If you have something like a structured settlement from a lawsuit where you receive periodic payments of $X every month, or an annuity that pays out $Y a month, or anything like that - over the entire duration of the settlement or annuity you'll receive $Z total. JG Wentworth will give you some fraction of that $Z now, immediately, as a lump sum - and in turn all future periodic payments go to them. So you get a lot in the short term, but less than you would in the long term - and they get more in the long term than they gave you in the short term.

For a specific example, say you won $10,000,000 in the lottery, and it pays out of a 20 year annuity giving you $500,000 per year. JG Wentworth may give you $15,000,000 now in exchange for all future payments.

Those numbers are all completely made up - I don't know what kind of percentage they take.

They put out commercials like this. There are loads of them - hence the meme.