Services
The practice provides four professional consulting services to small and mid-sized enterprises facing liquidity crisis caused by stacked short-term debt. The service lines are designed to be retained as discrete engagements and, where the matter warrants, sequenced as a complete restructuring program.
The practice is not a law firm and is not a lender. Where a matter requires legal representation, the practice coordinates with state-licensed counsel retained directly by the client.
Creditor Communication Management
When your MCA lender, bank, or vendor calls, we pick up. You do not have to. We become the point of contact for every creditor on your account, so the daily calls, emails, and threatening letters stop hitting your phone.
We do not lie to your creditors and we do not stall them. We give each one a clear picture of where the business is, what is possible, and what timeline we need to work things out. Most lenders prefer talking to a structured contact over chasing a stressed business owner.
- Free intake call
- 30 min
- Account setup
- 1-3 days
- Active communication
- 60-180 days
- Closeout + hand-off
- As reached
Strategic Debt Relief Planning
Before anyone signs a deal with a creditor, you need a plan. We build it.
We look at every loan and every cost in your business. We figure out what the business can really afford each week. Then we lay out the best path forward: who gets paid in full, who gets a discount, who gets more time, and in what order.
- Free review
- 30 min + 5 day analysis
- Written plan delivery
- 2-3 weeks
- Decision call
- 60 min walkthrough
- Hand-off
- Plan is yours
Business Debt Restructuring
If your business has too many loans pulling money out every day, we can combine them into one weekly payment. The lenders agree to it. You stop trying to keep track of six different payment schedules.
This is not a new loan and it is not debt consolidation through refinancing. We do not lend, and we do not put the business deeper into debt. We work with your existing lenders to change the terms on what you already owe.
- Free review
- 30 min + 5 day analysis
- Restructuring plan
- Written, with target weekly amount
- Lender negotiations
- 45-90 days
- New schedule activation
- As agreements close
Alternative to Bankruptcy
When a lawyer tells you to file Chapter 11 or Chapter 7, but the business is still running and still serving customers, you might have another option. We do an honest check first: can the business actually keep operating, or is bankruptcy really the answer?
If a workout makes sense, we combine aggressive restructuring with selective settlement to bring what you owe down to something the business can handle. Equipment stays in service. Customer relationships stay intact. The entity keeps its tax ID, its licenses, and its contracts.
- Free assessment
- 30 min + 5 day analysis
- Workout plan
- Written restructure and settlement sequence
- Active engagement
- 60-180 days
- Stabilization monitoring
- First 6 months post-workout