In the Matter of: J.G. Wentworth Originations, LLC

26CV010781: IN THE MATTER OF: J.G. WENTWORTH ORIGINATIONS, LLC 08/19/2026 Hearing on Petition for Approval for Transfer of Payment Rights in Department 8D

Tentative Ruling

NOTICE:

Consistent with Local Rule 1.06(B), any party requesting oral argument on any matter on this calendar must comply with the following procedure:

To request limited oral argument, on any matter on this calendar, you must call the Department 8D Oral Argument Request Line at (916) 874-7719 by 4:00 p.m. the Court day before the hearing and advise opposing counsel. At the time of requesting oral argument, the requesting party shall leave a voice mail message: a) identifying themselves as the party requesting oral argument; b) indicating the specific matter/motion for which they are requesting oral argument; and c) confirming that it has notified the opposing party of its intention to appear and that opposing party may appear via Zoom using the Zoom link and Meeting ID indicated below. If no request for oral argument is made, the tentative ruling becomes the final order of the Court.

Unless ordered to appear in person by the Court, parties may appear remotely either telephonically or by video conference via the Zoom video/audio conference platform with notice to the Court and all other parties in accordance with Code of Civil Procedure §367.75. Although remote participation is not required, the Court will presume all parties are appearing remotely for non-evidentiary civil hearings.

The Department 8D Zoom Link is https://saccourt-ca-gov.zoomgov.com/j/16113421868 and the Zoom Meeting ID is 161 1342 1868. To appear on Zoom telephonically, call (833) 568-8864 and enter the Zoom Meeting ID referenced above. NO COURTCALL APPEARANCES WILL BE ACCEPTED.

Parties requesting services of a court reporter will need to arrange for private court reporter services at their own expense, pursuant to Government code §68086 and California Rules of Court, Rule 2.956. Requirements for requesting a court reporter are listed on the Court Reporter Services webpage available on the Sacramento Superior Court website at https://saccourt.ca.gov/general-information/court-reporter-servicestranscripts. Parties may contact Court- Approved Official Reporters Pro Tempore by utilizing the list of Court Approved Official Reporters Pro Tempore available at https://saccourt.ca.gov/home/showpublisheddocument/227/639084034465370000.

A Stipulation and Appointment of Official Reporter Pro Tempore (CV/E-206) is required to be signed by each party, the private court reporter, and the Judge prior to the

26CV010781: IN THE MATTER OF: J.G. WENTWORTH ORIGINATIONS, LLC 08/19/2026 Hearing on Petition for Approval for Transfer of Payment Rights in Department 8D

hearing, if not using a reporter from the Court’s Approved Official Reporter Pro Tempore list.

Once the form is signed it must be filed with the clerk. If a litigant has been granted a fee waiver and requests a court reporter, the party must submit a Request for Court Reporter by a Party with a Fee Waiver (CV/E-211) and it must be filed with the clerk at least 10 days prior to the hearing or at the time the proceeding is scheduled if less than 10 days away. Once approved, the clerk will forward the form to the Court Reporter’s Office and an official reporter will be provided.

TENTATIVE RULING:

The Petition for Approval for Transfer of Payment Rights by and between J.G. Wentworth Originations, LLC (“Petitioner”) and Cheryle Schlegel (“Payee”) pursuant to California Insurance Code section 10134, et seq., is ruled upon as follows.

Payee desires to transfer one payment of $130,000 due March 5, 2032, with a discounted present value of $99,927.95. If the transaction is approved, Payee would receive $75,000. The transaction would result in an effective interest rate of 9.86%.

This matter was originally set for hearing on July 22, 2026. The Court’s tentative ruling before that hearing found that Petitioner had not provided all the information required for the Court’s consideration and had not shown that the transfer of the structured settlement would be fair and reasonable and in the best interest of Payee, taking into account the welfare and support of his or her dependents. (Ins. Code, § 10137.) Payee submitted an amended declaration on July 27.

Payee is 59 years old and married with no minor children and is the guardian for her 9- year-old grandson, who resides with Payee and her spouse. (Schlegel Amend. Decl. ¶ 8.) Payee is unemployed, disabled and receiving Social Security. (Ibid.) Payee’s husband is employed by the State of California, with a monthly salary of $3,500, but is critically ill and nearing death. (Ibid.) Payee entered into the original structured settlement “on about 2019” as compensation for a medical malpractice claim. (Id. ¶ 4.) The settlement was not intended to provide for medical care and treatment or provide for necessary living expenses. (Id. ¶¶ 6–7.)

Payee declares that she is experiencing a financial hardship and, if approved, will use

SUPERIOR COURT OF CALIFORNIA COUNTY OF SACRAMENTO

26CV010781: IN THE MATTER OF: J.G. WENTWORTH ORIGINATIONS, LLC 08/19/2026 Hearing on Petition for Approval for Transfer of Payment Rights in Department 8D

the money to pay off existing debt, including $25,000 owed to Bank of America with an interest rate of 18.99%. (Schlegel Amed. Decl. ¶ 11.) The remainder of the funds will be used towards a down payment on a house in Georgia, where Payee plans to move after her husband passes. (Ibid.)

Payee completed a prior transaction related to the settlement, in which she transferred $150,000 due March 5, 2027, and $100,000 (out of $230,000) due March 5, 2032, in exchange for a total of $158,000. (Schlegel Amend. Decl. ¶ 9.) Payee used that money to pay for her husband’s truck and to pay down a home equity line of credit for home improvements. (Ibid.) The previous transaction was approved on March 23, 2022.

The Court finds on the facts presented to it that:

(1) The proposed sale of one payment of $130,000 due March 5, 2032, with a discounted present value of $99,927.95, in exchange for $75,000 is in the best interest of the Payee, taking into account the welfare and support of the Payee’s dependents.

(2) Payee has been advised in writing by the transferee to seek independent professional advice regarding the transfer and has knowingly waived, in writing, the opportunity to receive the advice.

(3) Petitioner has complied with the notification requirements pursuant to paragraph (2) of subdivision (f), Petitioner has provided Payee with a disclosure form that complies with Section 10136, and the transfer agreement complies with Sections 10136 and 10138.

(4) The transfer does not contravene any applicable statute or the order of any court or other government authority.

(5) Payee understands the terms of the transfer agreement, including the terms set forth in the disclosure statement required by Section 10136.

(6) Payee understands and does not wish to exercise Payee’s right to cancel the transfer agreement.

The Petition for Approval for Transfer of Payment Rights is GRANTED. Petitioner shall provide a formal order for the Court’s signature pursuant to California Rules of Court, rule 3.1312.

SUPERIOR COURT OF CALIFORNIA COUNTY OF SACRAMENTO

26CV010781: IN THE MATTER OF: J.G. WENTWORTH ORIGINATIONS, LLC 08/19/2026 Hearing on Petition for Approval for Transfer of Payment Rights in Department 8D