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.
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Debt Relief Blog
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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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Debt Relief Videos
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In the Media
What they're saying
Featured
Which Business Debts Should I Pay First When Debt Threatens My Company in 2026?
If you have debts in your business, don’t pay those debts in the order the loudest creditor tells you to pay them. You need to know which of those debts are ultimately coming after you personally.…
WHEN
When Does a Nevada Business Need an MCA Defense Lawyer in 2026?
Merchant Cash Advance A merchant cash advance is structured as a purchase of a business’s future receivables rather than a loan, and the funder…
CAN
Can My Business Settle Multiple Loans at Once in 2026?
A Workout with Multiple Creditors A business can make multiple deals simultaneously, but there is no way to force all the creditors into a…
CAN
Can a Business Negotiate With All Its Creditors at the Same Time in 2026?
Negotiate with All Its Creditors A business can negotiate with all its creditors at the same time. Lots of small businesses do that. The…
WHEN
When Does a Charlotte Business Need an MCA Defense Lawyer in 2026?
Merchant Cash Advance A merchant cash advance is a financing vehicle where a business sells its future receivables to an organization. A merchant cash…
HOW
How Is Business Debt Settlement Different From an ABC Liquidation in 2026?
For the average small business owner in 2026, a debt settlement and an ABC (assignment for the benefit of creditors) are not an “either…
WHEN
When Does a San Jose Business Need an MCA Defense Lawyer in 2026?
A Dispute with a Merchant Cash Advance Funder If you’re a San Jose business and you’re in a dispute with a merchant cash advance…
SHOULD
Should My Business Seek a Loan Modification or Debt Settlement in 2026?
Loan Modification in 2026 Rather than Going for Debt Settlement A small business in the US might prefer to apply for a loan modification…
HOW
How Do I Negotiate With My Business Creditors in 2026?
2026 Negotiate with business creditors Negotiate with creditors individually. Prioritize them based on their impact on the business and your personal lives. Then develop…
WHICH
Which Business Debts Are Hard or Impossible to Settle in 2026?
There are virtually no debts that a business is legally prevented from negotiating. The creditor can choose to accept less money than it is…
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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