Saving Businesses

Our program is best suited for business owners:

• That cannot afford their existing debt payments but want to pay them off at a pace they can realistically afford.
• Who need to protect their assets from aggressive and secured creditors but do not want to file for bankruptcy.
• Who do not want to go deeper into debt by borrowing again at high, unsustainable rates.

Basically, we take a large amount of unaffordable debt and make it affordable to you. We take what you can afford monthly, call that your budget, and use it to negotiate with the creditors you submit. We do this by offering settlements ranging from pennies on the dollar to payment in full. There are no time limits for settlements. Some creditors may settle after receiving our first set of offers, and others may be resolved later. Our goal is to offer affordable repayment terms that fit within your budget, in part by stretching your repayment terms over time. Most importantly, you can refer harassing calls from collection agencies and attorneys to us so you can get back to work.

All types of business debts, including cash advances, credit cards, suppliers, loans, and leases. We also routinely settle lawsuits, judgments, and secured debts, even with personal guarantees.

We do not promise any specific outcomes, but clients who completed our program paid back 89% of their debt over 35 months on average. That included the cost of our services.

Our clients usually finish the program between 2 and 4 years, sometimes faster, sometimes slower. The more you pay monthly, the faster you get out of debt. That said, we encourage clients to use as little of their precious cash flow as possible, because when cash flow is tight it is better to commit to paying back less than more. If cash flow improves, you can always pay more and get out of debt faster.

As our client, you will have 24/7 access to the latest information about your restructuring through our secure website. Your dashboard gives you over a dozen reports on your account.

There you will be able to review current account information including:

• The background and experience of your restructuring team.
• A comprehensive creditor report detailing the status of negotiations and settlements with your creditors, including the most recent settlements we have made.
• Your monthly transaction statement, which shows where every penny of yours is going.
• Your rate of funding: the average monthly rate you have paid back toward your debts, the amount you have funded, the gross debt in the program, and how long you have been in the restructuring.
• Your funding progress: the consistency of your funding over the previous 12 months, shown graphically.
• Payments scheduled for creditors: which creditors are due to be paid under the new settlement terms.
• Needed documentation: the timely information we need from you in order to resolve your debt.
• Net savings and net cost: how much we have reduced your debt by, compared with the cost of our services.
• The finish line: how much debt you have left and how long it will take to pay it off.

The truth is that clients may have to temporarily sacrifice their credit score to save their business. Whether they are in our program or not, their credit score will decline if they do not pay their debts on time. Our goal is to get them out of debt with payments they can actually afford so they can save their business and continue to provide for their families.