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Miami MCA Defense Lawyers Business Debt Relief

If you run a small business in Miami and are struggling with debt, you may be feeling overwhelmed and not sure where to turn. At Delancey Street, we understand how stressful and confusing business debt can be. Our team of dedicated experts, including attorneys, can provide customized debt relief solutions to help business owners regain financial freedom.

How We Can Help With Business Debt Settlement

Our attorneys and financial experts have years of experience helping small business owners settle tax liens, judgments, bank levies, wage garnishments, and other debts. We take an empathetic, personalized approach to assess your unique situation and then leverage our relationships with creditors to negotiate debt reductions on your behalf.Some of the business debt relief solutions we commonly secure for clients include:

  • Settling business credit card debt for pennies on the dollar
  • Removing wage garnishments so you retain more of your income
  • Releasing bank account levies so you can access your funds again
  • Establishing affordable payment plans for back taxes and judgments
  • Consolidating multiple debts into one lower payment

Our debt specialists handle all negotiations for you. We’ve been able to reduce total business debts by as much as 50-80% in some cases.

Legal Defenses Against MCA Debt Collectors

If you’ve been harassed by merchant cash advance (MCA) debt collectors, our legal team can review your case to identify potential violations of lending laws. There may be defenses available that could invalidate the debt or stop further collection efforts.Some common legal arguments our attorneys use against predatory MCA companies include:

  • Usury violations – In Florida, lenders cannot charge interest rates above 18-25%. MCA rates often exceed this cap.
  • Deceptive sales tactics – If an MCA broker misrepresented terms or failed to properly disclose fees, the contract may not be enforceable.
  • Unconscionability – If an MCA agreement contains unfair, one-sided terms that unreasonably favor the lender, a judge may void the contract.
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Rather than filing an expensive lawsuit, our lawyers work to leverage these violations during settlement negotiations with MCA collectors. We’ve been able to entirely dismiss MCA debts for multiple clients.

Flexible Payment Plans For Ongoing Debt Issues

If you need more time to pay back business debts, we can set up customized payment plans that lower your monthly bills. Our experts will contact each creditor to request:

  • Reduced interest rates to save money over time
  • Extended payment terms so bills are more manageable
  • Alternate payment arrangements tailored to your cash flow

We realize running a small business comes with unpredictable income streams. Our payment plans remain flexible so if an unexpected expense comes up one month, we can adjust your plan without penalty.Throughout the process, you’ll have a dedicated case manager providing ongoing account support. They’ll field all calls from creditors so you can focus on operating your business.

Why Work With Our Business Debt Relief Team?

Delancey Street has provided financial guidance to over 10,000 small business owners nationwide. Our hands-on approach is focused on understanding your unique situation to create a customized debt relief solution.Benefits of partnering with our business debt experts include:

  • Free consultation to review your accounts and create a case strategy
  • No upfront fees – we only collect if/when we secure debt reductions
  • Personal attention from an assigned case manager
  • Attorneys available for legal questions/representation
  • 85% average settlement rate across all debt types
  • Transparent pricing – no hidden costs or surprise fees

We realize money trouble is emotionally taxing in addition to the financial stress. Our staff treats every client with compassion. We know behind every debt is a hardworking business owner who deserves support.

Contact Our Miami Office For A Free Consultation

If you have any business debt concerns, contact our Miami office at 212-210-1851 to schedule a free, no obligation case review. Our team is always available to take your call and walk through potential solutions. We’re here to help you regain financial stability so you can get back to profitably operating your company.

See also  Atlanta MCA Defense Lawyers Business Debt Relief

Frequently Asked Questions

What types of debts do you handle?We can provide debt relief for nearly any type of business debt including credit cards, medical bills, vendors, contractors, collection agencies, old charge-offs, personal guarantees, outstanding taxes, payroll taxes, judgments and liens.What information do you need to get started?To perform an initial case analysis, we need copies of your most recent account statements, details on income/expenses for the business, an overview of any assets, and documentation for any legal actions taken by creditors.Who handles the negotiations?Our experienced debt experts handle all the work of contacting creditors and collectors to negotiate settlements on your behalf. We leverage our relationships and legal resources to reduce debts. Clients can opt to have an attorney directly represent them.Are there tax implications for settled debt?Potentially yes. In some cases, the IRS may classify a portion of a cancelled debt as taxable income. Our tax experts can advise you on any tax reporting requirements to avoid surprises.How long does the process take?Every situation is different based on amount owed, creditor cooperation and other factors. In our experience, we’re typically able to secure some level of meaningful debt reduction within 90-180 days. More complex cases involving legal action may take 6+ months.Can you stop creditor harassment?Yes! Once you enroll with us, we send custom cease and desist letters to creditors and collectors to legally require them to stop contacting you. We handle all account communications to provide complete peace of mind.What results have you achieved for other businesses?We have thousands of successful client stories. A few examples include:

  • Settled $92k in credit card debt for $22k (76% savings)
  • Reduced vendor debt from $250k to $110k (56% reduction)
  • Stopped IRS bank levy to release $40k in frozen funds
  • Got medical debt judgment of $115k dismissed entirely
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Do I have alternatives for debt relief?Yes, the other common options include bankruptcy, debt consolidation loans or DIY settlement attempts. Bankruptcy may negatively impact your business credit for years. Debt consolidation often has high interest rates and fees. DIY settlement is very difficult without legal leverage. We believe our customized, hands-on approach provides the best overall business debt relief results.

More About Delancey Street

Delancey Street was founded in 2021 by a team of financial experts, attorneys and small business owners who saw a need for more compassionate, ethical debt relief services. We focus exclusively on small business accounts to provide the custom, hands-on support that owners need during difficult financial circumstances.Our end-to-end debt relief process not only handles settlements, but also provides clients with financial planning and literacy training so they can build a healthier relationship with money going forward. We believe in treating clients like family – providing both financial and emotional support.In addition to our expert negotiation services, our team includes:

  • Tax attorneys – Help resolve IRS and state tax debts, including liens, levies and wage garnishments.
  • Business lawyers – Review contracts, defend against lawsuits and leverage lender violations.
  • CPAs & auditors – Uncover savings and create more efficient financial processes/reporting.

We understand the nuances that come with running a small business. Our staff has real-world experience with cash flow ups/downs, dealing with creditors and recovering from near financial ruin. We can relate to the stress and uncertainty clients face.At Delancey Street, it’s not just about settling your debts – our goal is to provide complete peace of mind so you can get back to confidently operating your business. We see ourselves as your trusted financial advisor, not just a settlement company. Contact us today to start the conversation and explore your options with no obligations









Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

"Super fast, and super courteous, Delancey Street is amazing"
$500,000 MCA Restructured Over 3 Years
"Thanks for helping me in literally 24 hours"
$250,000 SBA Loan Offer in Compromise
"Great choice for business owners who need a trustworthy partner"
$350,000 MCA Restructured Over 2 Years

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