uncomfortable asking: is my attorney actually allowed to do this. The […]