Pennsylvania Consolidated Statutes Title 12, Section 7102 establishes Pennsylvania's pure comparative negligence system. Unlike modified negligence states, Pennsylvania allows recovery even if you're 99% at fault for your injury. Your settlement is simply reduced by your percentage of fault. This legal protection is powerful, but many plaintiffs don't fully understand how it affects settlement negotiations.

Comparative negligence becomes more complex when fault is disputed or split among multiple parties. In a 60–40 liability case, insurers often push to increase your fault percentage to reduce payouts. Financial pressure then forces many plaintiffs to accept unfair fault determinations instead of fighting for accurate ones.

How Funding Empowers Negotiating Power

Pre-settlement funding eliminates the financial desperation that undermines negotiating power. When you're not desperate, your attorney can confidently reject inadequate settlement offers and argue for fair fault percentages. Insurance adjusters lose their leverage when they realize you're financially stable and can wait indefinitely for fair compensation. Your attorney negotiates from strength, not desperation.

The Pennsylvania Court System: Timeline Expectations by County

Pennsylvania's court system is decentralized, creating dramatic timeline variations. Philadelphia County cases average 2-3 years from filing to settlement. Pittsburgh area cases typically take 3-4 years. Rural Pennsylvania counties can stretch 4-5 years, depending on judge availability and case complexity.

This unpredictability creates planning challenges for plaintiffs. You can't predict when your case will settle. You can't plan finances around an unknown settlement date. Pre-settlement funding solves this uncertainty by providing immediate financial support regardless of your case's timeline. Whether your case settles in 18 months or 4 years, pre-settlement funding maintains your financial stability throughout the waiting period.

Managing Uncertainty Without Financial Collapse

Many Pennsylvania plaintiffs experience cascading financial problems during unpredictable litigation timelines. Medical bills accumulate. Credit card debt grows. Mortgage payments strain household budgets. The longer you wait, the more desperate you become for a settlement. Insurance companies know this and exploit it.

Pre-settlement funding breaks this cycle. You receive immediate funding based on your case's value, not the settlement date. This stability allows your attorney to pursue proper case development, medical expert reports, and discovery without financial pressure driving the litigation pace.

Real Costs of Delayed Settlement in Pennsylvania

Pennsylvania plaintiffs face documented financial consequences during extended litigation. Medical expenses for serious injuries—including surgery, hospitalization, ongoing therapy, and specialist treatment—often exceed $40,000 to $100,000 before litigation concludes. These bills demand payment long before settlement arrives.



Lost wages deepen the financial strain. Injured plaintiffs often have no income while expenses continue, and within 12–18 months, many exhaust savings, max out credit cards, and build significant debt. By settlement, some owe more in accumulated bills than they ultimately recover.

How Pre-Settlement Funding Works

Pre-settlement funding from Best Call Funding provides immediate cash based on your case's expected settlement value. Most Pennsylvania plaintiffs receive approximately 10% to 15% of their settlement estimate, depending on case strength, injury severity, and liability clarity.

Pre-settlement funding costs are calculated on a recurring basis and may follow either simple or compound structures, depending on what your attorney recommends. There are no upfront costs or hidden charges. Application and processing fees are included in the agreement and deducted from your settlement only if your case succeeds. You never pay anything out of pocket during the funding period—all costs come from settlement proceeds.

Application Process and Fast Approval

The application process is simple. Complete a brief online form with basic case information, your injuries, and your Pennsylvania attorney's contact details. You don't need to estimate settlement value or gather documentation upfront. Best Call Funding contacts your attorney directly to gather case details and verify case status.

Most applications receive approval decisions within 1 to 24 business hours of complete application submission. Your attorney's response time is the primary factor determining approval speed since Best Call Funding coordinates all case details through your legal team. Once approved, wire transfers deliver funds the same day, direct deposit arrives within one business day, and many Pennsylvania plaintiffs receive same-day disbursement. The entire process from application to funding typically takes 24 to 48 hours.

Flexible Disbursement and Additional Funding

You control how funds are disbursed. Wire transfers provide immediate same-day access once approved. Funds can also be sent via direct deposit or other available payment methods, with recurring disbursements offered when applicable, but not guaranteed. Paper checks are available upon request. Disbursement flexibility allows payments aligned with your specific financial preferences.

If your case extends longer than expected, Best Call Funding reviews requests for additional funding approximately 30 days after previous advances. Extended litigation doesn't leave you financially stranded—supplemental funding is available as your case progresses. If your settlement arrives smaller than expected, your attorney has authority to negotiate a reduction in the advance repayment amount with Best Call Funding, protecting your net recovery.

Case Evaluation and Attorney Coordination

Best Call Funding evaluates your case based on merit, liability clarity, injury severity, and expected settlement value. Strong cases with documented injuries, clear liability, and experienced attorney representation qualify for faster approval. Liens and judgments factor into comprehensive case evaluation.



Credit score does not affect eligibility—Best Call Funding evaluates your case, not your credit history. Attorney involvement is required, as your lawyer provides case details, timeline estimates, and credibility, helping improve outcomes and speed approval.

Best Call Funding's Regulatory Standards

Best Call Funding holds NMLS certification (Nationwide Multistate Licensing System), demonstrating regulatory compliance and commitment to transparency across all jurisdictions. Over 20 years of industry experience backs every funding decision.



Legitimate funding companies maintain professional, transparent communication throughout the entire process. Best Call Funding provides clear written explanations of all fees, interest rates, and repayment terms during underwriting. Best Call Funding stays completely out of settlement negotiations, allowing your attorney full control over case strategy and decision-making.

Stop Letting Court Timelines Control Your Financial Future

Pennsylvania's unpredictable court system shouldn't force you to choose between financial survival and fair compensation. Pre-settlement funding removes this impossible choice by providing immediate financial support based on your case's actual value.

Whether your Pennsylvania case settles in 18 months or 4 years, pre-settlement funding maintains financial stability throughout litigation. Your attorney can pursue proper case development, negotiate appropriately, and achieve maximum recovery without financial pressure. If you're ready to stop struggling while waiting for settlement, contact Best Call Funding today at (844) 676-CASH (2274) or apply online and explore your funding options.

Frequently Asked Questions