Strong Reasons to Consider Funding
1. The Insurer Is Stalling
Adjusters slow-walk strong cases because they know plaintiffs need money. Funding removes that lever.
2. You're Facing Forced Choices
Eviction, foreclosure, repossession, or stopping medical treatment — any of these can push you into a bad settlement. Funding buys time.
3. Your Treatment Isn't Complete
Settling before maximum medical improvement almost always underestimates damages. Funding lets you finish treatment first.
4. The Defense Is Playing Hardball
Discovery, depositions, and pre-trial motions take months. Funding keeps you afloat through litigation.
Weaker Reasons
1. Discretionary Spending
Funding to upgrade a car or take a vacation is rarely worth the cost. It is a financial bridge, not a windfall.
2. Your Case Is Days From Settling
A short-duration advance is dominated by minimum fees. Wait if you can.
3. You Have Cheaper Credit Available
If a 0% credit card promotion or family loan can cover the gap, use that first.
When to Wait
- You expect a settlement offer within weeks.
- Liability hasn't been established yet and your attorney is investigating.
- You don't yet have a clear sense of case value.
Sources & Further Reading
For broader context, see American Bar Association — ethical considerations in litigation funding. This article is general educational information and does not constitute legal or financial advice.
Frequently Asked Questions
Often, yes — if the case grows in value, additional advances may be available. Total advances should stay well within the case's expected recovery.
Yes. Your attorney knows your case timeline best and can tell you whether funding will help or just add cost.