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Debt Relief Blog

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Long-form essays on MCA defaults, COJs, UCC liens, SBA workouts, and the evolving legal landscape.

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In the Media

What they're saying

Featured
MCA Tactics · March 14, 2026 · 4 min read

The full anatomy of a confession of judgment — and exactly how to vacate one

COJs are designed to feel inevitable. They're not. Here's the procedural roadmap our legal team uses to vacate judgments and unfreeze accounts — including the three filing errors that kill 80% of MCA-filed COJs.

DE
Delancey Editorial
Delancey Team
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HOW

MCA Tactics
March 8, 2026
How factor rate compounds when you stack: the math your funder doesn’t want you to do
Three small advances at "1.4 factor" become a single number that no business can outrun. The arithmetic, with realistic examples.
DE Delancey Editorial

THE

SBA Loans
March 1, 2026
The 60/30/10 framework for SBA Offer-in-Compromise approvals
Why most SBA OICs fail before they leave your CPA's desk — and the three-bucket prep work that actually moves the needle.
DE Delancey Editorial

WHY

Cash Flow
February 22, 2026
Why “I just need 90 more days” is the most expensive sentence in business finance
Bridge-thinking is what gets owners stacked. The data on what 90-day extensions actually cost — and the alternative that doesn't compound.
DE Delancey Editorial

UCC-1

Legal
February 14, 2026
UCC-1 enforcement: what funders can and cannot legally freeze
A perfected UCC-1 is leverage, not a license to drain your accounts. The map of what's actually enforceable, and how to push back.
DE Delancey Editorial

READING

MCA Tactics
February 7, 2026
Reading your MCA contract: the 7 clauses that actually decide your settlement leverage
Most owners never read the contract until trouble hits. By then they've missed the parts that matter most. The seven sections to read first,…
DE Delancey Editorial

WHY

Industry
January 30, 2026
Why “consolidation” loans are usually a fourth MCA wearing a suit
Brokers selling consolidation almost always sell the same product with new packaging. How to spot the substitution — and why the math fails the…
DE Delancey Editorial

THE

Cash Flow
January 23, 2026
The 13-week cash flow forecast every workout starts with
A working spreadsheet beats every story you'll tell yourself. The five-row model we use to design every Delancey workout.
DE Delancey Editorial
Insights

Top questions

What is business debt settlement?
A negotiation process where a business resolves its commercial debts (MCAs, SBA loans, equipment finance, lines of credit) for less than the full amount owed, typically by demonstrating financial hardship. Distinct from bankruptcy, settlement is a private contractual agreement.
Is it the same as Chapter 11?
No. Chapter 11 is a court-supervised reorganization. Settlement is a private negotiation, faster, less public, and usually cheaper. We sometimes refer clients to Chapter 11 when the math favors it.
Will it ruin my credit?
Defaulted accounts are reported regardless of whether they are settled or not. Settlement actually shortens the period of damage by closing the account.
How long does it take?
Every case is different. Timelines depend on the number of positions, whether litigation is filed, and how each creditor responds. We do not publish averages because publishing one would set an expectation we cannot honor for every business. We give you a written, case-specific timeline at the end of the first call.
What does it cost?
Our fee is a percentage of your total enrolled debt. We tell you exactly what we'll charge in writing before any work starts.
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