Legal cases take time, and during that wait, everyday life does not slow down. Pre-settlement funding gives Atlanta plaintiffs access to part of their future settlement before the case concludes. It provides stability when bills, medical costs, and living expenses continue to build.

With personal injury cases in Georgia typically taking six months to two years to resolve, and complex cases stretching even longer, plaintiffs face mounting financial pressure that pre-settlement funding helps alleviate. 

As court backlogs persist in Fulton, DeKalb, and Cobb counties, and insurance companies delay settlements, more plaintiffs turn to legal funding to maintain financial stability during litigation.

How It Differs from a Traditional Loan

Unlike a conventional loan, pre-settlement funding requires no credit check, employment history, or monthly payments. Key advantages include:

• No credit requirements or financial background review - Your case strength matters, not your credit score
• No upfront fees or surprise charges - Transparent pricing from the start
• No repayment unless the case wins - Complete financial protection if your case is unsuccessful
• No monthly payments - No added stress during an already difficult time

This type of funding is based on your case's strength, not your financial standing, which makes it accessible and low-risk for plaintiffs waiting on compensation.

Why Pre-Settlement Lawsuit Loans Are Crucial in Atlanta

Atlanta's economic landscape presents specific challenges for injury plaintiffs. The city's median monthly rent reached $1,769 in 2025, while median household income stands at $81,938. For plaintiffs who lose income due to injury or cannot work during recovery or litigation, this gap creates immediate financial strain.



Medical costs in Atlanta run higher than the national average, compounding the financial burden for injury victims requiring ongoing treatment. When cases stretch beyond a year—as the majority of personal injury lawsuits do—these mounting expenses push plaintiffs toward accepting inadequate settlement offers just to cover basic needs.

Understanding Georgia's Legal Framework

Georgia's Two-Year Statute of Limitations

Georgia law requires personal injury lawsuits to be filed within two years from the date of your injury (O.C.G.A. § 9-3-33). Missing this deadline typically means you lose your right to sue, regardless of how strong your case is.

Important exceptions exist:

• Minors: The two-year period doesn't start until you turn 18
• Medical malpractice: 2 years from discovery, but 5-year maximum statute of repose
• Government claims: Much shorter deadlines (6 months for municipal/county governments, 1 year for state)
• Tolling provisions: The clock may pause if the defendant leaves Georgia or commits fraud

If you're approaching the deadline, it's critical to file your lawsuit quickly. Pre-settlement funding can help you avoid accepting inadequate offers due to time pressure, but you must file your lawsuit within the legal timeframe first.

Georgia's Modified Comparative Fault Rule

Georgia follows a modified comparative fault system (O.C.G.A. § 51-12-33). This means:

• If you're found to be 50% or more at fault for your injury, you cannot recover damages
• If you're less than 50% at fault, you can recover damages reduced by your percentage of fault
• Example: If you're 20% at fault for an accident, your $100,000 settlement would be reduced to $80,000

This rule affects funding eligibility. Cases where plaintiff fault is contested may face more scrutiny during the funding review process.

Georgia Pre-Settlement Funding Regulations

Starting January 1, 2026, Georgia Senate Bill 69 provides basic consumer protections for pre-settlement funding:

• Funders cannot take more than the settlement amount (non-recourse protection)
• Funders cannot offer attorneys commissions for client referrals
• Funders cannot be involved in litigation or offer legal advice
• Funders cannot report unpaid balances to credit agencies if settlement is insufficient
• Borrowers must receive contracts in writing with 5-day cancellation rights
• Contracts must be provided to both plaintiff and their attorney

At Best Call Funding, we've always operated with these ethical standards—even before they became law. Our commitment to transparency and fair dealing means Georgia's new regulations simply codify practices we've followed from the beginning.

Who Qualifies for Lawsuit Loans in Atlanta?

Lawsuit loans in Atlanta provide financial relief to individuals waiting on settlements from active legal cases. To qualify, plaintiffs must meet specific criteria that confirm both the validity of their claim and their legal representation. The process is simple and designed to ensure funding reaches those with strong, pending cases.

Eligibility Requirements for Atlanta Lawsuit Loans

Applicants must have a pending personal injury or wrongful death lawsuit handled by a licensed attorney in Atlanta or elsewhere in Georgia. The attorney’s involvement ensures the case is legitimate, structured, and eligible for review. 

Best Call Funding assesses the case’s potential outcome and settlement value rather than relying on credit or employment history.

Common Case Types That Qualify for Funding

Pre settlement funding in Atlanta covers a wide range of personal injury and liability claims. Typical cases include:

• Car accidents, including rideshare-related incidents
  
  
• Medical malpractice involving hospital or provider negligence
  
  
• Premises liability such as slip and falls or negligent security
  
  
• Dog bites and other animal injury cases
  
  
• Construction site accidents caused by unsafe conditions
  
  
• Wrongful death claims filed by surviving family members
  
  
• Workers’ compensation cases involving third-party liability
  
  

Each case type undergoes evaluation based on its facts, evidence, and estimated settlement value to determine eligibility and funding amount.

How the Pre-Settlement Funding Process Works

We've streamlined our process to get you financial support as quickly as possible while maintaining the highest ethical standards.

Step 1: Submit Your Application

Complete our simple online application or call us directly. We'll need:

• Your contact information
• Your attorney's name and contact details
• Estimated case value (your attorney can provide this)

No financial documents, credit reports, or employment verification required.

Step 2: Attorney Verification and Case Review

We contact your attorney directly to:

• Review liability strength and evidence
• Assess estimated settlement value and timeline
• Confirm no existing liens from other funders
• Discuss case strategy and potential outcomes

This typically takes 24 business hours. Your attorney remains in complete control of your case—we never interfere with legal strategy or settlement negotiations.

Step 3: Funding Approval and Terms

If approved, we provide:

• Clear explanation of funding amount (typically 10-15% of estimated settlement)
• Transparent fee structure with no hidden charges
• Written contract sent to both you and your attorney
• 5-day cancellation period as required by Georgia law

You'll know exactly what you'll owe before accepting funding.

Step 4: Receive Your Funds

Once you and your attorney sign the agreement:

• Funds deposited within 24 hours for most Atlanta-based cases
• Money sent directly to your bank account via wire transfer or ACH
• Immediate access to use funds as needed

Step 5: Repayment from Settlement (Only If You Win)

When your case settles or you win at trial:

• Your attorney receives the settlement funds
• They pay medical liens, case expenses, and funding repayment first
• Attorney fees are deducted (typically 33-40% of settlement)
• You receive the remaining balance

If you don't win your case, you owe nothing. The funding company absorbs the entire loss.

About Best Call Funding: Lawsuit Funding for Atlanta Plaintiffs

We know how stressful it can be to wait for a settlement while daily expenses keep coming. At Best Call Funding, our focus is to provide Atlanta plaintiffs with quick, ethical, and transparent financial support during that time. With over 20 years of combined experience, we help individuals stay financially stable while their attorneys focus on winning their case.

Experience and Trust That Matter

We have earned the trust of thousands of plaintiffs nationwide through a consistent record of reliability and transparency. Our team has decades of combined experience in personal injury lawsuit funding, and we understand the urgency behind each case. For Atlanta residents, that means guidance from professionals who know the local legal landscape and can move quickly when funding is needed.

A Streamlined Process for Atlanta Clients

Our process is simple, fast, and designed to minimize stress. We coordinate directly with your attorney to verify details and release funds quickly once approval is complete. Here’s what sets our process apart:

• Quick turnaround for Atlanta-based cases
• No repayment if your case is unsuccessful
• Direct attorney coordination to avoid communication delays
• Clear, transparent terms with no hidden fees

This structure helps clients stay financially secure without distractions, giving them room to focus on recovery and justice.

Get the Help You Need to Move Forward

Atlanta plaintiffs rely on pre settlement funding to provide the financial flexibility needed to manage life’s essentials while waiting for justice. Our loans have helped cover rent, medical bills, and other daily expenses without adding new financial pressure. 

We are here to make that process seamless, fast, and transparent for every Atlanta client who needs it. Our experienced team understands the urgency behind your case and the importance of stability during this time. Contact us today to start your application and take the first confident step toward financial relief and peace of mind.

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