We Know Debt
Proven Debt
Relief Strategies
Real World
Results
Articles, news, and interviews on business debt relief and Merchant Cash Advance restructuring. Insights for business owners and operators – explore evidence-based strategies and real world results delivered for businesses just like yours.
We Know Debt
Proven Debt
Relief Strategies
Real World
Results
Articles, news, and interviews on business debt relief and Merchant Cash Advance restructuring. Insights for business owners and operators – explore evidence-based strategies and real world results delivered for businesses just like yours.
SETTLED
DEBT CASES
We Know Debt
Proven Debt
Relief Strategies
Real World
Results
Articles, news, and interviews on business debt relief and Merchant Cash Advance restructuring. Insights for business owners and operators – explore evidence-based strategies and real world results delivered for businesses just like yours.
SETTLED
DEBT CASES
WE ARE TRUSTED
VOICES IN DEBT
MANAGEMENT
STRATEGY
Delancey Street isn’t just solving debt problems — we’re shaping the conversation around them. Our founders and expert advisors are regularly featured in national media, invited to speak at industry events, and brought into boardrooms by major corporations seeking insight on complex debt, financial risk, and restructuring strategy.
From navigating high-stakes merchant cash advances to protecting business reputation during a downturn, our team’s rare perspective — having operated on both sides of the lending table — makes us a trusted authority in moments that matter. When businesses or journalists need clarity on the evolving debt landscape, they call Delancey.
WE ARE TRUSTED VOICES IN DEBT MANAGEMENT STRATEGY
Delancey Street isn’t just solving debt problems — we’re shaping the conversation around them. Our founders and expert advisors are regularly featured in national media, invited to speak at industry events, and brought into boardrooms by major corporations seeking insight on complex debt, financial risk, and restructuring strategy.
From navigating high-stakes merchant cash advances to protecting business reputation during a downturn, our team’s rare perspective — having operated on both sides of the lending table — makes us a trusted authority in moments that matter. When businesses or journalists need clarity on the evolving debt landscape, they call Delancey
Few Insights on Common Inquiries
Can you stop the daily/weekly ACH drafts right away?
Yes, we can help you stop those crushing daily and weekly ACH drafts that are bleeding you dry. While the actual bank process takes 3 business days, Delancey Street immediately begins negotiating with your lenders to convert those predatory payment schedules into manageable monthly payments.
Â
Here’s what we do:
Â
We know that daily and weekly ACH drafts from merchant cash advances and other high-frequency lenders can destroy your cash flow. These lenders deliberately structure payments this way to maintain control over your finances. We step in as your advocate to break this cycle.
Â
Our team immediately contacts your lenders to negotiate a complete restructuring of your payment terms. Instead of daily or weekly drafts that make it impossible to run your business or manage your finances, we negotiate for reasonable monthly payments that align with your actual cash flow.
Â
While we’re negotiating these new terms, we’ll also help you place stop payment orders with your bank (requires 3 business days notice) to halt the current devastating payment schedule. We handle all the paperwork and coordination with both your bank and your lenders.
Â
The key difference when you work with Delancey Street: We don’t just stop the payments – we replace them with something sustainable. Our experienced negotiators know these lenders take us seriously because we’ve successfully restructured millions in debt. They know when they see our name that we mean business.
Â
We typically achieve:
- Conversion from daily/weekly to monthly payments
- Significant reduction in payment amounts
- Extended payment terms that give you breathing room
- Elimination of predatory fees and penalties
Can you prevent lawsuits, judgments, or UCC lien enforcement — and what if there’s a confession of judgment?
Yes, we can often prevent these legal actions, but timing is critical. The sooner you contact us, the more options we have to protect you.
Â
Preventing Legal Action:
When creditors work with Delancey Street, they typically pause all legal proceedings because they know we’re serious about reaching a resolution. We’ve resolved tens of millions in debt, and creditors recognize that working with us is more profitable than pursuing expensive litigation. Our immediate intervention usually stops:
- New lawsuits from being filed
- Existing lawsuits from moving forward
- UCC liens from being enforced
- Bank account freezes and asset seizures
Confessions of Judgment – The “Secret Weapon” We Can Fight:
Confessions of judgment are particularly predatory. These allow lenders to get a judgment against you without even telling you there’s a case. If you signed one (common with merchant cash advances), you’ve essentially waived your right to defend yourself in court.
Here’s what we do: Even with a confession of judgment in place, we have strategies to protect you. Our founding partner, Steven Raiser, is an attorney who knows how to challenge these aggressive tactics.
Â
We can:
- Negotiate to vacate the judgment in exchange for new payment terms
- Challenge the confession if it wasn’t properly executed
- File motions to stop enforcement while we negotiate
- Convert the judgment into a manageable settlement
If Legal Action Has Already Started:
If you’ve already been sued or had a judgment entered, we immediately step in to:
- Contact opposing counsel to halt further proceedings
- Negotiate settlements for significantly less than the full amount
- Structure payment plans that won’t destroy your business
- Prevent marshal enforcement and asset seizure
- Stop wage garnishments and bank levies
Why Creditors Listen to Us:
Unlike other debt relief companies, we have attorneys on our team who can escalate legally when needed. Creditors know that when Delancey Street appears on a file, we’re prepared to fight aggressively for our clients. They often prefer to settle reasonably with us rather than face our legal challenges.
Â
How much can you realistically reduce my payment and total balance, and over what term?
We typically slash monthly payments by 50-80% or more. Every situation is unique, but here’s what we realistically achieve for most clients:
Â
Payment Reduction – Immediate Relief:
If you’re currently paying $10,000/week in merchant cash advance payments, we often get that down to $3,000-5,000/month. That’s a massive difference in cash flow. We’ve seen clients go from:
- $2,000 daily ACH drafts → $8,000 monthly payments
- $15,000 weekly payments → $10,000-15,000 monthly payments
- Multiple daily sweeps → Single consolidated monthly payment
Realistic Terms:
We typically negotiate payment terms of:
- 12-36 months for merchant cash advances and business debt
- 24-48 months for larger commercial obligations
- 36-60 months for mixed consumer and business debt
The key is structuring payments that match your actual revenue. We don’t just pick arbitrary terms – we analyze your cash flow and create a plan you can actually complete.
Â
Why Our Reductions Are Better:
Unlike debt relief companies that make wild promises, our reductions stick because:
- We have attorneys who can challenge the legal validity of predatory contracts
- Creditors know we’ll fight confessions of judgment and UCC liens
- We’ve successfully restructured tens of millions – creditors take us seriously
- We get everything in writing before you pay a dime
Factors That Affect Your Reduction:
Your specific reduction depends on:
- Type of debt (merchant cash advances typically see bigger reductions than bank loans)
- How far behind you are (counterintuitively, being behind can mean better settlements)
- Creditor aggression level (the nastier they are, the more we can often reduce)
- Your actual ability to pay (we use financial hardship to negotiate deeper cuts)
Real Example:
Recent client had $850,000 in merchant cash advances with daily payments of $4,200. We settled everything over 24 months at $14,000/month.Â
Â
The Bottom Line:
Don’t expect miracles, but do expect massive relief. We turn impossible situations into manageable ones. Most clients save hundreds of thousands of dollars and finally get their business back on track.
Â
How long does a restructure or settlement take from intake to first reduced payment?
You can see relief in as little as 7-14 days, with most clients experiencing dramatically reduced payments within 30 days. Here’s the realistic timeline:
Â
Immediate Relief (Days 1-3):
- Within 24 hours of signing with us, we notify all your creditors that we represent you
- Creditors typically pause collection calls and threats immediately
- We begin preparing stop payment orders for your current devastating daily/weekly ACH drafts
- You get your first full night’s sleep in months knowing we’re handling everything
Â
Fast Action Phase (Days 3-14):
- We send formal representation letters to all creditors
- Stop payment orders take effect (remember: 3 business days required by banks)
- Daily/weekly ACH drafts stop hitting your account
- We initiate aggressive negotiations with each creditor
- Many merchant cash advance companies agree to preliminary payment suspensions while we negotiate
Â
Negotiation Sprint (Days 14-30):
- First settlements typically reached with most aggressive creditors
- New payment terms established – usually monthly instead of daily/weekly
- You make your first reduced payment under the new structure
- Cash flow immediately improves as you’re no longer hemorrhaging money daily
Â
Full Resolution (Days 30-90):
- All creditors brought into settlement agreements
- Payment plans fully structured and documented
- Everything in writing before you pay
- Business stabilized with manageable monthly payments
Â
Why We’re Faster Than Others:
Creditors know Delancey Street means business. We don’t waste time with lowball offers or endless back-and-forth. We come in strong, present realistic settlements, and get deals done. Our reputation for following through means creditors often fast-track negotiations with us.
Â
Factors That Affect Speed:
Â
Faster resolution (7-14 days) if:
- You’re already in default
- Creditors are threatening legal action (they want to avoid court too)
- Merchant cash advances eating you alive (they prefer quick settlements)
- You have clear financial hardship we can document
Â
May take longer (30-45 days) if:
- Multiple creditors with different agendas
- Existing judgments that need to be vacated
- UCC liens requiring legal challenge
- Creditors initially resistant to negotiation
Â
What You Can Expect:
Most clients tell us the immediate relief is life-changing. Instead of waking up every day knowing thousands are being sucked from your account, you wake up knowing:
- The bleeding has stopped
- Professional negotiators are fighting for you
- Your first manageable monthly payment is weeks away, not days
- Your business can actually function again
Â
Critical Timing Note:
Don’t wait for the “perfect time” to start. Every day you delay means:
- More money drained from daily/weekly ACH drafts
- Less negotiating leverage as balances grow
- Higher risk of judgments and legal action
- More damage to your business’s survival chances
Â
MEET OUR LEADERSHIP
Behind every Delancey Street strategy is a real expert with real credentials — not a call center script. Our team includes attorneys, negotiators, and debt industry veterans who’ve been on both sides of the table. Click through to meet the people who will personally handle your case, advocate for your business, and work relentlessly to get you the results you deserve.
Vinay Metharamani
Chief Executive Officer &
Co-Founder
Steven M. Raiser, Esq.
Founding Partner &
Chief Legal Officer
Colton Schnall
Chief Operating Officer &
Co-Founder