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
Press & coverage
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
FAQ & guides
Quick answers to the questions business owners ask us most. Bookmark and share.
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Debt Relief Videos
Watch & learn
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
What counts as unlawful retaliation against an employee at work?
1. What does “retaliation” mean? (a) When you get even with somebody who makes you mad. (b) When you withhold a raise because a particular employee makes you mad. (c) It’s a pun - “re-TAIL-iation” means…
HOW
How should small business owners handle unclear decision-makers, uninterested prospects, and proposal requests?
Times are tough. More business owners are learning how to sell. Many are looking for “tricks” to close the deal. Don’t fall for this.…
HOW
How do I write website copy that ranks well in search engines?
In November 2006, Heather Lloyd-Martin, an SEO copywriter, addressed the yearly AWAI conference on the art of writing web pages that rank high in…
WHO
Who can legally sign a contract for an LLC or corporation and bind it?
Who can bind a company to a contract? Is a “Managing Member” signature good enough for an LLC, or a “President” for a corporation?…
HOW
How do intercreditor agreements set priority between a factor and an inventory lender?
Inventory financing and factoring often co-exist in the same working capital finance project. Both lenders are a little like a first cousin. Both lend…
HOW
How do I run an effective meeting that keeps people engaged and productive?
Alright, fine, I’ll say it. Nerds expect order and efficiency. When nerds talk about order in the universe, we mean it. We want a…
WHAT
What notice and designation requirements do employers have under the new FMLA rules?
Figuring out FMLA compliance and FMLA rules, not to mention FMLA leave administration, can present some of the greatest HR management headaches. If you…
WHAT
What must lenders do on defaulted PPP loans before SBA pays the guaranty?
Congress created PPP under the CARES Act. Using the money correctly brings full or partial forgiveness. But not using the money as intended leaves…
HOW
How should a lawyer choose the right SEO keywords for a law website?
Choosing good keywords for a law blog involves more than just a brainstorming session. It’s an art more than a science. I will now…
WHAT
What should a freelance contract include to protect me and make sure I get paid?
A good contract covers all bases and ensures both you and your customer are on the same page. Yet too many new freelancers shy…
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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