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
WHAT
What to Do if an MCA Lender Files a UCC Lien Against You
WHAT
What Happens When You Default on a Merchant Cash Advance
5
5 Ways MCA UCC Filings Hurt Business How To Remove Them
This article is about UCC filings and how they hurt businesses, and more importantly, how to remove them. If you took a merchant cash…
BUSINESS
Business Debt Consolidation MCA Loans
Consolidate MCA Loans with business debt settlement for business owners with two or three MCA payments piling every day. Money is going in and…
2026
2026 Memphis MCA and Business Debt Relief Lawyers
Thank you for visiting our website. This article is about MCA debt relief lawyers in Memphis, Tennessee. Ranked lists and legal mechanics We’ll be talking about…
CAN
Can You Default on an MCA? What Actually Happens
Can You Default on an MCA? What Actually Happens: The short answer is yes, you can default on a merchant cash advance. It is…
BUSINESS
Business Debt Settlement Companies
A view from inside the industry on business debt settlement companies: why business debt and consumer debt sit under different rules, what the work…
HOW
How to Stop MCA Withdrawals Legally
How to stop MCA withdrawals legally: stopping an ACH payment is a banking action, not a crime, but turning off the debits does not…
WHAT
What to Do When You Can’t Pay Your Merchant Cash Advance
Can't pay your merchant cash advance? Delancey Street, a nationwide business debt settlement company, explains the MCA reconciliation clause and how to invoke 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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