Get Information
Educational guides for owners who want to understand the fuller picture before choosing a path, and the operating work that helps the recovery hold.
The Get Information library exists because the toughest debt decisions are made with incomplete information, often alongside advisors who have a product to sell. These guides explain, in plain language and without sales pressure, how each option actually works, where it fits, and where it does not.
Two of these guides, Debt and the Underlying Picture and The Owner's Role in a Durable Recovery, cover the parts of this work most firms leave unsaid. Start there if you only have time for two. The glossary and the MCA cost calculator are the tools to keep open while you read your contract.
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01
Debt and the Underlying Picture — Why Full-Picture Work Matters
Treating the debt without looking at what created the pressure around it is how owners end up back in the same situation eighteen months later. Here is how we distinguish the symptom from the conditions around it — and why we address both in a single engagement.
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02
The Owner's Role in a Durable Recovery
Lasting recovery starts with an honest look at the operating decisions and conditions that led here — not to carry blame, but to make sure the next chapter is built on a stronger footing. We walk through that conversation plainly, without judgement, and with a clear plan for what comes next.
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03
Alternatives to Bankruptcy
Bankruptcy is one tool and it is rarely the first one. Negotiation, settlement, workout agreements, contract and lease restructuring, and structured turnarounds almost always come first. Here is the honest map.
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04
Your Rights as a Debtor
What a lender can legally do, what they cannot, and where the line is. Plain-English rules for business debtors under federal and Florida state law — so you stop being intimidated by collection tactics that are mostly bluff.
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05
How Much Time Do You Have?
Every debt situation has a clock. Some are weeks, some are months. Learn to read the signals — frozen accounts, UCC filings, process servers, lockbox notices — and act on the right timeline instead of panicking on the wrong one.
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06
State Differences — Florida as the Benchmark
Business debt rules vary meaningfully by state. We explain where Florida sits compared to other jurisdictions on confessions of judgment, garnishment, exemptions, and enforcement speed.
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07
How to Find a Debt Relief Agency
Most debt relief firms are built to sell you a product, not solve your problem. The questions to ask, the red flags to run from, and the contract terms that should never appear in a legitimate agreement.
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08
Private vs. Tax Debt
Tax debt behaves nothing like private debt — different collection tools, different priority, different resolution paths, different consequences for ignoring it. Understand the distinction before you plan anything.
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09
How to Keep Your Business
The practical moves that let owners preserve the enterprise through a crisis — cash discipline, vendor communication, honest forecasting, and the cultural changes that separate businesses that come back from businesses that do not.
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10
Rebuilding Cash Flow After The Crisis
Getting the debt off your back is step one. Rebuilding the cash flow, the reserves, and the operating habits that stop the next crisis is the actual work. Here is the playbook we walk clients through once the fire is out.
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11
MCA and Business Debt Glossary
Fifty-plus terms from merchant cash advance contracts, collection notices, lease negotiations, and bankruptcy conversations, defined in plain English.
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12
Florida Business Debt Laws
Confessions of judgment, the Commercial Financing Disclosure Law, wage and homestead exemptions, statutes of limitations, usury, UCC liens, and tax liability, explained for Florida business owners.
One conversation.
Thirty minutes on the phone, confidential and direct. You walk us through the debts and what is happening in the business. We tell you what we see, which options fit, and whether we are the right firm to run them. No pitch, no upfront fees.