Selling a structured settlement in Dallas means filing a transfer petition with Dallas County District Court under Texas Insurance Code Chapter 140, the Texas Structured Settlement Protection Act (SSPA). Catalina Structured Funding serves structured settlement recipients throughout the Dallas-Fort Worth metroplex with competitive rates, a team of four attorneys experienced with Texas transfer law, and a process designed to move from first contact to funded in 30 to 60 days.
Dallas-Fort Worth is one of the fastest-growing metropolitan areas in the United States, home to AT&T, American Airlines, Southwest Airlines, Toyota's North American headquarters, and dozens of other Fortune 500 companies. This corporate concentration, combined with massive construction activity and major healthcare systems like UT Southwestern Medical Center and Baylor Scott & White, generates a significant volume of structured settlements from personal injury, medical malpractice, and workplace injury cases. BBB A+ rated. 15+ years in business. 4,000+ transactions funded.
How Selling Your Structured Settlement Works in Dallas
Texas Insurance Code Chapter 140 governs every structured settlement transfer in the state. For Dallas-area sellers, the petition is filed with Dallas County District Court. CSF's attorneys prepare and file all required documentation. You do not need to hire a separate attorney or pay any court costs.
- Free quote. CSF reviews your payment schedule and presents a written offer at no cost and with no obligation.
- Mandatory disclosure. Texas requires a written disclosure statement explaining the terms before you sign. You have time to review the terms and consult an independent advisor.
- Sign the transfer agreement. After reviewing and understanding the terms. Texas provides a 3-day right of rescission after signing.
- Petition filed with Dallas County District Court. CSF files all required documentation with the George L. Allen, Sr. Courts Building at 600 Commerce St., Dallas, TX 75202.
- Court hearing. A judge reviews the petition and confirms the transfer is in your best interest. Court scheduling in Dallas County typically takes 3 to 6 weeks after filing.
- Funded. Payment is released within days of the signed court order.
Texas Structured Settlement Protection Act: Key Requirements
Texas Insurance Code Chapter 140 provides an efficient framework for structured settlement transfers. Compared to states like California (9-factor test) or Illinois (in-person appearance requirement), Texas offers a faster process while still protecting sellers through mandatory disclosures and judicial review.
- Mandatory disclosure statement. The buyer must provide a written disclosure before you sign the transfer agreement. This disclosure explains the terms of the transaction, the amount you will receive, and the payments you are transferring.
- 3-day right of rescission. After signing, you have 3 days to cancel the agreement for any reason, no questions asked.
- Best-interest standard. The court must find the transfer is in the best interest of the payee, taking into account the welfare of any dependents.
- No state income tax. Texas has no state income tax, which means your lump sum is not reduced by state-level taxation. The tax-free status of physical injury settlement payments under IRC section 104(a)(2) is preserved after a transfer.
- Tort claims coverage. Texas's SSPA applies to structured settlements arising from tort claims. Workers' compensation settlements follow a separate legal pathway under the Texas Labor Code.
CSF's four-attorney team, led by attorney-CEO Chris M. (licensed in 10 states), prepares every Texas court application to address all statutory requirements from the outset. This reduces the risk of delays or continuances.
Dallas County District Court: Where Cases Are Heard
Structured settlement transfer petitions for Dallas-area sellers are filed with the Dallas County District Court. The primary civil courthouse is the George L. Allen, Sr. Courts Building at 600 Commerce St., Dallas, TX 75202. Dallas County is the ninth-most populous county in the United States and one of the busiest court systems in Texas.
CSF has experience with Dallas County's filing requirements and scheduling practices. That familiarity means fewer continuances and faster approvals for DFW-area sellers. Sellers in surrounding counties (Tarrant, Collin, Denton, Ellis, Rockwall, Kaufman) may have their petitions filed in their respective county district courts. CSF handles filings across all DFW-area counties.
Common Reasons Dallas Residents Sell Structured Settlements
The Dallas-Fort Worth metroplex offers significant economic opportunity, but also financial pressures that monthly settlement payments may not fully address. Common reasons DFW-area sellers contact CSF include:
- Down payment on a home. The DFW housing market has grown substantially, and many buyers need a larger down payment than their monthly payments can accumulate. A partial settlement sale can bridge the gap.
- Business investment. Dallas's strong economy in finance, technology, healthcare, and energy creates opportunities that require upfront capital.
- Medical expenses. Out-of-pocket costs for ongoing care, rehabilitation, or specialized treatment at UT Southwestern, Parkland Memorial, or other area medical centers often exceed what monthly settlement payments cover.
- Debt payoff. Eliminating high-interest credit card debt or student loans with a lump sum can produce a net financial benefit compared to years of smaller monthly payments.
- Education. Tuition at area universities including SMU, University of Texas at Dallas, University of North Texas, and TCU continues to rise.
- Relocation. The DFW area attracts significant corporate relocations. Settlement recipients moving to or from Dallas may need a lump sum to cover transition costs.
Types of Structured Settlements CSF Buys in Dallas
CSF purchases structured settlement payments arising from tort claim settlements in Texas, including:
- Personal injury settlements (auto accidents, slip and falls, premises liability)
- Medical malpractice settlements
- Wrongful death settlements
- Product liability settlements
- Construction and workplace injury settlements (tort claims, not workers' comp)
- Oil, gas, and energy sector injury settlements
Note: Workers' compensation structured settlements in Texas follow a separate legal pathway under the Texas Labor Code. Texas's SSPA (Insurance Code Chapter 140) applies specifically to tort claims. If you hold a workers' comp structured settlement, contact CSF to discuss your options.
CSF does not purchase life-contingent payments where the payment stream ends upon the seller's death, unless a minimum guaranteed period is attached. See our guide on life-contingent structured settlements for details.
CSF serves customers throughout Dallas County and all of Texas. See our Texas structured settlement guide for more state-specific information. To understand the full selling process, read our complete guide to selling a structured settlement. Compare buyers and pricing approaches on our structured settlement companies page.
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