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Debt Relief Blog

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In the Media

What they're saying

Featured
Featured · November 2, 2026 · 5 min read

What debtor name should I use on a UCC financing statement to be effective?

UCC financing statements are supposed to give the world notice of a creditor’s security interest. That assumes the world can actually find those statements, and since what brings them up on the database searches that creditors…

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Delancey Editorial
Delancey Team
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WHAT

November 2, 2026
What are a startup board’s duties when winding down after running out of cash?
Venture-funded startups that are still in development or not yet at cash flow breakeven may end up at a point where they have no…
DE Delancey Editorial

HOW

November 2, 2026
How do I build a strong consumer brand for my startup?
People use the word “brand” rather loosely. Sometimes it means “brand image” - things like packaging and logos. It might mean “brand ethos” -…
DE Delancey Editorial

WHAT

November 2, 2026
What factors matter most for a successful direct mail newsletter subscription campaign?
While fewer people may now respond to a direct-mail package than was the case a few years ago, this method is still the most…
DE Delancey Editorial

HOW

November 2, 2026
How do I make my newsletter so valuable that subscribers keep renewing?
Bill Bonner, head of Agora Publishing, once joked no woman has ever said to her husband, “Honey, let’s go shopping for newsletters.” The truth…
DE Delancey Editorial

HOW

November 2, 2026
How do I get traffic to my business website and grow an email list?
”I have a home-based business and I’ve launched my Web site. But I have no visitors or sales. What can I do?” Here’s one…
DE Delancey Editorial

HOW

November 2, 2026
How can a startup successfully hire and integrate executives from big companies?
”Cause the small fry came and nestled in between the buns.” Your startup just reached product-market fit, and the board is breathing down your…
DE Delancey Editorial

HOW

November 2, 2026
How can I protect my personal assets from my business’s creditors and lawsuits?
When you own a business, you take risks that your employees will never face. If your business owes money to a supplier that needs…
DE Delancey Editorial

HOW

November 2, 2026
How can I protect myself as a personal guarantor if my business closes?
It is a difficult time for businesses in many industries. Most business loans are secured by a personal guaranty of the business owner. A…
DE Delancey Editorial

HOW

November 2, 2026
How do lenders submit SBA 7(a) loan servicing requests under SOP 50 57 3?
After a 7(a) loan has been disbursed to a borrower, the borrower may request a loan action that may need to be forwarded to…
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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