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 Personal Debt Relief and Personal Debt Settlement


Getting Out of Debt With Phoenix Personal Debt Relief

Debt can feel like a dark cloud hanging over your head. The letters from creditors keep coming, the phone calls don’t stop, and the debt just keeps getting bigger with all the late fees and interest. It can feel hopeless, like you’re stuck in a hole you’ll never climb out of.

But there is hope. You can take back control of your finances, reduce your debt burden, and start building a brighter future. Phoenix Personal Debt Relief can help you do it.

How Phoenix Personal Debt Relief Works

Phoenix Personal Debt Relief is a debt settlement company that negotiates with your creditors to reduce what you owe. Here’s how it works:

  1. You stop paying your creditors directly. Instead, you make one monthly payment to a dedicated savings account.
  2. Over a period of 12-48 months, the funds in the account grow until there’s enough to make settlement offers.
  3. Phoenix Debt Relief then contacts your creditors and negotiates to pay a percentage of your total debt to settle it completely.
  4. If the creditor accepts the offer, your account is considered “settled in full.” You’re no longer responsible for the remainder of the debt.
  5. As accounts get settled, you begin to see your total debt shrink and your credit outlook improve.

The Benefits of Debt Settlement

Debt settlement provides a number of advantages over credit counseling or bankruptcy:

  • Lower monthly payments – Your monthly payment to the dedicated account will likely be 50-75% less than what you currently pay to creditors.
  • Pay off debt faster – Debt settlement shortens repayment terms so you can be debt-free in as little as 12-48 months.
  • Save money – Debt settlement reduces your total debt burden by as much as 50% or more.
  • Avoid bankruptcy – Debt settlement allows you to pay back debt on your own terms and avoid the long-term harm of bankruptcy.
  • Stop collection calls and lawsuits – Once enrolled with Phoenix Debt Relief, creditors are legally required to direct all communication through us instead.

Who Is Debt Settlement Right For?

If you relate to any of these situations, debt settlement may be a good option for you:

  • You’re struggling with $10,000 or more in unsecured debt like credit cards or medical bills.
  • Your monthly debt payments exceed 50% of your take-home pay.
  • You’ve experienced a financial hardship like job loss, divorce, or medical crisis.
  • You’re relying on credit cards to pay for regular living expenses.
  • Your credit score has dropped below 620 because of late payments.

On the other hand, debt settlement may not be the right solution if:

  • You can afford your monthly payments but want to pay debt off faster.
  • You have assets creditors could seize if you default on payments.
  • You have co-signed a loan and don’t want to burden the co-signer.

The debt relief advisors at Phoenix Debt Relief offer free consultations to review your unique situation and provide tailored recommendations.

The Debt Settlement Process Step-By-Step

Wondering what it’s really like to go through debt settlement? Here is an overview of what you can expect:

  1. Consultation – Speak with an advisor about your financial situation. They’ll explain how debt settlement works and whether it’s the right path for you.
  2. Enrollment – If you enroll, you’ll open a dedicated savings account and complete paperwork to formally engage Phoenix Debt Relief’s services.
  3. Saving – Each month, you’ll make a payment into your dedicated account instead of paying creditors. With time, this account will grow to fund settlements.
  4. Settlements – Approximately 4-6 months into the program, Phoenix Debt Relief will start negotiating settlements with your creditors. Offers can start as low as 15% of the total owed.
  5. Payment – As creditors accept settlements, Phoenix Debt Relief disburses the agreed upon payment amount from your dedicated account.
  6. Debt Free! – Within 12-48 months, all of your enrolled debts will be settled and paid off. You’re now debt free aside from any mortgages or car loans!

Throughout the process, Delancey Street handles all negotiations and creditor communication on your behalf. All you need to do is make your monthly dedicated account payment.

What Debt Settlement Could Cost

The cost of debt settlement depends on how much debt you have and your state’s regulations. Fees are structured in one of two ways:

  • Percentage of debt – The average fee is 15-25% of your total enrolled debt. This covers the full service from enrollment to your final settlement.
  • Monthly fee – Some states cap fees at a monthly amount like $50-100. Monthly fees add up until reaching a maximum of 15-25% of debt.

In addition to fees, some of your monthly payment goes toward funding settlements. The rest covers Phoenix Debt Relief’s operating costs.

While debt settlement costs less than bankruptcy, it’s not free. Fees vary by state based on regulations. The right program will settle your debt in a way that reduces what you pay overall. It’s important to understand the costs before enrolling so you know what to expect.

Could Debt Settlement Hurt My Credit?

Debt settlement often does have a negative impact on your credit, at least temporarily. Here’s why:

  • Your credit score will drop when accounts first enter delinquency. Missed payments are a red flag for credit bureaus.
  • Settling debt for less than owed also signals you were unable to pay in full. Creditors may note “settled” on your credit report.
  • With less open accounts and reduced credit limits, your credit utilization ratio rises.

The good news? As you settle debts and reduce what you owe overall, your credit outlook should steadily improve. Most clients begin to see their scores rebound within 12-24 months.

Phoenix Debt Relief can provide tips to help you protect and rebuild your credit during debt settlement. The long-term benefits of becoming debt free often outweigh the short-term credit impacts.

What Our Clients Have to Say

Over (number) Americans have completed debt settlement programs with Delancey Street. Here’s what a few had to say:

“When I lost my job, debt settlement literally saved my life. Delancey Street negotiated my $42,000 in credit cards down to $14,000. I’m now debt-free except for my car loan.” – John D., Phoenix AZ

“I was able to settle about $15,000 in medical bills for less than $4,000. My program took just over 2 years. I now sleep great at night!” – Amanda W., Grand Rapids, MI

“At first I was skeptical debt settlement could really work. But Delancey Street came through for me. They settled my debts at 50% of what I owed. It feels so good to have a clean slate.” – Mike P., Denver, CO

Are You Ready for Debt Relief?

If debt has become overwhelming, Delancey Street can help you find the light at the end of the tunnel. Our experienced debt relief advisors will walk you through the process from start to finish, providing support and guidance along the way. You can get a free, no-obligation consultation to discuss your specific situation.

Don’t wait – the road to becoming debt-free starts today! Give us a call at (phone number) or visit to schedule your free consultation. The sooner you take action, the sooner you can start putting debt behind you for good.

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
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$35,000 Lawsuit Advance
"Great choice for first time fix and flippers"
$250,000 Hard money Loan

In The Media

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