The Delancey Blog
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Tactical writing from the team that resolves $100M+ in business debt every year. No SEO bait. No 'top 10' lists. The actual playbook, in print.
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Debt Relief Blog
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Long-form essays on MCA defaults, COJs, UCC liens, SBA workouts, and the evolving legal landscape.
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In the Media
What they're saying
Featured
When Does a Oklahoma Business Need an MCA Defense Lawyer in 2026?
If you own a small business in Oklahoma, and you have a merchant cash advance that you are no longer able to keep up with, the typical time that you would need a merchant cash advance…
WHEN
When Does a North Dakota Business Need an MCA Defense Lawyer in 2026?
MCA Defense Lawyer A merchant cash advance is structured as a purchase of a business’s future sales, repaid through daily or weekly debits from…
KANSAS
Kansas MCA Debt: Preparing for Independent Legal Advice
A merchant cash advance (“MCA”) is a fancy way of saying that a business – called a “funder” – will give a business some…
WHEN
When Does a Georgia Business Need an MCA Defense Lawyer in 2026?
Merchant Cash Advance Dispute People say a merchant cash advance is the purchase of a business’ future receipts. It’s usually repaid with daily or…
WHEN
When Does a Colorado Business Need an MCA Defense Lawyer in 2026?
Merchant Cash Advance A merchant cash advance is usually advertised as a sale of future receivables of the business. The advance is repaid in…
ARKANSAS
Arkansas MCA Debt: Preparing for Independent Legal Advice
Merchants with an MCA problem need legal help starting from the moment they get sued, or notice of arbitration or a notice of a…
CAN
Can Settling Debt Help My Business Avoid Bankruptcy in 2026?
Avoid Bankruptcy by Settling Its Debt A business can often avoid bankruptcy by settling its debt, but only if enough creditors agree and the…
DOES
Does a California Business Need an MCA Defense Lawyer in 2026?
In November 2020, California’s state financial regulator scrutinized the “merchant cash advance” product sold by Allup Finance, LLC, finding that it was not in…
NEW
New York City MCA Debt: Preparing for Independent Legal Advice
Merchant Cash Advance A merchant cash advance is typically structured as a purchase of future receivables, rather than a loan. This allows funders to…
MCA
MCA default and your business bank account
Are they debiting it directly, did they send a letter to your bank asserting some claim to your receivables, or did they send a…
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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