# My Issues ## 1. Quote callback time > “Include the approved callback timeframe…” No callback time was supplied. I used `{{APPROVED_CALLBACK_TIME}}`. Needed: the normal promised callback window, such as “within 15 minutes during business hours” or “within one business day.” ## 2. Service hours > “Include the phone number and service hours beside it.” The phone number was provided, but service hours were not. I used `{{SERVICE_HOURS}}`. Needed: days, hours and time zone for phone support. ## 3. Typical payout-share range > “State an approved industry range for the share of face value sellers may receive…” No approved payout-share range was supplied. I used `{{APPROVED_PAYOUT_SHARE_RANGE}}`. Needed: a supportable percentage range and any wording required to explain that it varies by payment schedule. ## 4. Discount-rate range and Genex’s position > “Give the approved industry range and our verified position within it.” Neither an approved industry discount-rate range nor verified Genex pricing data was provided. I used `{{APPROVED_DISCOUNT_RATE_RANGE}}` and `{{GENEX_DISCOUNT_RATE_POSITION}}`. Needed: the approved effective discount-rate range, Genex’s typical range or other verified position, and any conditions that affect those figures. ## 5. Worked price example > “Use an approved, internally consistent hypothetical rather than vague language.” No approved figures were supplied for the two-scenario example. I used `{{APPROVED_TWO_SCENARIO_LUMP_SUM_EXAMPLE_TABLE}}` and listed every figure the completed table must contain. Needed: two approved calculations that meet the same cash need and show the payments sold, face value, effective rate, gross offer, itemized costs, net proceeds and retained payments. ## 6. Offer-lock policy > “State our own policies on competing written quotes, locked terms and court-scheduled funding.” The best-price guarantee was supplied, but the offer-lock policy was not. I used `{{APPROVED_OFFER_LOCK_POLICY}}`. I described funding as occurring under the court-approved agreement, but I could not state whether the price is locked at signing or what events may allow it to change. Needed: when an offer becomes locked, how long it remains valid, and the exact conditions that may change it. ## 7. Best-price guarantee terms > “State our own policies on competing written quotes…” The client material confirms the $1,000 best-price guarantee but gives only “subject to eligibility terms and exclusions.” It does not explain what counts as a qualifying written offer. I stated the guarantee and kept the qualification general rather than inventing its rules. Needed: eligibility conditions, exclusions, submission deadline, proof requirements and the circumstances in which the $1,000 payment applies. ## 8. Minimum transaction size > “Disclose any company minimum…” No minimum purchase amount was supplied. I used `{{MINIMUM_TRANSACTION_SIZE}}`. Needed: the minimum face value or minimum purchase-price amount, plus any case-by-case exceptions. ## 9. How often sellers make partial sales > “Use an approved source for the point that most people who sell transfer only part of their payments.” No approved statistic or source was provided. I did not claim that most sellers choose a partial transfer. Instead, I explained that partial sales are normal and showed the available structures. Needed: an approved company figure or reliable third-party source supporting the claim. ## 10. Workers’ compensation eligibility > “Workers’ compensation payments, if applicable to us” The client material did not say whether Genex purchases workers’ compensation payments. I wrote that these payments can face special limits and that Genex reviews them based on the settlement and state law. This avoids claiming they are always eligible, but it does not fully resolve Genex’s policy. Needed: whether Genex buys these payments, in which states or situations, and any main exclusions. ## 11. Inherited rights, minors, prior sales and prior denials > “Also address inherited payment rights, settlements belonging to minors, previous partial sales and previous court denials.” No specific Genex eligibility policies were provided for these cases. I used careful general language saying they may require more documents, added review or a different filing and do not always end the discussion. Needed: Genex’s actual acceptance rules, documentation requirements and any situations it will not consider. ## 12. Life-contingent payment requirements > “State whether life insurance is typically required under our process.” No life-insurance policy was supplied. I used `{{APPROVED_LIFE_INSURANCE_REQUIREMENT}}`. Needed: whether coverage is required, when it is required, who pays for it, and what happens when the seller cannot qualify. ## 13. Typical hearing duration > “Use an approved description of its normal duration.” No approved hearing duration was provided. I used `{{TYPICAL_HEARING_DURATION}}`. Needed: a supportable typical range, along with any wording needed to make clear that court practices vary. ## 14. Advance repayment treatment and eligibility > “If we offer an advance against a pending approved transaction, state its terms and that it is deducted from the final lump sum.” The client material says qualifying customers may receive up to $1,000 within 24 hours after the transaction is underway, subject to underwriting and transaction requirements. It does not confirm the exact eligibility rules or expressly say how the advance is deducted. I stated the available amount and timing but said the written terms will explain how it affects the final lump sum. I did not state as fact that it is deducted because that was not confirmed in the client material. Needed: eligibility rules, when the 24-hour period starts, whether the advance is deducted dollar for dollar, any charge attached to it, and what happens if the transfer is not approved. ## 15. Named specialist and Spanish-language support > “A named specialist from quote through funding” > “Spanish-speaking support, if available” The material did not confirm that one named specialist handles every case or that Spanish-language support is available. I wrote that “a member of our team stays with your transaction from the quote through funding,” which is less specific. I omitted Spanish-language support. Needed: confirmation of the assigned-specialist model and whether Spanish support is available, including relevant hours or contact details. ## 16. Professional memberships > “BBB or professional association standing” The A+ BBB rating was supplied, but no professional association memberships were given. I included only the BBB rating. Needed: approved association names and current membership status, if any. ## 17. Seller reviews > “Use three or four authentic, approved reviews.” No approved reviews, seller identifiers or third-party review link were provided. I used `{{APPROVED_SELLER_REVIEWS_WITH_NAMES_OR_INITIALS_STATES_PAYMENT_TYPES_USES_OF_FUNDS_AND_THIRD_PARTY_REVIEW_LINK}}`. Needed: three or four approved reviews with permitted names or initials, states, payment types, uses of proceeds and the profile URL. I did not invent or paraphrase testimonials. ## 18. Exact fee details for servicing or other costs > “State which costs we pay and which, if any, are deducted from the seller’s proceeds.” The material confirms that Genex covers required transfer-related legal costs and charges no broker fee. It does not fully define court filing, processing or payment-servicing cost treatment. I stated the confirmed policy and said any other applicable cost will appear in the written disclosure. I did not claim those other costs are always paid by Genex. Needed: an itemized fee policy covering filing, processing, servicing, document retrieval and any other possible deductions.