Commercial Debt Resolution, matched to your creditor mix
Before Business Bankruptcy connects owners with partner firms that negotiate directly with creditors, MCA funders, and commercial lenders. The right approach depends on your balances, revenue, and documents. A consultation tells you what's realistic.
What we work with
- •Daily debit reduction or pause
- •Settlement at 30-60% of balance
- •UCC lien release coordination
- •Personal guarantee negotiation
- •Hardship program enrollment
- •Settlement negotiations
- •Payment plan structuring
- •Interest rate reduction
- •Draw freeze management
- •Settlement at discount
- •Payment plan negotiation
- •Default resolution
- •Payment term extension
- •Settlement negotiation
- •Relationship preservation
- •Future terms discussion
- •Forbearance agreements
- •Loan modification
- •Settlement options
- •Guarantee negotiation
- •Levy prevention
- •Settlement negotiation
- •Payment plan structuring
- •Lien satisfaction
How we work
We don't take over your business. We don't buy your debt. We don't charge upfront fees. We work alongside you—and your existing attorney if you have one—to negotiate with creditors on a contingency basis.
Most negotiations conclude within 60-90 days. Settlement payments are typically structured over 3-12 months depending on your cash flow.
We handle one creditor or twenty. MCA-only cases or mixed commercial debt. Active lawsuits or pre-default workouts. The approach is the same: understand the full picture, negotiate from strength, document everything.
What we don't handle
- •Personal credit cards, auto loans, mortgages, student loans
- •SBA loans (we refer out)
- •Real estate debt secured by property
- •Tax debt (we refer to specialists)
Qualification takes 15 minutes
No credit check
Your credit score is not pulled during initial qualification.
Confidential review
Your information is handled with strict confidentiality protocols.
Clear documentation
We explain every step and required document upfront.
Fast response time
A specialist will respond during business hours, typically within one business day.
Intake line
(714) 793-9393Business Hours
Mon–Fri, 9am–6pm ET
Response Time
Under one business day
Consultation
15 minutes, no obligation
No fees discussed on this page per federal telemarketing rules. Partner-firm fees are disclosed in writing during a qualified consultation.