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Featured
Featured · October 10, 2026 · 6 min read

9 Things Chapter 11 Means for a Small Business Owner

Debt problems tend to begin slowly, and end suddenly. Falling behind usually comes first. The downward spiral starts when you miss a vendor payment, or have a slow season, or get a tax notice, or someone…

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Delancey Editorial
Delancey Team
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WHAT

October 10, 2026
What is a reconciliation request and can it stop default?
You’ve probably heard the term “reconciliation request” if your sales have dried up and the daily debits from your merchant cash advance are starting…
DE Delancey Editorial

CAN

October 10, 2026
Can an MCA company sue me before I actually miss a payment?
One question we are often asked by business owners is whether a MCA funder can sue them while they are still in good standing.…
DE Delancey Editorial

HOW

October 10, 2026
How do I know if I’m about to default on my MCA?
Event of Default The honest answer is that whether you are in default or not probably depends on how the funding agreement was written.…
DE Delancey Editorial

WHAT

October 10, 2026
What assets can an MCA company seize after default
If your business has fallen behind on a merchant cash advance, you probably want to know one thing: what can the funder actually take?…
DE Delancey Editorial

WHAT’S

October 10, 2026
What’s the difference between MCA default and MCA breach?
If you have fallen behind on a merchant cash advance, you have probably heard both words. The thing is, a funder’s letter and a…
DE Delancey Editorial

MCA

October 10, 2026
MCA default judgment: can you vacate it
When a merchant cash advance company sues you in court and nobody from the business appears to defend, the court may issue a default…
DE Delancey Editorial

WHAT

October 10, 2026
What MCA companies do when you default: week-by-week timeline
A merchant cash advance is usually pitched as the flexible option. Instead of fixed payments on a set schedule, you hand the funder a…
DE Delancey Editorial

STACKING

October 10, 2026
Stacking MCAs and fraud accusations after default
If you stacked merchant cash advances and then couldn’t pay the MCAs, can you be accused of fraud? It is a question we hear…
DE Delancey Editorial

LIFE

October 10, 2026
Life after MCA default: rebuilding business credit
Yes, business credit can be rebuilt after an MCA default, though it takes time. The first 12 months after the end of the old…
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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