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 I do if a business lender asks me to sign a confession of judgment?
A confession of judgment puts you at risk of losing your business and assets if you don’t pay your debts. If a lender asks for one, that’s a sign to slow down and weigh your other…
RECEIVABLES
Receivables Payment Notices: What to Gather for Legal Review
Received a notice directing customer payments to a lender? Gather the notice and related records and seek independent legal guidance before changing payment instructions.
HOW
How do I collect a small claims judgment from a company that won’t pay?
I filed a claim against a company at small claims court and won the judgement. The debtor refuses to make any payments. What can…
WHAT
What can my company do if another business refuses to pay a court judgment?
Your small business sued a bigger firm and won in court. The court awarded you damages. But no payment has arrived. What can a…
SHOULD
Should my business use UCC filings or credit insurance to protect unpaid receivables?
On the one hand, the sales team is tasked with growth through landing new customers and winning new deals. On the other hand, the…
HOW
How can my business get out of stacked merchant cash advances?
It’s easy to get a merchant cash advance, as easy as accepting a credit card. It’s a lot harder to get out of the…
WHAT
What counts as breaching a merchant cash advance contract in New York?
Usually, an MCA provider will bring claims of breach of contract against an MCA merchant because they allege the merchant somehow breached the contract…
CAN
Can a reverse consolidation help my business get out of stacked merchant cash advances?
There’s a particular kind of desperation that comes with owing too many merchant cash advances. The owners want a consolidation loan. Qualifying can be…
IS
Is refinancing equipment a safer way to get working capital than a merchant cash advance?
Even in a healthy economy, businesses experience monthly and even weekly fluctuations in cash flow. Today interest rates are rising, markets are volatile and…
HOW
How can a merchant cash advance help fund holiday inventory and staffing?
For retail and seasonal small businesses, the holidays are often the busiest time of year. In the weeks before, these businesses may see 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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