The Delancey Blog

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Debt Relief Blog

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In the Media

What they're saying

Featured
Featured · October 28, 2026 · 6 min read

How should a company account for a debt modification or restructuring under GAAP?

As companies rethink their financing with banks and investors, they are experimenting with the best way to renegotiate existing debt, thereby improving their credit profile and liquidity. When a company is unable to meet its capital…

DE
Delancey Editorial
Delancey Team
Read article

HOW

October 28, 2026
How do I settle a charged-off business line of credit without a lump sum?
I have a question about a business LOC I got in 1994 from a bank. The company operated from 1987 to 2005. I paid…
DE Delancey Editorial

WHAT

October 28, 2026
What should my business do when a merchant cash advance company demands payment instead of our vendor?
Practically every business has bills. You run a small business, and owe money to a vendor each month for an expense. So, you’ve been…
DE Delancey Editorial

HOW

October 28, 2026
How do I get my factoring company’s UCC filing released to switch factors?
Freight factoring is designed for companies that haul freight but don’t want to wait to get paid on accounts receivable. In exchange, you’ll have…
DE Delancey Editorial

HOW

October 28, 2026
How does a business actually collect a court judgment from someone who owes money?
You hired a lawyer, won in court, and have a judgment for money owed to you. Congratulations. Now the defendant is not paying the…
DE Delancey Editorial

HOW

October 28, 2026
How do UCC liens work and how does filing a UCC-1 protect a creditor?
A Uniform Commercial Code (UCC) filing is a lender’s notice, like a lien, claiming an interest in a borrower’s assets, all or some of…
DE Delancey Editorial

HOW

October 28, 2026
How can lenders protect UCC liens from federal tax liens and debtor name changes?
In a heightened era of due diligence, factors and other commercial lenders face statutory requirements related to filing and perfecting a lien under the…
DE Delancey Editorial

HOW

October 28, 2026
How can a lender use an Article 9 sale to restructure a defaulted business loan?
For asset based lenders seeking to grow new business lines while limiting their losses, Article 9 of the Uniform Commercial Code governs certain secured…
DE Delancey Editorial

WHAT

October 28, 2026
What can a merchant cash advance company do with a UCC lien if I stop paying?
Of all the techniques MCA companies use to force small business owners to repay, the UCC lien may be their most powerful. In this…
DE Delancey Editorial

SHOULD

October 28, 2026
Should I include the debtor’s DBA name on a UCC financing statement?
One common and easily avoidable error by lenders and creditors is to include the wrong name for the borrower. Name errors are also a…
DE Delancey Editorial
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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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