Selling a structured settlement in Phoenix means filing a transfer petition with Maricopa County Superior Court under Arizona's Structured Settlement Protection Act (A.R.S. sections 12-2901 through 12-2904). Catalina Structured Funding serves structured settlement recipients throughout the Phoenix metropolitan area with competitive rates, a team of four attorneys experienced with Arizona transfer law, and a process designed to move from first contact to funded in 30 to 45 days.
Phoenix is the fifth-largest city in the United States, and Maricopa County is the fourth-most populous county in the country. The area's rapid growth in construction, healthcare, semiconductor manufacturing, and financial services generates significant structured settlement activity from personal injury, workplace injury, and medical malpractice cases. Whether your settlement came from an auto accident on I-10 or I-17, a construction site injury, or a medical malpractice case at Banner Health, HonorHealth, or another area medical system, CSF can buy some or all of your future payments. BBB A+ rated. 15+ years in business. 4,000+ transactions funded.
How Selling Your Structured Settlement Works in Phoenix
Arizona's SSPA (A.R.S. sections 12-2901 through 12-2904) governs every structured settlement transfer in the state. In Maricopa County, petitions are filed with the Maricopa County Superior 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.
- Written disclosure. Arizona requires a disclosure statement showing the amount payable to you and the discounted present value of the payments being transferred.
- Sign the transfer agreement. After reviewing and understanding all terms. Arizona law provides a cancellation window after signing.
- Petition filed with Maricopa County Superior Court. CSF files all required documentation with the Central Court Building at 201 W. Jefferson St., Phoenix, AZ 85003.
- Court hearing. A judge reviews the petition and applies Arizona's best-interest standard. Court scheduling in Maricopa County typically takes 4 to 6 weeks after filing.
- Funded. Payment is released within days of the signed court order.
Arizona Structured Settlement Protection Act: Key Requirements
Arizona's SSPA provides a balanced framework that protects sellers while allowing efficient transfers. Key provisions include:
- Written disclosure requirement. The transfer agreement must disclose the amount payable to the payee and the discounted present value of those payments. This transparency ensures you understand exactly how much you are receiving relative to the total face value of the payments being sold.
- Best-interest standard. The court must find that the transfer is in the best interest of the payee, taking into account the welfare of any dependents. The judge considers the stated purpose of the transfer, the payee's financial situation, and whether the terms are fair and reasonable.
- Independent professional advice (waivable). Arizona requires that the payee be advised to seek independent professional advice regarding the transfer. Unlike some states where independent advice is mandatory, Arizona allows the payee to waive this requirement after being informed of the option.
- Notice to interested parties. The annuity issuer, the original settling defendant, and any other interested parties must receive notice of the proposed transfer. This ensures all parties have an opportunity to respond before the court rules.
CSF's four-attorney team, led by attorney-CEO Chris M. (licensed in 10 states), prepares every Arizona court application to address all statutory requirements from the outset. This reduces the risk of delays or continuances.
Maricopa County Superior Court: Where Phoenix Cases Are Heard
Structured settlement transfer petitions in the Phoenix area are filed with the Maricopa County Superior Court. The Central Court Building at 201 W. Jefferson St., Phoenix, AZ 85003 handles civil filings including structured settlement transfers. Maricopa County's Superior Court is one of the largest trial courts in the nation, serving a county population of over 4.5 million.
CSF has experience with Maricopa County's filing requirements and scheduling practices. That familiarity translates to fewer continuances and faster approvals for Phoenix-area sellers. Sellers in surrounding areas (Scottsdale, Tempe, Mesa, Chandler, Gilbert, Glendale, Peoria, Surprise) are all within Maricopa County and file through the same court system.
Common Reasons Phoenix Residents Sell Structured Settlements
Phoenix's rapid growth and evolving economy create both opportunities and financial pressures. Common reasons Phoenix-area sellers contact CSF include:
- Down payment on a home. Phoenix's housing market has seen substantial appreciation. A partial settlement sale can provide the down payment needed for homeownership in a competitive market.
- Business investment. Phoenix's growing tech sector (semiconductor manufacturing, data centers, fintech) and small business ecosystem create opportunities that require upfront capital.
- Medical expenses. Out-of-pocket costs for ongoing care, rehabilitation, or specialized treatment at Banner University Medical Center, Mayo Clinic (Scottsdale), or HonorHealth often exceed what monthly settlement payments cover.
- Debt payoff. Eliminating high-interest credit card debt or other obligations with a lump sum can produce a net financial benefit.
- Education. Tuition at Arizona State University, University of Arizona, Grand Canyon University, and other area institutions.
- Vehicle replacement. Phoenix's sprawling metro area requires reliable transportation. Settlement recipients whose original injuries involved vehicle damage often need to replace a vehicle as part of their recovery.
Types of Structured Settlements CSF Buys in Phoenix
CSF purchases structured settlement payments arising from tort claim settlements in Arizona, including:
- Personal injury settlements (auto accidents, slip and falls, premises liability)
- Medical malpractice settlements
- Wrongful death settlements
- Product liability settlements
- Construction injury settlements (tort claims)
- Burn and heat-related injury settlements (common in Arizona's climate)
Note: Workers' compensation structured settlements in Arizona are governed by the Industrial Commission of Arizona and follow a separate legal process. Arizona's SSPA 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 Maricopa County and all of Arizona. See our Arizona 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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