Our Services
Debt solutions for a wide range of situations
Whether you need breathing room on payments, a negotiated settlement, or a full recovery plan, we build a strategy that matches your circumstances and goals.
What we offer
Six ways we help clients restructure, resolve, and recover from debt
Debt Restructuring
Reorganize what you owe into terms you can actually sustain — adjusted schedules, consolidated payments, and obligations aligned with real cash flow.
Best for: Viable businesses squeezed by payment terms
Creditor Negotiation
We engage your lenders, card issuers, and vendors directly — presenting your situation credibly and negotiating workable arrangements on your behalf.
Best for: Anyone facing pressure from collectors or lenders
Settlement Advisory
Where a negotiated payoff makes sense, we help you pursue reduced-balance settlements — structured properly, documented fully, and closed for good.
Best for: Defaulted or deeply delinquent balances
Financial Recovery Planning
Resolution is only half the job. We build the budget, cash-flow plan, and guardrails that keep you out of trouble once the debt is behind you.
Best for: Life after the workout — staying resolved
Business Debt Workouts
Comprehensive relief for companies juggling merchant cash advances, loans, leases, and vendor balances — one coordinated plan across every creditor.
Best for: Businesses with multiple stacked obligations
Personal Debt Solutions
Individual guidance for credit cards, personal loans, and guarantees — a private, judgment-free review and a plan matched to your income.
Best for: Individuals and households under debt stress
Compare our services
See how the different paths stack up in terms of timeline, what we review, and how involved you need to be
| Service | Best For | Typical Timeline | What We Review | Your Involvement |
|---|---|---|---|---|
| Debt Restructuring | Sustainable payments on viable debt | 2-6 weeks | Debt schedule, cash flow, statements | Moderate |
| Creditor Negotiation | Immediate creditor pressure | 1-4 weeks | Account statements, correspondence | Low — we lead |
| Settlement Advisory | Defaulted or delinquent balances | 4-12 weeks | Balances, hardship documentation | Low — we lead |
| Financial Recovery Planning | Staying resolved after a workout | Ongoing | Income, budget, obligations | Collaborative |
| Business Debt Workouts | Multiple stacked obligations | 4-10 weeks | Full financial picture | Moderate |
| Personal Debt Solutions | Household and personal debt | 2-8 weeks | Income, statements, credit profile | Collaborative |
Timelines are typical ranges, not guarantees — every creditor and situation is different. We set realistic expectations before you commit to anything.
Not sure which approach is right for you?
Our consultants will review your situation and recommend the path that fits — with a clear explanation of why.