The Delancey Blog
We Know Debt.
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.
In the Media
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Forbes, American Banker, Newsday, Oracle, NY Daily News, what publications are saying about Delancey and business debt.
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Debt Relief Blog
Articles & analysis
Long-form essays on MCA defaults, COJs, UCC liens, SBA workouts, and the evolving legal landscape.
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Debt Relief Insights
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Quick answers to the questions business owners ask us most. Bookmark and share.
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Debt Relief Videos
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Video explainers, client stories, and team interviews. Five-minute primers on complex topics.
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In the Media
What they're saying
Featured
When MCA Payments Become Unmanageable: Understanding Your Options
MCA payments putting pressure on your business? Review your cash flow, explore potential settlement options, and understand the role of independent counsel.
WHAT
What to Do When You Can’t Pay Your Merchant Cash Advance
If payroll, rent, and daily MCA payments no longer fit the money coming in, start with the actual numbers. Gather recent receipts, operating expenses,…
MCA
MCA Reverse Consolidation vs. Debt Settlement: Which Is Better?
MCA reverse consolidation adds a new funder that deposits money weekly so your existing merchant cash advance debits keep clearing, while business debt settlement…
AN
An MCA Confession of Judgment: Financial Preparation and Independent Legal Review
Learning that a judgment or account restraint exists can be frightening. The documents and deadlines matter, and independent counsel should review them promptly.
SBA
SBA Loans as an MCA Exit Option: Questions to Ask
New financing may look attractive when daily MCA payments feel overwhelming. Whether a particular loan can be used, whether you qualify, and what it…
SETTLING
Settling Stacked MCA Debt: Building a Coordinated Financial Picture
With several MCA payments leaving one account, reviewing only the largest balance can miss the real cash problem. A useful discussion starts with the…
SIX
Six Requests to Question Before Hiring an MCA Debt Relief Company
Six requests to question before hiring an MCA settlement company: advice to stop payments, unclear fees, requests for banking access, restricted funder contact, new…
ARE
Are MCA Debt Relief Companies Legitimate?
A polished website does not tell you what a company will do for your business. Start with the written scope, the fee arrangement, and…
MCA
MCA Default Notice: What It Means and How to Prepare
A merchant cash advance default notice is a letter from the funder, not a court order, but it deserves prompt attention. This article explains…
WHY
Why a Funder May Consider an MCA Settlement
A funder may consider a settlement because it prefers a proposed agreement to continuing uncertainty. That does not mean it must accept less, or…
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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