Frequently Asked Questions

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About Settlemint

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Divorce Funding

For Attorneys

Should I have a lawyer review the Settlemint agreement?

Yes, and it’s required. Before signing, an independent attorney — someone who isn’t counsel of record in your divorce — must review the agreement with you. It’s a condition of funding, not a suggestion, and it exists so you have independent advice on this decision alone.

Does Settlemint influence my legal strategy?

No. That boundary is structural, not a policy. We do not request attorney-client communications, direct legal decisions, or contact opposing counsel. Those constraints are written into the funding agreement.

Will my spouse know about this?

We do not contact or notify the other party. Depending on the rules in your jurisdiction, the arrangement may be discoverable in litigation. Whether and how it is disclosed is a conversation between you and your attorney.

How long does it take to get funded?

Once we have the information we need from you and your attorney, we move quickly. In many situations we can go from first conversation to an initial view within a few business days, with funding following once documentation is complete.

Is there a fixed term on the advance?

No. The advance stays in place until your matter resolves. No deadlines, expiration dates, or pressure to settle.

What does Settlemint cost?

Nothing at signing and nothing monthly. Cost accrues on funds actually drawn, on a fixed schedule that is simple and never compounded, and is repaid from your share of the proceeds at or after resolution. Every figure appears in writing on the first page of your agreement, before you sign, and we walk you and your independent reviewing attorney through the full schedule. No hidden economics. No surprise add-ons.

Do you run a credit check?

Not a credit check in the usual sense. Approval never depends on your credit score, income, or employment. We do run a soft check for bankruptcies or collections that could compete with your proceeds — it never affects your score.

Can I get funding without a lawyer?

No. You must have a retained family law attorney before we can proceed. This protects both you and us.