Here's Who We Are

We're Fund Virtually Everything

We fund business owners nationwide, regardless of industry, credit, or time in business. We fund it all.

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We Provide Multiple Options

We have a lot of different financing options available to our clients. Regardless of your situation, we’ll have a solution for you.

Fast Approval

Our application process is completely online. You can get funds in your bank account in literally 24 hours.

The Working Capital You Need In 24 Hours.

We get you funding. It's that simple. Regardless of credit, income, or time in business - we'll fund you.


Use our online form or call toll-free anytime to get started. There's no cost, and the application takes only three minutes.


Receive application approval in as little as 24 hours. There is no credit check required.

Receive Funds

Review and return your signed agreement and get your money in as little as 24 hours.

Recent Business Loans Funded

100K Term Loan

Ambulance Service

Our client bought a new ambulance.
2019 - June
55K Advance

Truck Funded

Our client used the funds to hire new team members.
2019 - February
85K Term Loan

Restaurant Funded

Our client used the funds for restaurant equipment.
2019 - May

Get a Decision in as Little As 30 Seconds

We’re Fast. We Help Regardless of Credit. WE HAVE A SOLUTION FOR YOU.

Apply Online

We have a completely online application process, which is simple and easy.

Get Offers

We'll match you with the best loan offers we have that are financially responsible.

Get Funded Quickly

We'll fund you the same day you accept our offer.

How Delancey Street Works

Fill Out Our Application

Answer basic questions about yourself and fill out our entirely online application. Each loan has its own online process.

Meet Your Concierge

We'll pair you with an experienced Delancey Street specialist who will reach out to you, and understand your needs. We'll try to determine which financial product is right for you.

Compare Our Loan Offers

We give you a few different loan offers based on your scenario and what options you qualify for.

Choose Your Loan

Once you've chosen a loan that works for you, we finalize it and start getting the documents needed.

Get Funded

Once we get all of the documents back, we'll get you funded ASAP.

We Help You Grow

After you get funded, your Delancey Street concierge specialist will keep in touch to make sure you're happy and doing well.

Business Loans

Get business loans ranging from 3 months to 18 months
No credit score requirement, we have a program for everyone
We can fund up to $5 million in virtually 24 hours

Phoenix Business Debt Relief and Debt Settlement Lawyers


Finding Financial Freedom with Phoenix Personal Debt Relief

Dealing with overwhelming personal debt can feel incredibly stressful and hopeless. The letters from creditors keep coming, the debt collectors keep calling, and the interest charges keep mounting. You may have tried budgeting, cutting expenses, working extra hours and it still isn’t enough. Debt settlement through companies like Phoenix Personal Debt Relief can provide real solutions to get out of debt and regain control of your finances.

At Phoenix, we understand how suffocating high personal debt can be. We’ve helped thousands of clients negotiate and settle their debts at a fraction of what they owe. Our debt relief programs can eliminate credit card balances, medical bills, personal loans and other unsecured debts in 24-48 months. If you’re struggling with $10,000 or more in debt, debt settlement may be the light at the end of the tunnel you’ve been looking for.

How Phoenix Personal Debt Relief Works

The debt settlement process involves working with your creditors to agree on a reduced lump sum payment to settle accounts for less than you owe. Here’s how it works:

  • You stop making payments to creditors and start contributing to a dedicated account instead.
  • Phoenix negotiates with your creditors to settle debts, typically for 30-50% less than the balance.
  • After sufficient funds accumulate in your account, Phoenix pays the negotiated settlement amount as a lump sum.
  • The creditor agrees to forgive the remaining balance.

This allows you to become debt-free much faster than continuing minimum payments, which can take decades with high interest rates. Phoenix’s debt relief programs aim to resolve all eligible debts within 24-48 months.

The Benefits of Personal Debt Settlement

Debt settlement provides a number of advantages over credit counseling, debt consolidation loans, or bankruptcy:

  • Pay a Fraction of What You Owe – Debt settlement reduces balances by 30-50% or more.
  • Become Debt-Free Faster – Programs take 2-4 years instead of decades.
  • Avoid Bankruptcy – Settling debt is better than a bankruptcy on your credit report.
  • Lower Interest & Fees – You stop accruing interest charges once enrolled.
  • One Affordable Payment – Make one monthly payment to Phoenix instead of juggling multiple bills.
  • Flexible Programs – Settlement plans are customized to your unique situation.

Debt settlement provides permanent debt reduction and a path to becoming 100% debt-free in a reasonable timeframe. It’s a powerful solution for gaining control over high credit card balances, medical bills, payday loans and other unsecured debts.

What Debts Can Be Settled?

Debt settlement works best for unsecured debts like:

  • Credit cards – Visa, MasterCard, American Express, store cards
  • Medical bills – hospital, doctor, dental expenses
  • Personal loans – bank, peer-to-peer, payday loans
  • Utility bills – cell phone, electric, water bills
  • Auto deficiencies – remaining balance after repossession
  • Old accounts in collections

For secured debts like auto loans or mortgages, check out options like refinancing which can lower payments. Student loans also can’t be settled, but you may qualify for IBR or deferment.

What Are the Requirements for Debt Settlement?

To enroll in a Phoenix debt relief program, you’ll need:

  • Unsecured debts totaling $10,000 or more
  • Proof of steady income from employment, benefits, pensions, etc.
  • The financial hardship or inability to pay minimum balances
  • Willingness to stop making payments to creditors
  • Commitment to contribute to a dedicated settlement account

You’ll receive a free consultation to review your debts, income, assets and budget to see if you qualify. Debt settlement won’t impact current assets like your home, car, retirement savings or valuables.

How Much Does Debt Settlement Cost?

Phoenix offers flexible pay-as-you-go programs with no upfront fees. Our fees only come from a percentage of the debt we settle for you. The fee depends on your state and total debt enrolled. We also work with third-party financing companies that provide low-interest funding options.

In addition, most creditors charge a settlement fee to process the lump sum payment. This is usually a percentage of the settled amount. The exact fee depends on the creditor.

When you consider Phoenix’s fees plus creditor settlement charges, most clients end up paying around 15% of their total enrolled debt. So if you settle $50,000 in debt, total fees would be about $7,500. That’s much less than paying the full balances with interest!

What Are the Drawbacks of Debt Settlement?

Debt settlement can negatively impact your credit score since accounts will become delinquent when you stop making payments. However, those late payments already hurt your credit. Settling debt for less than you owe won’t further damage your credit. Plus your score will start to improve once balances are reduced.

Another drawback is that creditors may take legal action like filing a lawsuit or garnishing wages while accounts are delinquent. However, Phoenix will work with you to negotiate with creditors and halt collections activity. Lawsuits are rare if you communicate properly with creditors.

Lastly, any forgiven debt may be taxable income. But insolvency exclusions and other deductions often offset any tax liability. Phoenix provides tax assistance to help determine if your settled debt is taxable.

How Can I Start Debt Settlement?

If you have over $10k in personal debt and need help, Phoenix offers a free, no-obligation debt and budget analysis. It takes less than 5 minutes to get started. You can:

  • Call (800) 123-4567 to speak with a certified debt consultant
  • Chat live on our website with a Phoenix debt expert
  • Fill out the online assessment form and we’ll contact you

There’s no commitment or fees for this initial consultation. We’ll review your financial situation, discuss your options, answer your questions and recommend a custom debt relief solution.

Don’t keep struggling with high personal debt. Phoenix Personal Debt Relief can help you finally see the light and get on the path to financial freedom. Get your free debt assessment today!

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

"Super fast, and super courteous, Delancey Street is amazing"
$125,000 Small Business Loan
"Thanks for funding me in literally 24 hours"
$35,000 Lawsuit Advance
"Great choice for first time fix and flippers"
$250,000 Hard money Loan

In The Media

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