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Debt Relief Blog

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In the Media

What they're saying

Featured
Featured · October 10, 2026 · 6 min read

What if my lender went out of business?

Most of the owners we talk to at Delancey Street are worried about the lenders and funders who want to be paid. Far fewer stop to ask what happens if the lender itself goes under, until…

DE
Delancey Editorial
Delancey Team
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HOW

October 10, 2026
How long until UCC terminations show up on credit reports?
You’ve paid off a secured business loan in full. It’s been a few months and you haven’t heard from your lender yet. Where’s the…
DE Delancey Editorial

CAN

October 10, 2026
Can I remove a UCC filing myself?
At Delancey Street, we talk to business owners under debt pressure every day, and they sometimes come to us after discovering a Uniform Commercial…
DE Delancey Editorial

HOW

October 10, 2026
How much does UCC-3 filing cost?
When owners ask us what a UCC-3 costs, they usually mean the paperwork that follows a lien. I get that question all the time:…
DE Delancey Editorial

HOW

October 10, 2026
How Delancey Street Removes UCC Liens in MCA Settlements
If you’ve just been served with a UCC lien, you’re probably spiraling right now. What does this mean for the business? Who do I…
DE Delancey Editorial

WHAT

October 10, 2026
What Happens to UCC Liens When You Stop Paying an MCA
Companies run into trouble for countless reasons, both predictable and unforeseeable. Short-term, most can rely on lines of credit to pick up the slack.…
DE Delancey Editorial

WHY

October 10, 2026
Why Your MCA Funder Filed a UCC Lien Before You Defaulted
One of the most frustrating events for a business owner to encounter is when they find out that their MCA funder filed a UCC…
DE Delancey Editorial

UCC

October 10, 2026
UCC Lien Still Showing After Payoff: How to Fix It
Say you approach Funder C for a business loan, and its underwriter runs a lien check on your business. There it is, a UCC…
DE Delancey Editorial

SUING

October 10, 2026
Suing a Lender for Refusing to Terminate a UCC Lien
What happens when you pay off a loan? You want the piece of paper that says, “Well, paid in full. I’m free and clear.”…
DE Delancey Editorial

WHAT

October 10, 2026
What Are the Warning Signs of Predatory Business Tax Debt Services in 2026?
Let’s say you’re a business owner who fell behind on your taxes. And let’s say you have unpaid taxes, penalties, unfiled returns, late payroll…
DE Delancey Editorial
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Insights

Top questions

What is business debt settlement?
A negotiation process where a business resolves its commercial debts (MCAs, SBA loans, equipment finance, lines of credit) for less than the full amount owed, typically by demonstrating financial hardship. Distinct from bankruptcy, settlement is a private contractual agreement.
Is it the same as Chapter 11?
No. Chapter 11 is a court-supervised reorganization. Settlement is a private negotiation, faster, less public, and usually cheaper. We sometimes refer clients to Chapter 11 when the math favors it.
Will it ruin my credit?
Defaulted accounts are reported regardless of whether they are settled or not. Settlement actually shortens the period of damage by closing the account.
How long does it take?
Every engagement is different. Timelines depend on the number of positions, whether litigation is filed, and how each creditor responds. We do not publish averages because publishing one would set an expectation we cannot honor for every business. We give you a written, engagement-specific timeline at the end of the first call.
What does it cost?
Our fee is a percentage of your total enrolled debt. We tell you exactly what we'll charge in writing before any work starts.
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