Business Debt Relief

Running a small business is hard enough without debt weighing you down. Whether you’re struggling with merchant cash advance payments, SBA loans, or traditional business loans, you have options.

Merchant cash advance traps — Daily or weekly debits are draining your cash flow, and stacked MCAs are creating chaos in your finances.

Business loan payments you can’t afford — Rising costs and declining revenue have made your monthly payments unmanageable.

Personal guarantee fears — You signed a personal guarantee and are worried about losing personal assets if your business can’t repay the debt.

Bank loans in collections — Your business loan has been sent to collections, and creditors are calling constantly.

Frozen bank accounts — A creditor has frozen your business or personal accounts, and you can’t access your funds.

Lawsuits and judgments — You’re being sued for breach of contract, or a creditor has already obtained a judgment against you.

Your business can still recover. Our law firm has helped thousands of business owners negotiate with MCA and other business lenders to resolve their debt and get back on track. We understand the unique challenges of business debt — including MCAs, SBA loans, credit card debt, institutional debt, and many with personal guarantees.

We don’t just negotiate — we use every legal tool available to protect your business, your personal assets and credit, and pay the creditor fairly.

Effective Debt Negotiation & Settlement

We negotiate directly with your creditors to reduce your total debt, often settling for significantly less than the original balance. Our attorneys understand business debt contracts and use that knowledge to achieve the best possible outcome for you.

Stop Creditor Contact With You

Once you’re a client, we will handle all communication with creditors. We know you might be receiving threatening calls, emails, or harassment from debt collectors and creditors. We want you to focus on your business while we handle the debt collectors and your creditors.

Strong Lawsuit & Judgment Defense

If a creditor sues you for breach of a business contract or has obtained a judgment against you, our legal team will review the paperwork and case history for weaknesses and defenses to be used in your Court case. As a business litigation-focused law firm, we regularly and successfully defend clients and their businesses against MCA creditors and other business creditors in Court. We know your rights under the law.

Personal Guarantee Protection

If you signed a personal guarantee, your personal assets, including bank accounts and property, may be at risk from litigious and aggressive debt collectors. We know how important it is to shield you and your personal assets from wage garnishment, bank levies, and asset seizure during the process of resolving the debt. Limiting your personal exposure is a key factor in the process’s success.

UCC Lien Defense

MCA creditors can file UCC liens and contact your clients directly to claim monies owed to you. This process can interfere with your customers’ payments to you and can seriously impact your cash flow. We can challenge improper UCC filings, negotiate UCC lien releases, and work with you to protect your revenue stream. We want you to stay in business, and taking your money is a common creditor tactic you need proper legal protection from.

Bank Account Unfreezing

If a creditor has frozen your business or personal bank accounts, immediate action is necessary to unfreeze them. Funds held in those accounts can delay regular bill payments and deny you access to your money. Once the bank account is frozen, you need to act quickly to get help to keep your business running.

Our business debt attorneys have experience with all types of business debt:

Merchant Cash Advances (MCAs)

MCAs can quickly spiral out of control with daily debits, numerous stacked advances, and aggressive collection tactics. MCAs can easily take down a business, but with the right help from our firm, you can expect our team to negotiate MCA settlements, challenge improper UCC liens, and defend against COJ and Court actions that can end with judgments.

SBA Loans

Whether you’re struggling with an EIDL, 7(a) loan, or other SBA-backed financing, we discuss your options and guide you through ever-changing government programs and collection activity. We’ve helped other clients negotiate with the SBA and the Treasury Department to resolve their SBA debt.

Commercial Loans & Bank Loans

Whether your business loan is with a major bank like Chase, Citibank, or Bank of America, or with an alternative lender like a collection agency or law firm, we have worked with them all to help our clients gain control over their debt. Our strategy has helped thousands negotiate settlements and defend against collection efforts.

Business Lines of Credit

When your business line of credit becomes unmanageable, the solution is to find the best help to navigate the challenges of business debt. Payment plans and settlements for less than what’s owed are possible with business debt– you just need the right people on your side.

Business Credit Cards

Business credit card debt often comes with personal guarantees. You can’t get out of paying, and you’re not sure what to do, even though your business is closed or struggling. Our team can work with your creditors to mitigate any impact from not paying your business credit card bills. Just call today to find out how we can help you.

Equipment Financing & Vendor Debt

We help resolve debt from equipment loans, vendor financing, and other business obligations.