Color: #059669;">zero fees</strong> to our customers. The amount shown in your quote is the net amount you will receive.
Nothing is deducted from it. You pay nothing out of pocket, and there are no hidden charges or surprise fees.
Some companies may charge fees, but at Smarter Payouts. Customers receive the full quoted amount with zero fees.
In Hawaii, this process must comply with the state's structured settlement protection act, Haw. Rev.
Stat. §§ 431:10B-101 to 431:10B-114, which establishes specific requirements for judicial authorization.
Sharing info mandates, and transfer Steps that protect Hawaii residents throughout the process.
How Hawaii law applies
The Hawaii structured settlement protection act (Haw. Rev. Stat. §§ 431:10B-101 to 431:10B-114), enacted 2004, requires judicial authorization and sets disclosure and transfer rules. Key provisions include Court approval required for all transfers, Written disclosure of terms and fees to payee, Notice to all interested parties.
Continuing on, Hawaii's courts review your financial situation, whether the transfer is necessary and fair, and that you received independent advice. See Hawaii structured settlement laws for full requirements.
Hawaii specific answer
Likewise, the answer to "Are there any fees?" in Hawaii depends on this framework. Court considers best interest of payee and dependents, financial needs, and whether the payee received independent professional advice.
Use our structured settlement calculator for a quick estimate, then work with professionals familiar with Hawaii procedures.
How this works in Hawaii
Start with a estimate from a buyer that understands Hawaii's rules. The court reviews your petition under Haw. Rev. Stat. §§ 431:10B-101 to 431:10B-114 to confirm the transfer serves your best interest.
After judicial authorization, funding often arrives within 24-72 hours. From first estimate through funding, many cases fall in the 30-45 day range in Hawaii, depending on the court calendar. Read our Costs guide for more detail.
Related guides
For court rules and timelines, see court approval and how fast you can get your money. Browse the structured settlement info hub and state laws overview. Estimate value on the calculator before you speak with a specialist.