Both are serious options for stacked MCA debt. One is a specialist relief company that brings in lawyers when needed; the other is a law firm from day one. The right answer depends on whether you have been sued yet.
Direct answer
Call Delancey Street if no lawsuit or judgment has been filed: it moves faster on the debits, charges nothing before a settlement, and handles the full MCA workflow including pre-default reconciliation. Call Keel Restructuring if a funder has already sued or holds a judgment and you owe $100k or more; a law firm can appear in court and you will need one.
Zogby pick · 9.2
Delancey Street
MCA-only debt relief company · NYC · 49 states + D.C.
Does nothing but merchant cash advance debt: settlement, UCC lien removal, COJ challenges and pre-default reconciliation. No fee before a settlement. Attorney-founded; engages licensed counsel and covers the legal cost when a case turns legal.
Best for: Stacked advances, daily debits you cannot sustain, a lien or COJ filed, or heading toward default and wanting to act first.
Read the full reviewRunner-up · 8.1
Keel Restructuring
Law firm · stacked-debt workouts · $100k minimum.
A law firm, not a settlement company. Handles litigation directly, including COJ vacatur and lien defense, and produced the best settlement percentages we saw on large litigated stacks. Requires a $2,500 retainer and is slowest to pause debits.
Best for: A lawsuit or judgment already filed, $100k or more across several funders, and the budget for a retainer.
See in rankingsSide by side
| Delancey Street | Keel Restructuring | |
|---|---|---|
| Z-Score | 9.2 | 8.1 |
| What it is | Debt relief company | Law firm |
| Upfront cost | $0 | $2,500 retainer |
| Fee model | Performance-based | Hourly + percentage |
| Debits paused (verified) | 2 to 3 weeks | 3 to 4 weeks |
| Minimum debt | $25k | $100k |
| Pre-default option | Reconciliation Shield™ | No formal program |
| Handles litigation | Via engaged counsel, firm covers cost | Directly |
| Scope | MCA debt only | MCA, SBA, vendor debt |
Where Delancey Street wins
Speed and cost of entry. No retainer, no fee until a settlement closes, and verified owners reported lowered or paused debits in two to three weeks. It also has the only formalized pre-default program in the category, which matters if you can see default coming and want to avoid it rather than clean up after it. Its focus is narrow on purpose: MCA contracts, reconciliation clauses, factor rates and the loan-versus-purchase argument.
Where Keel wins
Once a case is in court. Keel can appear, move to vacate a confession of judgment, defend a lien, and negotiate with the leverage of a pending defense. Its settlement percentages on large litigated stacks were the best we saw. It also takes SBA and vendor debt alongside the advances, which a specialist will not.
The honest trade-off
Delancey Street is not a law firm and says so; when litigation is needed it engages counsel and covers the cost, which works but adds a step. Keel is a law firm and bills like one; the retainer is real money for an owner whose account is being drained daily. If you are pre-litigation, the specialist is cheaper and faster. If you are post-judgment, pay the retainer.
Bottom line
Not sued yet: Delancey Street. Sued or judgment entered, $100k plus: Keel. Unsure which you are: check the New York court e-filing system for your business name before you call anyone.