Pre-settlement funding is when a company gives you money now to pay the bills and bridge the gap, while waiting for your case to settle. The company then has the right to receive a portion of your settlement proceeds from the lawsuit. If you don't win your case, you owe nothing to 5 star, which is why it is called a "Non-Recourse Advance". A Non Recourse advance is just that. An advance, not a loan. And because of that, we don't care about your credit and will never put you into collections. If you don't win your case, you don't owe us anything. There is no monthly payments and you pay nothing back until you get money from your settlement. And once again, it doesn't get paid back if you lose your case.