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.
Explore
Debt Relief Blog
Articles & analysis
Long-form essays on MCA defaults, COJs, UCC liens, SBA workouts, and the evolving legal landscape.
Explore
Debt Relief Insights
FAQ & guides
Quick answers to the questions business owners ask us most. Bookmark and share.
Explore
Debt Relief Videos
Watch & learn
Video explainers, client stories, and team interviews. Five-minute primers on complex topics.
Explore
In the Media
What they're saying
Featured
Landlord Lawsuits and Personally Guaranteed Commercial Leases
A commercial tenant’s default puts both landlord and tenant in a bind. The tenant has to decide whether to move out, stay and fight or sue, and the landlord has to decide whether to evict, renegotiate…
COMMERCIAL
Commercial Equipment Repossession and Deficiency Claims
Whether you finance and lease out commercial equipment for a living or simply do so on occasion, sometimes bad luck (or bad circumstances) forces…
WHAT
What happens if I default on a commercial mortgage loan?
If you’re the owner of commercial real estate, you’re not the only one who is worried. Commercial real estate lenders are getting squeezed, too.…
AM
Am I personally liable if my business can’t pay its commercial lease?
The typical commercial lease is one of the largest liabilities a business owner signs. And in today’s high rent world, with a building lease…
IS
Is it risky to use a debt relief company for merchant cash advance debt?
Seasonal slowdowns happen in every industry. Business owners sometimes find it difficult to maintain financial flow and liquidity between revenue periods or when they…
WHAT
What happens if my business misses a loan payment?
A lot of things can throw off a business plan, and one of them is a missed loan payment. It could be a seasonal…
HOW
How can I reduce my business’s debt?
When sales start picking up again after a downturn, a qualified financial professional can help you weigh debt payments against business spending. By lowering…
WHAT
What are the alternatives to Chapter 11 for a struggling company and its creditors?
Companies get into financial trouble for all sorts of reasons: too much debt, cash flow issues, litigation, a recession. Chapter 11 bankruptcy allows a…
HOW
How should a company prepare to negotiate a debt restructuring with lenders?
Debt restructuring is unforgiving; little things matter. Many companies stall or collapse unnecessarily because they are poorly prepared. No one does restructuring for fun.…
WHEN
When does a struggling business need a turnaround manager?
Turnaround management is a process used to help businesses facing crisis, decline or recovery. Usually this process is led by a turnaround consultant or…
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.
Free Consultation
Get Help With Your Debt.
Tell us about your situation. Same-day callback. Confidential. No commitment. A senior advisor will give you a realistic plan on the call, not a sales pitch.
100% confidential
Same-day callback