Restructure
60%
lower daily payment
Business Debt Resolution
End-to-end debt resolution for operating businesses
When you owe money on multiple fronts — MCAs, term loans, vendors, tax — we run a single coordinated workout. One team, one plan, one phone line. Your business keeps running while we negotiate.
ALL
creditor classes
1
point of contact
30D
typical stabilization
$5M+
cases handled
THE PROBLEM
Most owners try to handle it alone
COORDINATED WORKOUT
$1.2M → $410K
66% reduction · stacked debt portfolio
That approach destroys cash and resolves nothing.
A typical distressed business has 5–8 creditors of different types — each with its own contract, its own collection cadence, its own leverage. Owners try to triage by who is yelling loudest.
That approach destroys cash and resolves nothing. The right approach is a single audit of every obligation, a creditor-by-creditor leverage map, and a sequence of moves designed to land all of it.
Business Debt Resolution is the flagship service: we own every creditor relationship until the case is closed.
WHAT WE HANDLE
6 scenarios, opened up
01
Coordinate negotiations across MCAs, term loans, lines of credit, vendor debt, and tax obligations in one plan.
How we run it
- 01Pull every contract, balance, status
- 02Rank creditors by leverage and urgency
- 03Open negotiations in priority sequence
- 04Close out with signed releases
Typical outcome
Avg outcome: portfolio settled at 35–55% of stacked balance · 9–14 months
02
Stop the bleeding fast: pause ACHs, reschedule the most aggressive creditors, reset the operating runway.
How we run it
- 01Stop ACH debits with bank instructions
- 02Route renegotiation requests to top 3 creditors
- 03Stand up new operating account if needed
- 04Reset 30-day runway
Typical outcome
Avg outcome: cash burn cut 60–80% within 30 days
03
COJ vacatur, lawsuit response, motion practice — handled by attorneys, not call-center reps.
How we run it
- 01Receive complaint, calendar answer date
- 02File answer with statutory defenses
- 03Move to vacate any default judgment
- 04Negotiate from filed defense posture
Typical outcome
Avg outcome: judgment vacated or settled pre-trial in 4–8 months
04
Negotiate releases on filings choking your AR, payment processors, and banking relationships.
How we run it
- 01Audit every UCC-1 on the business
- 02Identify expired or improperly perfected filings
- 03Negotiate releases or terminations
- 04Restore processor / banking access
Typical outcome
Avg outcome: 60–90% of liens released or subordinated
05
When the business is fundamentally healthy, restructure to a sustainable monthly outflow without bankruptcy.
How we run it
- 01Document hardship and pro-forma cash flow
- 02Build creditor-by-creditor concession ask
- 03Submit modification packages in parallel
- 04Sign restructure agreements
Typical outcome
Avg outcome: monthly debt service cut 40–60%, business retained
06
When closure is the answer, structure the orderly exit so personal guarantees don't follow you.
How we run it
- 01Inventory assets and PG exposure
- 02Coordinate vendor + lender close-outs
- 03Structure asset sale or assignment
- 04Release PGs as part of close
Typical outcome
Avg outcome: orderly exit with PGs released or capped
“
FROM THE DESK
Most distressed businesses don't fail because the debt is too large — they fail because they negotiate one creditor at a time and lose the leverage that comes from running the whole portfolio in sequence.
Our process
From
same-day
intake
to
closeout
Most cases hit resolution between months 3 and 6. We move on day one because deadlines don't wait.
01
30-min confidential call. We pull contracts, balances, and current status of each creditor.
Document review · Leverage map · Triage urgency assessment
02
Letter of engagement on file. We open communication with creditors on your behalf, work to pause aggressive collection actions, and help protect your bank accounts.
Engagement letter · Docket monitoring · Bank protection
03
Our team — and an affiliated attorney from our network when needed — handles every creditor communication. We document everything; you stop fielding calls.
Settlement memos · Counter-offers · Discovery if litigated
04
Signed settlement agreements, lien releases where applicable, and a clean path forward for the rebuild.
Final agreements · Lien releases · Closeout package
“Delancey Street walked us through every step. The settlement saved the business — and our credit.”
WHERE WE WORK
Business Debt Resolution cases in all 50 states
FAQ
Common questions
How is this different from your individual service lines?
Each service line (MCA, SBA, Vendor, etc.) handles one creditor type. Business Debt Resolution is the umbrella engagement when you have problems across multiple types and need them solved together. Same attorneys, broader scope.
Will I have to file bankruptcy?
In the vast majority of our engagements, no. The point of debt resolution is to avoid Chapter 7/11 by reaching out-of-court settlements. We work alongside bankruptcy counsel only when it's genuinely the better tool — and we tell you that early.
Can my business keep operating?
Yes. Continuity is a primary design constraint. Settlements are structured around realistic monthly cash flow, vendor relationships are preserved where possible, and processor/banking exposure is actively managed.
How long does a full resolution take?
Most cases stabilize in the first 30 days, with full creditor resolution between 6–24 months depending on portfolio size and creditor mix. We give you a realistic timeline at the strategy stage — not a sales pitch.
What does it cost?
Our fee is a percentage of your total enrolled debt, quoted in writing before any work begins. The first consultation is free, and all engagement terms are documented up front.
RESOURCES
Read more on business debt resolution
Guide
Negotiation flow
1 Demand
2 Counter
3 Term sheet
4 Settled
How does business debt settlement work?
Step-by-step explanation of the negotiation, timeline, and what changes for your business.
Read article
Defense
VS
Fight
$0
if you win
When to settle vs. when to fight
Not every creditor responds to negotiation. Here's how to read the situation.
Read article
Strategy
Avg. payment reduction
54%
Best business debt settlement companies (2026)
How we compare on track record, pricing, and outcomes.
Read article
GET IN TOUCH
Talk to a strategist about your business debt resolution case
Free initial review. We'll look at your contracts, the creditor mix, and what's actually triggerable in the next 30 days. No commitment, no sales pitch — just a real read on your situation.
Direct line
212-210-1851
Picked up by an actual case manager — no phone tree.
Email
info@delanceystreet.com
Replies within 4 business hours, 24/7 for COJ emergencies.
Confidential intake
Encrypted document upload
For uploading contracts, UCC notices, and bank statements.
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