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 South Carolina, this process must comply with the state's structured settlement protection act, S. C.
Code Ann. §§ 38-63-10 to 38-63-100, which establishes specific requirements for legal approval.
Sharing info mandates, and transfer Steps. That protect South Carolina residents throughout the process.
How South Carolina law applies
The South Carolina structured settlement protection act (S.C. Code Ann. §§ 38-63-10 to 38-63-100), enacted 2002, requires legal approval 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.
From here, South Carolina's courts review your financial situation, whether the transfer is necessary and fair, and that you received independent advice. See South Carolina structured settlement laws for full requirements.
South Carolina specific answer
Similarly, the answer to "Are there any fees?" in South Carolina 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 South Carolina procedures.
How this works in South Carolina
Start with a quote from a buyer that understands South Carolina's rules. The court reviews your petition under S.C. Code Ann. §§ 38-63-10 to 38-63-100 to confirm the transfer serves your best interest.
After legal approval, funding often arrives within 24-72 hours. From first quote through funding, many cases fall in the 30-45 day range in South Carolina, depending on the court calendar. Read our Costs guide for more detail.
Neighboring states
Requirements differ by state; compare with nearby guides:
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.