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
MCA
MCA Debt Defense New York
New York is the epicenter of MCA litigation. Recent statutory changes and case law have shifted the leverage. Here's what NY-based merchants need to…
CAN
Can You Sue Your MCA Company: When Litigation Makes Sense
Most merchants think of themselves as defendants in MCA disputes. Sometimes you should be the plaintiff. Here's when affirmative litigation actually moves the needle.
FIGHT
Fight MCA Default Judgment Unknown
If you discovered a merchant cash advance judgment was entered against you without notice, you may have grounds to vacate it. Here's how the…
MCA
MCA Lender Consent Judgment vs COJ
Consent judgment and confession of judgment sound similar and have very different consequences for the borrower. The procedural difference, the strategic difference, and when…
6
6 Signs Your MCA Funder Is About to File a Confession of Judgment Against You
Confessions of judgment are filed without warning, but the warning signs come well before the filing. Six specific signals that a COJ is being…
MULTIPLE
Multiple MCA Funders Suing
When two, three, or four funders sue at the same time, the wrong move is treating each engagement in isolation. Sequencing settlements across creditors…
7
7 Business Debt Lawsuit Defense Strategies
Defenses to business debt lawsuits exist beyond simply paying the debt. Seven categories of arguments an independent attorney may raise, and what each one…
MCA
MCA Settlement: Being Sued Right Now
You have been served. The complaint is on your desk. Here is the seventy-two-hour action plan, how settlement coordinates with defense, and what a…
MCA
MCA Settlement: Debts Over 6 Months in Default
Aged MCA debt often settles for less than fresh defaults. The reasons are accounting, not sympathy. Here is the portfolio math behind why month…
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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