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Comparing Funding Offers and Alternatives
Use the Same Starting Point
Two offers are difficult to compare if one provides a different amount of usable cash. Begin with the money you would actually receive after any deductions. Then list the amount subject to charges, every fee, and the dates used to calculate payoff. An offer described with a smaller percentage is not necessarily less costly if it uses a different method or time period. Ask each provider for written numbers based on the same advance and resolution dates so the comparison answers a practical question rather than comparing advertising language.
Compare Several Possible Timelines
Settlement timing is uncertain, and the cost at one date does not tell the whole story. Request total payoff figures for an earlier, middle, and later resolution scenario. Note whether a charge compounds, changes in intervals, stops at a cap, or includes a minimum period. Also compare cancellation provisions and relevant conditions. These are questions for the actual agreements; this page does not provide Graylock rates or promise any particular terms. Your attorney can help identify assumptions that do not match the case's likely procedural course.
Look at the Household Need
Separate expenses that require money immediately from bills that may be negotiable or payable over time. A written budget can show whether a smaller advance would cover the gap. Include existing income and assistance without assuming that a future settlement will arrive on schedule. If the expense is a medical bill, review its accuracy and ask the provider about financial assistance or payment arrangements. The CFPB provides information on medical billing rights and assistance. An available arrangement may address a particular bill without creating the same funding obligation.
Consider Options With Different Tradeoffs
Potential alternatives may include available benefits, help from family, employer benefits, a payment plan, or conventional credit for someone who qualifies. Each option has its own eligibility, cost, repayment, privacy, and relationship considerations. Conventional credit may require payment regardless of the lawsuit result; funding terms must be read to understand their conditions. No option is automatically best for everyone. Compare the full obligation and what happens if the case is delayed or unsuccessful, rather than choosing solely on how quickly money might be available.
Make the Comparison With Your Attorney
Ask counsel to show how each offer would affect estimated remaining proceeds after other obligations. Keep all figures explicitly hypothetical until a recovery and distribution are established. Disclose prior advances and any proposal to pay one off with another so the comparison captures the combined cost. Graylock can explain a specific written offer and consider an appropriate request, but cannot promise to be the least expensive choice. A useful decision balances the immediate need, the alternatives actually available, and the amount that may remain for you when the case ends.
Request a Review With Graylock
Start with your attorney’s contact details, your state, the incident date and the amount needed for current expenses. Graylock reviews your pending claim with your attorney and may request additional information. Applying is free and does not require you to accept an offer. Approval, signing documents and receiving funds are separate steps; timing depends on the case and payment arrangements.
Understand the Cost Before Accepting
Accepting funding has a cost. Repayment comes from settlement or judgment proceeds under your agreement and reduces the amount remaining from your recovery. If the case produces no recovery, you owe nothing under Graylock’s non-recourse terms. Review the written agreement with your attorney, including charges and payoff amounts at different dates. Funding does not guarantee approval of additional requests or a particular case outcome.
Review Costs and Repayment · How Funding Works
Graylock Services provides funding, not legal representation or medical care. Availability and eligibility vary by state and case. Your attorney can advise on your claim; a qualified clinician should guide medical care.
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