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 should a lender do when a commercial borrower defaults and a workout begins?
This piece is a primer for lenders on some of the early matters that may crop up in a workout, and for borrowers, on what to watch for in drafting docs so that they can try…
WHAT
What is the difference between a loan modification and forbearance for a struggling business?
The most common approach that lenders have taken is a forbearance or a loan modification, but both come in a number of different flavors,…
HOW
How do I handle customer price objections without lowering my price?
Financial Dependency You may have a nice life and maybe you think everything’s good, but I’m here to tell you: maybe it’s not. Most…
WHAT
What common employment mistakes lead to employers getting sued by employees’ lawyers?
John Gallagher, the plaintiffs’ lawyer, has a nice piece up at TLNT about web surfing. He wonders whether firing for it is a good…
WHICH
Which employee complaints are protected from retaliation under the Sarbanes-Oxley Act?
Since the SOX covers a lot of things, I thought it might be fun to put the post in Q&A format and make it…
HOW
How can employers handle holiday parties, gifts and bonuses without legal problems?
It seems like a good time to discuss what employers should consider during this holiday season. Suzanne Lucas, who writes the Evil HR Lady…
WHAT
What can employers legally do about employee alcohol, drug, marijuana and tobacco use?
Let’s talk intoxicants and the workplace, as together they always make for such a good cocktail. What follows covers America’s favorite pastimes, listed in…
WHAT
What rights do employers have when handling ADA reasonable accommodation requests?
Noteworthy. Several Points of Real Help to Employers The holidays are near so, for once, I’m going to be upbeat and not my normal…
WHAT
What premiums work best for selling newsletter subscriptions by direct mail?
In publishing, using a premium to make your offer stand out has become standard operating procedure. Not all premiums work equally well. Here is…
HOW
How do I build a large opt-in email list of qualified B2B prospects?
As business-to-business marketers cut costs by shifting marketing budgets from direct mail and printed newsletters to email and e-newsletters, your business will find a…
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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