Beginning of Essay
"Settling for less," a recent article in U.S. News, discusses the somewhat newfound entity of "factoring companies." These factoring companies provide a lump sum cash amount in return for a beneficiary's future payments. This lump sum amount, as you may have gue ....

Middle of Essay
.... companies have provided a valuable service for some, but lets take a look at the dissatisfied customers. Orion Olson was injured at the age of three by a severe dog bite causing vision and neurological problems. When he turned eighteen he was already homeless but soon received the first $7500 installment of the $75,000 settlement. This money quickly took him off the street but did not last long. He then turned to a large factoring company by the name of J.G. Wentworth. He sold his remaining future payments of $67,500 for the lump sum of $16,100. He is now homeless again and has nothing left to sustain him. Another client by the name of Raymond W ....