A case headed for New York’s highest court alleges a third-party insurance company stood idly by as a cognitively challenged loss payee’s structured settlement was “stripped away” by three factoring companies that “preyed” on him after he had moved to Florida.

Attorneys Scott A. Eisman and David M. Howard of the international firm Freshfields Bruckhaus Deringer’s New York City office are making the claim against Transamerica Annuity Service Corp.

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