We are DelanceyStreet.com – a top tier small business debt relief company that helps business owners with all types of debt.

UNDERSTANDING BUSINESS DEBT RELIEF
Regardless of the type of debt (merchant cash advance, business credit card debt, SBA loans, etc.), business debt relief generally means negotiating with creditors, consolidating the debt into one monthly payment, or otherwise restructuring your debt so that what you owe is less than what you did. Think of it as a new agreement – often, reduced principal amounts or lower interest rates – that helps you avoid going out of business. It’s about survival. It’s about giving you a second chance.

WHY DOES BUSINESS DEBT RELIEF MATTER
No lender wants you to file bankruptcy. Seriously. They want you to pay, even if it’s at a reduced rate. They would prefer you staying in business and getting money on a slower pace, rather than getting no money. But without business debt relief, you could see a chain reaction of missed payments, higher interest rates, and low cash flow.

Visit the U.S. Small Business Administration for a quick overview on small business debt resources.

POTENTIAL PENALTIES AND LEGAL CONSEQUENCES
If your debt goes out of control, you could face a number of penalties and issues:

1. Lawsuits from MCA lenders or other creditors who want to collect what’s owed to them.
2. Judgments which can lead to bank levies, property liens, or seizure of assets.
3. Personal liability if you signed a personal guarantee or a confession of judgment (COJ), they can come after personal assets.
4. Negative credit impact, which can destroy your ability to secure future financing, if you do get it – it’ll be at a higher factor rate.

In some states, predatory tactics (like sky-high fees or interest that try to avoid usury laws) could result in additional penalties for lenders, but that doesn’t magically erase your obligations.

For details on consumer protection measures (some of which may also affect small businesses), see the Federal Trade Commission.

LAWS THAT CAN AFFECT BUSINESS DEBT RELIEF
There isn’t a single “Business Debt Relief Act,” but multiple statutes and regulations may be relevant:

• Uniform Commercial Code (UCC) sections on secured transactions and enforcement.
• State-specific laws on lending, interest rate caps, and commercial transactions.
• Federal Bankruptcy Code (Title 11, USC) if the business contemplates Chapter 11 or a personal Chapter 7/13 with personal guarantees.

Regardless – the laws are complicated. We can help you. We can fight to undo the damage. But you have to reach out to our company, ASAP, so we can start working on your behalf, and send out letters of representation to lenders.

HOW BUSINESS DEBT RELIEF WORKS

1. Open Communication: First, you reach out to your lenders, or hire a top tier business debt relief company like DelanceyStreet.com.
2. Negotiation: We reach out to creditors and request a lower principal, lower interest, or extended terms.
3. Consolidation or Settlement: Sometimes, that means a lump-sum settlement. Other times, it’s a restructured plan.
4. Ongoing Support: Our team (with attorneys, advisors, and specialists) looks at your obligations, ensuring you stay on track.

AS SEEN ON major media outlets, DelanceyStreet.com has the EXPERIENCED team you need.

DEFENSE STRATEGIES IF YOU FACE LEGAL ACTION
We’ve learned that lawsuits often revolve around alleged defaults on MCAs or other high-risk financing. Our approach involves:

• Challenging the contract terms: Is there a confession of judgment? Are there illegal terms that violate state usury laws?
• Verifying the debt: Lenders have to prove the validity of the amount owed. Most lenders will offer a payment log when requested.
• Negotiating a settlement: We aim to reduce the total owed, stretch out payments, and remove the burden of daily repayments.

Imagine this scenario:

• An MCA lender tries to withdraw a daily ACH amount that which exceeds your ability to pay, and now you’re going negative.
• You review the contract and realize the interest rate could be disguised as a “factor rate,” potentially violating your state’s usury laws. You are unsure of what to do now.
• A court could refuse to enforce certain parts of that agreement if it’s unconscionable.
• The entire agreement might unravel if a judge finds a key clause in the agreement unenforceable, which can dismantle the creditor’s leverage.

But guess what? You need an EXPERIENCED legal team to assert these points, or the lender wins by default.

STRATEGIES OF HOW WE’D DEFEND YOU
We are DelanceyStreet.com, a top tier business debt relief company, owned by an attorney. We have a network of attorneys that’s are ready to step in. We also have a network of attorney nationwide. It means that regardless of where you are, and regardless of which lender it is – we can help you deal with it.

We can help you:

• Negotiate reduced payoff amounts so you keep your business alive.
• Consolidate multiple MCA debts into one monthly payment.
• Defend you in lawsuits, possibly challenging the legal enforceability of certain contract terms.
• Leverage any misconduct by the lender (like hidden fees or inflated factor rates) to secure a better deal.

We know the tactics. We know the laws. We have the relationships that matter.

PUTTING IT ALL TOGETHER
Business debt relief is about staying in business. It’s about reorganizing toxic debt, dealing with vendor disputes, and keeping your doors open. No one wants to see you disappear. Lenders want to be paid back, even if it’s less than what was originally owed.