[MRM]

Dottore is correct, as always. If the money really is in the Law Society Trust, you should just shop around with local banks to see if you can get a loan to tide you over. Make sure that the loan term is twice as long as the longest you think you might have to wait until you get the money. You don't want to be caught a year from now without access to the money that's in trust and facing a note that's coming due plus interest.

JG Wentworth is one of the many companies that want to finance structured settlement, buy anuities, ect. They tend to pay a higher rate than some of the other thieves out there, but they will rape you. They will not want to loan you the money. They will want you to sign over the right to the money that's being held in trust, and in exchange they'll give you a lump sum of money right now.

For instance, if you have $350,000 in a trust account today, and you expect to receive 100% of those funds one year from today, they'll finance your loan by giving you $200,000 today, but they'll keep the entire $350,000 next year when the trust distributes the funds. You'll effectively borrow $200,000 and pay $150,000 in interest. That's a round figure on the kind of discount rate they'll want to give you. If anything, I'm overestimating what they'll give you.

If you went to the bank or borrowed unsecured from someone who specializes in distressed lending, you might pay 5% or just under $20,000 in interest to borrow the money for a year.

If it's such a sure thing, borrow the money from your lawyer. It's ethical for lawyers to advance funds to a client but the lawyer can't engage in a business enterprise with you.