The scenario is all too familiar. An accident victim has been working with their lawyer for several months trying to settle their insurance claim. The accident has prevented them from working, savings have been depleted, and lawyer fees and household expenses accumulate.

The situation is dragging out, the insurance company is low-balling the victim’s claim, and the victim’s lawyer is certain a better offer will be presented in time. The lawyer’s argument for a better offer is compelling, yet the insurance company continues to stall. The lawyer’s recommendation to their client is to wait it out and continue to push for an appropriate settlement. The difficulty is that the plaintiff’s money is running out, and debts are mounting. The plaintiff’s access to justice is greatly compromised because of their inability to finance continued proceedings.

Unfortunately, traditional lenders such as banks do not view lawsuits as assets. Since the plaintiff cannot work due to their injuries, banks are unwilling to support clients through the legal process. Clients who cannot obtain cash from traditional methods either because of no credit, poor credit, or no assets are generally unable to pursue their litigation to a successful and fair settlement.