The Delancey Blog

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Debt Relief Blog

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In the Media

What they're saying

Featured
Featured · November 2, 2026 · 5 min read

How can newsletter publishers profit from paid information when so much is free?

If anyone should be sad about the new world of widely-available free information, it should be the newsletter publishers. The flow of free information has swelled into a flood, squeezing the life out of people who…

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Delancey Editorial
Delancey Team
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WHY

November 2, 2026
Why is a confession of judgment in a merchant cash advance dangerous?
Small business owners have been frantically searching for money to make payroll, pay vendors, buy supplies, and fill other gaps. At that point, some…
DE Delancey Editorial

IS

November 2, 2026
Is an assignment for the benefit of creditors better than a Section 363 sale?
An alternative to selling through bankruptcy court If you sell your business to a buyer with experience in company failures, it’s common for the…
DE Delancey Editorial

HOW

November 2, 2026
How can I protect myself from liability when buying a financially distressed business?
You can get a pretty good deal if you want to buy a distressed business. But the trouble is that buying from a struggling…
DE Delancey Editorial

WHAT

November 2, 2026
What types of insurance do I need if I’m self-employed?
More and more Americans are ditching their office jobs and working for themselves these days. Who could blame them? You set your own hours.…
DE Delancey Editorial

HOW

November 2, 2026
How do I market and sell software to businesses through direct mail?
Three People Whose Decision You Must Affect Business software looks simple until you try to sell it. In most organizations, there are three people…
DE Delancey Editorial

SHOULD

November 2, 2026
Should I use forced free trials to sell newsletter subscriptions?
The response to number ten packages and other direct mail packages is declining, which explains why so many newsletter publishers are relying on forced…
DE Delancey Editorial

HOW

November 2, 2026
How do I scale my startup’s organization as it grows?
Ay you got some money? You got a million cash? Be makin’ money money money money money money Watch it, I’ll flip it Get…
DE Delancey Editorial

HOW

November 2, 2026
How can my struggling business get financing to avoid bankruptcy when creditors press?
According to Boston Consulting Group (BCG), by the end of Q2 2020, over 60 percent of US businesses were either under financial or operational…
DE Delancey Editorial

HOW

November 2, 2026
How should I set up a meeting room so the speaker has more impact?
This is a post on conferences. But it applies to any meeting, not just conferences. The layout of the room where people talk gets…
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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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