What we do is find out all necessary information about your note such as; where it is, what the payments are, what it's for, and so forth. Then we take that information to our investors and see what they will give you now, we will then come back to you with thier offer. Example: Say you have a $30,000 note, the investor may offer to give you $20,000 cash now. Now you're thinking thats $10,000 less than I am owed, yes, but think of it this way; in order to receive the $30,000 you have to wait 10-15 years, this way you are receiveing $20,000 cas NOW!! Which looks better to you?