Our verdict
Delancey Street settles business debt and settles nothing else. No credit cards, no medical bills, no consumer side hustle. Merchant cash advances, SBA workouts, vendor balances, credit lines, and the UCC liens that sit underneath all of it, the full inventory of what a distressed operating company owes. The firm has resolved over $100 million of it, most of it MCAs.
On price, they work the way most of this industry works: a percentage of the debt you enroll, disclosed in writing before you sign, with nothing collected in advance. We score that structure below a true performance fee, and we are not going to pretend otherwise on a page that publishes its own rubric. What the fee buys here is different from what it buys at a consumer shop, which is the part that matters.
What separates them from every negotiation-only shop we reviewed: attorneys stand behind the negotiators. Delancey Street isn’t a law firm itself. It coordinates with a nationwide network of licensed attorneys who know where MCA contracts crack: the reconciliation clause the funder never honored, the usurious effective rate dressed up as a "purchase," the defective UCC-1, the confession of judgment signed at 2am. That’s leverage a call center can’t replicate.
And they’re fast. Consumer programs quote 24-48 months. A single-advance Delancey file can resolve in weeks. When the debit hits your account every morning before payroll, the timeline isn’t a detail. It’s the product.
The only firm we evaluated that pairs genuine commercial-debt expertise with real legal capability and moves at the speed this problem demands. Its fee model is the industry standard rather than the best structure on offer, and it still finishes first by a clear margin on the four factors that decide outcomes. Call 212-210-1851. The consultation is free, and if settlement isn’t your answer they’ll say so.