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Lyndsy Noell was desperate for cash. One day in 2015, she saw a television commercial showing her how to get it.
Her money problems traced to a morning a decade earlier, when she was 13, and a truck smashed into her parents’ car, leaving her with a brain injury and blind in one eye. She underwent more than a dozen surgeries, recovering beyond her doctor’s expectations. Meanwhile, her family secured a settlement from the truck company that included $1 million for Noell, to be paid with interest in monthly annuity checks that escalated each year, starting at around $3,000 in 2009.