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 are the tax consequences of business debt restructuring or cancellation?
It’s a challenging time for business owners. Anyone who runs a business these days faces relentless pressures from all sides. For workers, the ability to work from home can be a great perk. Remote work, which…
WHAT
What can a secured lender do about a fraudulent UCC termination or secret collateral sale?
Secured lenders are aware of the UCC1 financing statement and its use to perfect an interest in personal property. They check on the debtor’s…
WHAT
What am I liable for on a personal guaranty, and what limits apply?
Financing is one of the most vexing problems business owners face. Most banks require a personal guaranty on small business financing - and if…
HOW
How do UCC filings and tax liens affect my small business getting a loan?
Are you a small business owner considering applying for a loan? If so, it’s important to understand the concept of liens. When you’re seeking…
HOW
How can my business remove a fraudulent UCC filing or judgment lien in California?
One bizarre extrajudicial maneuver is hurting businesses big and small in California. A disgruntled person - often calling themselves a sovereign citizen - can…
WHAT
What happens if my business defaults on a merchant cash advance?
Merchant cash advances can provide quick funding, but their payments can strain cash flow. Some owners struggle to keep up when sales fall. Owners…
WHAT
What are my workout options if my commercial real estate loan is in default?
If you are in default or threatened with foreclosure on a commercial real estate loan, you are in a boat with many other business…
HOW
How can my business qualify for a merchant cash advance?
The unexpected can throw any business for a loop. A large repair bill due right away, a tax payment that’s bigger than it ought…
HOW
How has getting a small business loan changed, and what are my non-bank options?
If you applied for a small business loan years ago, you probably remember everything that you had to do in order to be approved…
MERCHANT
Merchant cash advance or payday loan: what’s the difference?
Sooner or later, everyone gets slammed by a disaster. Your car dies with the rent due. A busted water pipe floods your office and…
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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