Most factoring companies sell lists of contacts who are selling structured settlement payments as a regular process. This is a cash cow and they do not find anything wrong with the practice. However this means that after giving information to a company an individual can start receiving an enormous number of solicitations for all kinds of items. It is important when dealing with factoring companies that personal information be kept personal.

Online marketplace auctions are becoming increasingly popular for selling settlements. First there is a level of anonymity that the auction provides. Although personal information is taken from the auction, it is not provided to the bidders of the auction and is not sold to list vendors. This assures the bidder that they will not receive any unsolicited advertising or phone calls. Next, the funding firms that are bidding on the settlement work through a process and are registered with the auction so they are legitimate and once a bid is won the money for the settlement is received relatively quickly.