Structured Settlement Annuities (SSAs) are often used to settle personal injury or medical malpractice cases where large sums will be needed to pay for long-term treatment or care of an injured person. SSAs help persons who may be impaired or not financially savvy by providing steady or periodic income streams over long periods of time. But the complaint claims that beneficiaries are vulnerable to unscrupulous companies who want to buy their income streams for low but immediate payments that are not proper compensation for the long-term income. State and federal laws require judicial review of all such purchases to ensure that they are in the best interest of the beneficiaries. Unfortunately, the complaint alleges, a conspiracy has been formed in Virginia that involves an attorney, companies that purchase SSA benefits, and complicit judges. The complaint alleges that the conspiracy violates RICO laws and defrauds beneficiaries.