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Featured
Featured · October 10, 2026 · 5 min read

8 Questions to Ask a Business Bankruptcy Lawyer in Central Pennsylvania

Filing for bankruptcy is a last resort, and the decision to do so is often painful. As uncomfortable as a business owner may feel about filing, it is important to take the proper steps. Among those…

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Delancey Editorial
Delancey Team
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8

October 10, 2026
8 Questions to Ask a Business Bankruptcy Lawyer in Cincinnati
When your business is falling behind, there are a million things running through your head: payroll, rent, keeping the lights on. Actually filing for…
DE Delancey Editorial

5

October 10, 2026
5 Things That Happen to Your LLC When You File Personal Bankruptcy
Many of the business owners we talk to at Delancey Street assume the company will go away when they file personal bankruptcy, or that…
DE Delancey Editorial

HOW

October 10, 2026
How many days late on an MCA before it’s considered default?
It’s one of the first questions we hear at Delancey Street from owners who have fallen behind on a merchant cash advance: how many…
DE Delancey Editorial

8

October 10, 2026
8 Questions to Ask a Business Bankruptcy Lawyer in Orlando
When the payments on a company’s debts start eating every dollar that comes in, Orlando business owners eventually hear the same advice: go talk…
DE Delancey Editorial

6

October 10, 2026
6 Things That Happen After a Chapter 11 Plan Is Confirmed
Chapter 11 lets a company that can’t pay its bills keep doing business. It can also leave the business with far less debt. It’s…
DE Delancey Editorial

7

October 10, 2026
7 Stages of a Business Bankruptcy Case
We often get asked by owners under MCA and loan pressure whether they should file Chapter 11. It’s important to know how the case…
DE Delancey Editorial

8

October 10, 2026
8 Questions to Ask a Business Bankruptcy Lawyer in Chicago
Many business owners still have a sense of shame surrounding filing for bankruptcy. At Delancey Street we are a business debt settlement company, not…
DE Delancey Editorial

6

October 10, 2026
6 Alternatives to Bankruptcy in New York
On the surface, bankruptcy seems like the only option. After all, your business is on the verge of collapse. You have significant debt. Your…
DE Delancey Editorial

6

October 10, 2026
6 Things Chapter 13 Can Do for a Business Owner
Closing the doors of a business you built is emotional and hard, and many of the owners we talk to at Delancey Street never…
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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