Whether you're facing creditor escalation, merchant cash advance traps, or personal guarantee exposure — there are options most business owners don't know exist. The earlier you act, the more tools are available to protect what you've built.
Get Your Free Case ReviewMany business owners wait too long — often because they don't know what options exist. The earlier you engage, the more tools are available.
If any of these sound familiar, it may be time to explore your options before creditors force the issue.
Revenue is coming in, but it's not enough to keep up with loan payments, vendor invoices, and payroll. You're constantly robbing Peter to pay Paul, and the margin is getting thinner every month.
You're receiving demand letters, collection calls, or threats of lawsuits. Creditors are losing patience and may be preparing to escalate — which can result in frozen accounts, liens, or judgments.
You signed personal guarantees on business loans or leases. If the business can't pay, creditors can come after your personal assets — your home, savings, and retirement accounts.
You're thinking about closing the business because the debt feels insurmountable. But shutting down without a strategy can actually make your situation worse — especially with personal guarantees in play.
You took one MCA to cover a gap, then another to cover the first. Now daily or weekly withdrawals are draining your account before you can cover basic operating expenses. The cycle is accelerating.
Vendors are demanding cash on delivery or reducing your credit terms. This signals that your financial distress is becoming visible to the market — and it can trigger a downward spiral quickly.
Typical unsecured debt settlement range, depending on creditor, age of debt, and negotiation strategy.
When options start narrowing. The longer you wait, the fewer strategies remain available to resolve your situation.
Your situation is never shared. Every consultation and case detail is held in complete confidence throughout the process.
No cost and no obligation to get a professional assessment of your debts, contracts, and available options.
Every situation is different. The right strategy depends on the types of debt, the creditors involved, and your business goals. Here are the tools available.
Negotiate directly with creditors to settle unsecured debts for significantly less than what's owed — typically 40–70 cents on the dollar. Most settlements resolve within 6–12 months when handled by experienced attorneys.
Work with creditors to extend payment terms, reduce interest rates, or modify loan structures — allowing the business to continue operating while bringing debt to manageable levels over time.
SBA loans have specific resolution channels most business owners don't know about. Licensed professionals can negotiate Offers in Compromise with the SBA to reduce your total liability — often substantially.
Restructure your business debts under court protection while continuing to operate. Chapter 11 allows you to propose a repayment plan that creditors vote on — often resulting in reduced total obligations.
A state-law alternative to federal bankruptcy that allows an orderly wind-down or asset sale under the supervision of an independent assignee. Faster, less expensive, and avoids the stigma and complexity of bankruptcy court.
If you signed personal guarantees on business debts, your personal assets may be at risk. Licensed attorneys can negotiate the separation of business and personal liability — or settle the guarantee for less than face value.
Most business owners think their situation is worse than it actually is. Once we lay out the options, they realize there's a real path forward — they just didn't know it existed.
— Advisory Team
We examine your contracts, debts, and overall financial position to understand the full picture. No cost, no obligation — just a clear-eyed assessment of where things stand.
If you choose to move forward, a small investigation fee applies so licensed professionals can conduct a detailed evaluation of your debts, contracts, and financial position.
Based on the investigation, your team outlines the best path — whether that's negotiate, restructure, settle, or pursue a formal legal remedy. You decide how to proceed.
All creditor communication, negotiation, and legal work is handled by licensed attorneys on your behalf. You stay informed without carrying the burden of direct confrontation.
Final agreements are documented, debts are resolved according to the strategy, and you receive clear guidance on next steps to rebuild and move forward.
Settling debt for less than the full amount can impact your credit score in the short term. However, for many business owners, the alternative — continued missed payments, lawsuits, or judgments — causes far more damage over time. A licensed professional can help you weigh the tradeoffs based on your specific situation.
Yes, creditors can still pursue legal action while negotiations are underway. However, once a licensed attorney is engaged and communicating with creditors on your behalf, many creditors will pause escalation in favor of a negotiated resolution. Early engagement is key to preventing lawsuits before they're filed.
Personal guarantees are one of the most serious risks business owners face. If you signed a personal guarantee, creditors can pursue your personal assets — including your home, savings, and retirement accounts. Licensed attorneys can negotiate the scope of the guarantee, settle for less than face value, or structure protections to shield your personal assets.
Settlement amounts vary widely depending on the type of debt, the creditor, the age of the debt, and the overall financial picture. Unsecured debts are commonly settled in the range of 40–70 cents on the dollar, but every case is different. We never promise or guarantee specific settlement amounts — outcomes depend on your individual circumstances.
Not necessarily. Many debt relief strategies are specifically designed to keep the business operating while resolving its obligations. Debt restructuring, negotiation, and even Chapter 11 reorganization allow you to continue operations. Closing without a strategy can actually make your situation worse — especially if personal guarantees are involved.
The initial case review is always free. If you choose to move forward, a small investigation fee applies so licensed professionals can conduct a detailed evaluation of your debts, contracts, and financial position. After that review, a separate service fee applies if you decide to officially begin the engagement. All fees are disclosed upfront before you commit. All legal and negotiation work is performed solely by licensed attorneys — not by G1 directly. Outcomes vary by case and cannot be guaranteed.
Answer a few quick questions and our team will reach out — typically within 1–2 business days — to walk through your debts, contracts, and options.