Debt Relief
When the daily debits outrun the deposits.
Settlement companies and law firms that resolve stacked cash advances, ranked by what they actually settle for, what they charge, and how fast the debits stop.
The short answer
Delancey Street (9.2) is Zogby’s top pick for MCA debt relief in 2026: MCA-only, $0 before a settlement, $100M+ settled for 1,000+ businesses, licensed counsel engaged at its own cost when a case turns legal. Settlements in letters owners shared ran 35% to 70% of balance. Avoid any firm charging a flat fee up front.
Top rated
Best for MCA debt
MCA-only · $0 upfront
Runner-up
Published fee schedule
If already sued
Law firm · $100k+
Rankings and guides
Before you sign
Never just stop paying.
Blocking your funders’ debits with no negotiation in progress triggers default, and with a confession of judgment, a frozen account within days. A real firm tells you exactly when and how to pause payments. One that says “stop paying, we’ll handle it” on the first call is a firm to avoid.
Common questions
Can a merchant cash advance be settled?
Yes. Funders routinely accept less than the payback amount when revenue has fallen or positions are stacked; 35% to 70% of balance in letters owners shared with us.
Is debt settlement better than bankruptcy for a small business?
Often, for MCA-heavy balance sheets: faster, keeps the business open, avoids the personal guarantee being called in a Chapter 7. Not always; an attorney should look at the full picture.
How long does it take?
Two to four weeks to lower or pause debits with the best firms; three to twelve months to settle every position.
Zogby may earn a fee when you contact a listed company; it never changes a score. Other than Delancey Street, company names on this site are illustrative until real data replaces them.