Reduce Your Business Debt Up to 60% Without Bankruptcy

Why Michigan Businesses Trust Us

Why You Will Choose Us:

We have been there: Our founder went through business struggles personally. We understand the shame, fear, and sleepless nights.

No judgment: You're not a bad person. You're a good business owner in a bad situation. We're here to help, not lecture.

Proven process: 30+ years negotiating with Michigan creditors. We know what works.

You're protected: Attorney partnerships ensure legal compliance while we handle negotiations.

Guaranteed satisfaction: If we can't reduce your debt significantly, you pay nothing.

• What is business debt restructuring?

  Business debt restructuring is the process of negotiating with creditors to modify loan terms, reduce principal balances, lower interest rates, or extend payment schedules. Unlike bankruptcy, it’s private and allows you to keep operating your business while making payments manageable.

• How much can debt restructuring reduce my payments?

  Most Michigan businesses see payment reductions of 40-60%. The exact amount depends on your debt types, creditor relationships, and financial situation. We’ve negotiated reductions as high as 75% in some cases.

• How long does debt restructuring take?

  Initial creditor contact happens within 24-48 hours, stopping harassment immediately. Most restructuring completes within 30-90 days. You’ll see first payment relief within 30 days typically.

• Will debt restructuring hurt my credit?

  Less than bankruptcy. While some creditors may report settlements, you avoid the 7-10 year bankruptcy mark. Many clients rebuild credit within 12-18 months after restructuring.

• What's the difference between debt restructuring and debt consolidation?

  Debt consolidation combines multiple debts into one new loan. Debt restructuring reduces what you actually owe through negotiation. Restructuring typically saves much more money.

• Can you restructure SBA loans?

  Yes. While SBA loans are government-backed, they can be restructured through offer in compromise or payment modification programs. We’ve successfully restructured hundreds of SBA loans.

• Do I need to be behind on payments to restructure?

   No. It’s actually better to restructure before defaulting. Being current gives you more negotiating power and options.

• Can I restructure merchant cash advances (MCAs)?

  Yes, MCAs are one of the most common debts we restructure. Despite their predatory terms and daily payments, we negotiate with MCA companies to convert them to manageable monthly payments, often reducing the total owed by 30-50%.Content goes here ..

• What happens if creditors won't negotiate?

  Most creditors will negotiate because they know bankruptcy means getting pennies on the dollar. If a creditor refuses, we have strategies including demonstrating financial hardship, involving attorneys, or restructuring other debts to free up funds for stubborn creditors.

• Can I keep my business equipment during restructuring?

  Yes, in most cases. We negotiate to keep essential equipment while restructuring the loans. Creditors prefer getting paid over repossessing equipment they’ll sell at a loss. We’ve helped clients keep everything from manufacturing equipment to company vehicles.

• Do you negotiate with the IRS for tax debt?

  Yes, we help set up IRS payment plans, negotiate offers in compromise, and request penalty abatements. While tax debt can’t be “forgiven” like private debt, we can make it manageable and stop aggressive collection actions.

• What if I have multiple business locations?

  We restructure debt across all locations, often negotiating better terms by showing the full picture. Sometimes we can use stronger locations to support weaker ones in negotiations, creating an overall sustainable payment plan.

• Can creditors still sue me during restructuring?

  Once we contact creditors and begin negotiations, most pause legal action. They prefer negotiated settlements over expensive litigation. If lawsuits are already filed, we work to settle them as part of the restructuring process.

• What documents do I need for debt restructuring?

  Basic requirements include: recent bank statements, profit/loss statements, list of all debts with balances and terms, tax returns, and major asset documentation. Don’t worry if you’re missing items – we help gather what’s needed.

• Is debt restructuring confidential from my customers and employees?

  Absolutely. Unlike bankruptcy which is public record, debt restructuring is private. Your customers, employees, and competitors never need to know. We can act as your “financial advisors” if anyone asks about our involvement.