# What is a settlement claim purchase?

_How buying a filed claim works, what transfers, and what does not._

A settlement claim purchase is a transaction in which a buyer pays a claimant a fixed amount today in exchange for the right to receive that claimant's future distribution from a settlement fund. The claimant gets certainty and speed; the buyer takes on the timing and validation risk.

What has to be true first. The claim must already be filed and inside a settlement whose claims are assignable. A purchase is not a way to file late, and it is not available where no claim exists.

How pricing works. Three things move the number: how far the settlement is from paying, how well your transaction records support the claimed amount, and what remains contested on appeal. A well documented claim in a settlement already in distribution prices closest to its expected value.

What transfers. The right to the distribution on that specific filed claim, together with the administrative work of tracking it. Nothing else moves.

What does not transfer. Your other claims, your standing in other settlements, your business records beyond what the transfer requires, and your ability to participate in future cases.

How the process runs. We audit the claim against your own transaction history, price it, paper the assignment, notify the administrator, and pay on closing. The audit is worth doing on its own — under-documented claims get paid short whether you sell or wait.

## Common questions

### What is the difference between selling a claim and litigation funding?

A purchase is an outright sale of a filed claim for a fixed price. Litigation funding advances money against a case you continue to control and repay from proceeds.

### How long does a claim purchase take?

Typically weeks, driven by how quickly the claim can be audited and the assignment documented, not by the court's distribution schedule.