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
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Quick answers to the questions business owners ask us most. Bookmark and share.
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Debt Relief Videos
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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 Happens If My Business Cannot Pay Its Debts in 2026?
Lots of small businesses had to shut down during the pandemic, and many more are barely hanging on. Maybe yours is one of them. Now the business just isn’t bringing in enough money to cover the…
WHAT
What Are the Signs My Business Should Consider Bankruptcy in 2026?
Nobody opens a business hoping to fail. No entrepreneur wakes up, pours themselves a coffee, and says to themselves, “today is the day I…
SHOULD
Should I File Bankruptcy for My Small Business in 2026?
Small business owners face a complicated question regarding their business debts when they struggle to generate enough cash to pay their monthly obligations. Should…
HOW
How Do I Restructure Business Debt Without Filing Bankruptcy in 2026?
Every business owner faces a harrowing moment when they discover that their debts exceed their assets or that they cannot cover payments on time.…
WHAT
What Is Subchapter V Bankruptcy for Small Businesses in 2026?
You are a business owner, drowning in debt. You have heard the term “Subchapter V” from your lawyer or accountant. What is it? A…
WHAT
What Happens to Personal Guarantees in a Chapter 11 Case in 2026?
It’s pretty common for small business owners to personally guarantee some of their companies’ obligations. And that can set off a chain reaction. If…
CHAPTER
Chapter 11 or Debt Settlement, Which Fits My Business in 2026?
If your business is drowning in debt, many entrepreneurs choose to simply negotiate with the creditors. Others file Chapter 11. Both approaches have benefits…
CAN
Can I Settle Multiple MCA Accounts Together in 2026?
If you have taken out more than one merchant cash advance, you already know how fast your sales can disappear into MCA payments. Each…
WHAT
What Should I Do If My MCA Payments Are Higher Than My Revenue in 2026?
Your MCA payments are higher than your revenue. Now you can’t pay your vendors, and it’s starting to take a real toll on your…
WHAT
What Are the Alternatives to Chapter 11 Bankruptcy for a Business in 2026?
Something Other than Chapter 11 When a business is drowning in debt, a lot of owners assume Chapter 11 is the only lifeline. It…
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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