Reduce Your Business Debt Up to 60% Without Bankruptcy
Michigan Business Advocates helps Michigan businesses negotiate with creditors in 30-90 days - immediate relief from creditor calls and harassment
Immidiate creditior Intervention
Average 40-60% debt reduction
100% Confidential
No bankruptcy required
How We Help You With Restructuring Of Your Business Debt
Here is how we restructure your debt without bankruptcy in 4 steps.
1
We learn about your business and finances
- We review, verify, and document your profit and loss AND assets and liabilities reports with special focus on all loans, terms, and due dates.
- We study your business trends and understand what they mean to you – and your creditors.
- We discuss you upcoming plans and expectations.
2
We set a negotiating strategy for negotiating with creditors. For Ex:
- Are we disputing their facts and claims?
- Are we warning them of possible financial failure?
- Are we appealing to them regarding the benefit of continued future business?
- What is their financial status and strategy?
3
We handle all creditor communications and secure the best deal.
- We contact creditors (or their attorneys) with your authorization.
- We conduct professional negotiations using proven strategies.
- We secure tentative settlements with favorable terms.
- We ensure both you and creditor agree before finalizing.
4
We are finalizing the agreement and protect your future
- Deposit paid to the creditor as agreed.
- The case was conditionally released by the court.
- Full release obtained once payment terms are complete.
- Your business moves forward debt-free.

Some Hard Numbers About Debt Restructuring
If this is your life, you need help NOW. Every day you wait, penalties and interest compound.

67% of businesses fail within 10 years due to cash flow/debt issues.
Average business debt in Michigan: $195,000.
Personal guarantees mean you can't just walk away.
Bankruptcy stays on record for 7-10 years.
Cut debt 60% this month OR lose everything to creditors
We negotiate settlements that save your business. No bankruptcy. No drama. Just 40-60% less debt.
Your choice: Manageable payments OR sheriff's auction.
The Daily Reality of Overwhelming Debt
Is business debt destroying your life? Are you facing similar problems due to debt?
1
Can't sleep anymore
Waking up at 3 AM thinking about which bills to pay. Checking your bank balance hoping money magically appeared.

2
Scared to answer your phone
Your phone rings – another creditor. You let it go to voicemail. Again. Your staff notices you’re avoiding calls.
3
Dread checking the mail
Certified letters you’re afraid to open. Legal threats getting more aggressive. “10 days to respond or else…
4
Constantly robbing one to pay another
Paying whoever screams loudest. Using credit cards to make loan payments. Running out of options and people to borrow from.
5
Family doesn't know how bad it is
Your spouse asking “How bad is it?” and you lying. Missing family events to work more hours that don’t fix the problem. Health issues from constant stress.
Start Your Debt Relief From Today
Getting start is simple. Book a free consultation now and start debt restructuring today.
1
Free confidential consultation (30 minutes)
- Review your debt situation
- Assess restructuring
- potential
- Explain your options honestly
- No pressure, no judgment
2
Debt analysis and strategy (If you proceed)
- Comprehensive debt review
- Create negotiation strategy
- Set realistic expectations
- Begin creditor contact
3
Active negotiation phase
- We handle ALL creditor communication
- Weekly updates on progress
- You focus on running your business
- Typically 30-90 days
4
New Beginning
- Manageable payment plans
- Breathing room to rebuild
- Ongoing support available
- Your business survives and thrives

Cut debt 60% this month OR lose everything to creditors
We negotiate settlements that save your business. No bankruptcy. No drama. Just 40-60% less debt.
Your choice: Manageable payments OR sheriff's auction.
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.

Frequently Asked Questions
Common question about debt restructuring in Michigan
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.
Cut debt 60% this month OR lose everything to creditors
We negotiate settlements that save your business. No bankruptcy. No drama. Just 40-60% less debt.
Your choice: Manageable payments OR sheriff's auction.