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
Should I settle my business debt or try alternatives like restructuring?
Small business owners who are deep in debt often believe they have only two options, close the doors or declare bankruptcy. They don’t. If most of your debts are unsecured or your loan agreement has a…
WHAT
What can I do if my business can’t repay a merchant cash advance?
A merchant cash advance is where a business sells future revenue or receivables to a funder at a discount for cash up front. The…
SHOULD
Should my struggling business try to settle its debts?
Business debt settlement can provide real, tangible relief for small and medium sized companies that are in real financial hardship. Carrying some debt is…
MCA
MCA lawsuits in Connecticut: potential legal defenses
Some businesses in Connecticut have received summonses for civil action filed by the funders of merchant cash advances. Independent counsel can review possible defenses…
SHOULD
Should my business file Chapter 7, Chapter 11, or just dissolve without personal bankruptcy?
Corporations, LLCs, S-corps and others are legal persons in the state of Michigan (just like they are in other states). They can borrow and…
WHAT
What is an assignment for the benefit of creditors, and when does it beat bankruptcy?
The prospect of reorganizing a struggling firm successfully in bankruptcy is often dim. One possible outcome is liquidating the business through a bankruptcy sale.…
CAN
Can I get relief from an SBA or EIDL loan my business can’t repay?
The federal government offered SBA EIDLs to help shops and other small businesses stay afloat during Covid-19. The money helped many shops survive. For…
WHAT
What are my options if my business is running out of money and can’t pay its debts?
Is your business about to run out of money and can’t pay your debts? This is unfamiliar territory for most business owners. But depending…
WHAT
What are the alternatives to bankruptcy for a struggling business?
When businesses begin to slide into serious trouble, they typically consider bankruptcy. However, bankruptcy is not the only answer. Depending on circumstances, it can…
WHAT
What happens if my business defaults on a business loan?
Small business owners often feel like they have to hit the lottery in order to obtain financing. Between the amounts of paperwork, the restrictions…
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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