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Featured
Featured · October 7, 2026 · 6 min read

San Jose MCA Debt: Preparing for Independent Legal Advice

A Dispute with a Merchant Cash Advance Funder If you’re a San Jose business and you’re in a dispute with a merchant cash advance funder, you may need a San Jose lawyer. But you may not…

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Delancey Editorial
Delancey Team
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SHOULD

October 7, 2026
Should My Business Seek a Loan Modification or Debt Settlement in 2026?
Loan Modification in 2026 Rather than Going for Debt Settlement A small business in the US might prefer to apply for a loan modification…
DE Delancey Editorial

HOW

October 7, 2026
How Do I Negotiate With My Business Creditors in 2026?
If you owe money that you haven’t paid, chances are, the phone calls and collection letters haven’t ceased, either. There is no secret and…
DE Delancey Editorial

DIFFERENT

October 7, 2026
Different Business Debts Need Different Reviews
If your business is struggling under debt, it’s good to know which debts can’t be settled with the creditor. Some are very hard to…
DE Delancey Editorial

HOW

October 7, 2026
How Does Business Debt Settlement Work in 2026?
Business Debt Settlement Debt settlement is when a business convinces a creditor to accept less than is owed. The creditor agrees to a lump-sum…
DE Delancey Editorial

SHOULD

October 7, 2026
Should I Close My Business or File Bankruptcy in 2026?
If you own a business, a personal Chapter 7 bankruptcy can put the company at risk of a temporary shutdown or of being lost…
DE Delancey Editorial

OUT-OF-COURT

October 7, 2026
Out-of-Court Business Debt Settlement: What to Ask
A Small Business in the US Can Out of Court Settle Debts in 2026 Yes. A small business in the US can out of…
DE Delancey Editorial

WHAT

October 7, 2026
What Are My Alternatives to Business Bankruptcy in 2026?
A US small business that is about to go under in 2026 has more options than bankruptcy. It can negotiate a deal with its…
DE Delancey Editorial

WHEN

October 7, 2026
When Does a Washington Business Need an Independent MCA Lawyer in 2026?
Whether You Need an MCA Defense Lawyer A merchant cash advance is sold as a purchase of future receivables, not a loan. The funder…
DE Delancey Editorial

VERMONT

October 7, 2026
Vermont MCA Debt: Preparing for Independent Legal Advice
Whether a Vermont Lawyer Helps A merchant cash advance is sold as a purchase of a business’s future receivables, not as a loan. Repayment…
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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