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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
Legal · June 24, 2026 · 5 min read

Can’t keep up with my MCA payments – what are my options before I default?

TL;DR: Before you miss a payment you have one real piece of leverage most business owners in a situation like yourself never use: reconciliation clause. Use it right and you buy room to figure out your…

MS
Max Soni
Delancey Team
Read article

CAN

June 24, 2026
Can an MCA company actually freeze your business bank account?
Welcome to Delancey Street. This article is about educating business owners like yourself, whether an MCA company can actually freeze your bank account. Many…
MS Max Soni

WHAT

Legal
June 24, 2026
What happens when you stop paying an MCA
Welcome to Delancey Street. The objective of this article is to help business owners like yourself, who are on Google, and need help understanding…
MS Max Soni

MCA

Legal
June 24, 2026
MCA Debt Relief: What Actually Works, And Who’s Lying To You
Welcome to Delancey Street. If you’re reading this article, then you’re probably in a predicament: you’ve probably got a daily ACH draining your account…
MS Max Soni

HOW

Cash Flow
June 24, 2026
How to restructure MCA debt
This article is to help you answer the question: how to restructure MCA debt. We see the same panicked calls every day. Clients taking…
MS Max Soni

BEST

Legal
May 17, 2026
Best Business Debt Settlement Companies 2026
Welcome to Delancey Street. This article is geared towards helping business owners understand Business Debt Settlement and Relief. This is the ultimate guide, for…
MS Max Soni
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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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