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
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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 are better alternatives to a merchant cash advance for a small business?
Most small business owners are cautious when they plan for cash needs, but even the best-run businesses sometimes find themselves strapped. Cash: you might think you have enough to tide you over if a customer is…
HOW
How do New York appeals courts decide if a merchant cash advance is a loan?
March 15 marks the eighth anniversary of Champion Auto (1st Dep’t 2018, 159 A.D.3d 507), the first Appellate Division ruling in New York that…
WHAT
What is double dipping when renewing a business loan or cash advance?
Paying Double for the Same Money Double dipping is when some or all of the unaccrued (or not-yet-earned) interest gets added to the payback…
WHAT
What are the alternatives to Chapter 11 bankruptcy for a struggling business?
Chapter 11 Filings From the biggest companies down to the tiniest, everyone is fighting to stay afloat during this crisis. Several of the biggest…
SHOULD
Should a struggling business file Chapter 7, Chapter 11, or use an alternative?
Chapter 7 Filing Chapter 7 is generally considered a last resort. It liquidates the business, distributing proceeds to creditors. The alternatives before it begin…
WHAT
What are the alternatives to Chapter 11 for a struggling business?
For nearly half a century, Chapter 11 of the Bankruptcy Code has been a lifeline for troubled businesses, allowing them to reorganize under the…
HOW
How can a struggling cannabis company restructure or liquidate without federal bankruptcy?
This is part three of three in a series on what cannabis companies can do instead of bankruptcy. Because cannabis continues to be federally…
WHY
Why should I search for UCC, tax, and judgment liens before buying a business?
The list of items sellers give to buyers during the diligence process is long. Dozens and dozens of items go back and forth. And…
WHAT
What are the options and risks of buying or selling a distressed business outside bankruptcy?
Outsiders often miss how much can be done in these circumstances. There are real openings for both buyers and sellers if they understand how…
IN
In what order do I pay creditors, employees, taxes and investors when closing my startup?
Sometimes a new business has to close down completely and that can be for a whole host of reasons. For example, maybe the company…
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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