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
Will a court enforce my personal guarantee on a business loan after it was amended?
Lenders don’t often want you as an individual to guarantee a loan they are making to a business you own. Occasionally, though, a lender will want a “guarantee” from the individuals who own the business. A…
WHEN
When should my business stop chasing unpaid invoices and hire a debt collection agency?
Debt collection and debt recovery - also called loan collection and loan recovery - sound very similar, but they aren’t. Collection involves keeping things…
COVID-19
COVID-19 Small Business Relief in 2020: Federal, NY and California
The pandemic has walloped small businesses across America, because many operate on very little cash to begin with. Big firms tend to have large…
WHAT
What should I know about a merchant cash advance before signing one?
A merchant cash advance (MCA) is an alternative form of business financing rather than a typical bank loan. The funder gives the owner a…
HOW
How can merchant cash advance funders detect and prevent merchant fraud?
Merchant cash advances have become a lifeline for the small and mid-sized businesses that cannot get bank credit and need cash on the fly.…
WHAT
What do merchant cash advance terms like holdback, factor rate, and stacking mean?
ACH (Automated Clearing House): An electronic way of moving money from one bank account to another. It’s how the MCA lenders pull repayment directly…
WHY
Why would a secured lender choose an assignment for benefit of creditors over foreclosure or bankruptcy?
This piece takes a look at a relatively new state law still working its way through various legislatures. For reasons explained later, banks might…
ARE
Are merchant cash advances more expensive than business loans?
Some financial products, like merchant cash advances, came onto the market after the 2008 recession. These cash advances are easy to qualify for and…
CAN
Can the government still investigate my business’s PPP loan if it wasn’t forgiven?
A look at PPP audits, enforcement, repayments and collections, as the Trump administration comes to power. Even now, years after the pandemic, PPP loans…
CAN
Can I get an SBA 7(a) loan to start my first business?
A lot of first-time founders have a good business idea but aren’t necessarily financially secure enough to expand and grow their companies. An SBA…
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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