Professional third-party service specializing in negotiation and settlement of debt for businesses having difficulty meeting financial obligations.

No. Unlike familiar consumer debt programs, business debt programs are typically more discreet. Because debt settlement (bankruptcy alternative) is both private and may indicate a firm has experienced financial difficulty, businesses and creditors avoid publicizing settlements. Business owners may not be aware of these services as there is no requirement to publish debt settlement efforts versus publicly recorded bankruptcy filings.

First, review your accounts payable. If one-third of your payables (in dollars) is greater than 90 days, or 1 in 3 creditors is greater than 90 days, your company may be at risk. 
Next, if any creditor has taken collection actions against you, that is a strong signal to contact us. For other signs, click here.

Four out of five businesses fail before their fifth year. Many could have stayed in business if they sought assistance. If you are looking to settle with creditors, our experience and professional staff is here to assist you before your debts put you out of business. Emerge180 can help settle your debts, increase your cash flow, and put your company on the road to financial success.

Professional intervention is better for your business. Emerge180 focuses on reaching settlements in your company's best interest. We can get you back on track faster and more efficiently than you might manage on your own. Because creditors prefer to work with a bonded debt management firm, working with Emerge180 indicates your intention to restore financial stability and address creditors fairly and equitably.

Since Emerge180 settlements provide money to creditors more quickly than litigation or bankruptcy (an immediate creditor benefit), creditors will often waive additional fees from the original amount. Emerge180 works to keep you operating and prevent litigation.

In most cases, we provide the same results as a Chapter 11 bankruptcy without the stressful, demeaning process. Bankruptcy is very expensive, takes control away from ownership in handling debt, and hinders the business' credit for several years. Bankruptcy is a high-cost legal process. By working directly with your creditors, Emerge180 saves you money, time, and protects your reputation.

In some cases, bankruptcy is the best alternative, but it should be considered the last option. As we tell our clients, you can always start the bankruptcy process if your creditors refuse to work with you; however, once you declare bankruptcy there is no going back.

You can't afford not to address your debt. If you are not properly prepared, when you speak with a creditor you may be giving them reason to not reduce your debt. Creditors ask for documents they are not entitled to see, make improper threats, or may contact other vendors. Emerge180 helps business just like yours every day. We know exactly what creditors can and cannot do—we understand national and industry-specific issues that impact your business, and we use that information throughout the negotiation process.

The sooner, the better. If a debt is 90 days past due, creditors may add costs to the original amount, especially if the debt is sent out for collections. Emerge180 can help buy time to pay the settlement, which is particularly helpful if your business is cyclical or experiencing a temporary setback.

Though we recommend you contact us early, we recognize that is not always possible. We assist businesses no matter how old their debts—we have the ability to settle any type of liability, judgment, lien, or levy.

Yes. We realize closed businesses may carry debt or owners have made personal guarantees. Resolving this helps properly close out the business without further litigation and alleviate future responsibility associated with the business.

First of all, things may not be as bad as you think. For more than 18 years, we have assisted businesses just like yours at every stage; from a temporary setback to complete financial crisis. We invite you to call Emerge180 for a FREE consultation. We may be able to offer the help you need to keep your business operating.

Most creditors view it as a strong and positive sign. Enlisting the services of Emerge180 signals you are taking control and making the effort to resolve these matters instead of run. Emerge180 will provide a professional analysis of your company's financial condition which helps your creditors realize the benefit of reaching a settlement.

Most creditors will at least allow you to do business with them on a COD basis. Enlisting Emerge180 to assist you with your debts sends a powerful signal to your creditors that you are serious about resolving these matters. Often times, this helps restore the relationship with the creditor.

You control which debts are assigned to Emerge180. If key accounts are working with you, you may continue to work with them. Simply assign the remaining accounts to us and we'll negotiate less crucial settlements to free up cash flow. You have the control to assign a creditor to us at any time. If it is better for us to handle the debt, we will designate it as a critical vendor, and negotiate a settlement where you maintain your business relationship. If they refuse further credit we will continue negotiations as you buy product on a COD basis. In some cases, we've negotiated settlements that allow our clients to retain or reestablish important credit facilities even when the creditor accepted a reduced amount.

It is common for small business owners to sign personal guarantees for vendors, leases, secured and unsecured loans, lines of credit, and inventory. Some business owners may be personally liable for the debt - even when a business has closed. Emerge180 understands the need to protect the personal assets of our clients. In negotiations involving a personal guarantee, we include language to prevent a creditor from pursuing personal assets after a settlement has been reached.

Yes, Emerge180 is an accredited business member of the Better Business Bureau with an A+ rating by the BBB. Click here for BBB.

Creditor/Lendor: Emerge180 can handle any debt submitted by a client with whom we have a signed agreement. We negotiate settlements on lawsuits, judgments, collections, past dues—basically any creditor matter at least 90 days past due.

Taxes: With our tax division, we also have the ability to settle any type of tax liability whether it is with the IRS, State, or Local tax authority.

Personal Debt: If you have incurred personal debt as a result of operating your business, we will handle that as well. For a complete list of the types of debt we negotiate, click here.

Emerge180 has a long history of assisting clients with negotiating, renegotiating or settling leases for office space or equipment. We can also renegotiate business loans by either extending payments or settling for a reduced amount. Whatever debt may be hindering your business, give Emerge180 a call to see how we can help. 
For a complete list of the types of debt we negotiate, click here.

Yes. If Emerge180 is handling the debt for a business, we extend our services to officers and owners of the business as long as the debt is business related.

For a complete list of the types of debt we negotiate, click here.

No. We are unique in our industry - we present settlement details for your approval before we finalize the settlement with the creditor. This applies even when we reach settlements that fall within specific, predefined requirements provided to us by you. We realize you are our Client, and you have to make the payment for the settlement.

No. You maintain complete authority to determine which creditors and which debts you submit to us. We may recommend that you assign certain debts to us after evaluating your financial condition, but this is solely at your discretion.

Yes. When we receive Power of Attorney, we contact each assigned creditor and inform them we are your representative. Each creditor understands they must work through Emerge180 for a resolution.

Typically, we reach acceptable settlements in 2-4 weeks (some may take longer depending on the type of debt and the stage of the debt). No matter how long the process, our job is to reach a settlement that fits the financial needs of your company.

The best time to reach a settlement with a creditor is prior to them placing the debt with collection agency or collection attorney. By turning to Emerge180 early on, we will reach settlements on the original amount of the debt without additional costs such as attorney fees, court costs, placement fees, and interest. If a debt is already with a collection agency or attorney, we have more than eighteen years of experience in reducing or eliminating additional costs.

We have successfully negotiated settlements on over 90% of our accounts. In the rare instance a settlement cannot be reached, we work towards an affordable payment plan. As with all settlements, you approve the settlement before it is finalized.

First, evaluate what your credit rating is currently. If you are behind on business debts and considering debt negotiation your credit may be in jeopardy already. By working with Emerge180 your credit rating improves as you pay off each settlement. Debt resolution will not only improve your credit, it will also shore up your financial statements (i.e. balance sheet) increasing your credit worthiness. 
Unless you currently have perfect credit, making payments on a debt that has been decreased more often has a positive effect on your credit report. Since debt settlements increase your cash flow while reducing total debt, the business improves its ability to obtain credit. Re-establishing credit relations with vendors, and paying within agreed terms, further improves your company's credit.

Note: Although many believe that their credit reports are checked on a daily basis, the fact is that they are read only when seeking a major loan or purchase.

Throughout our years of experience, we have found that the best way to serve our clients is to provide the best guarantee in the industry. A performance-based fee may sound good, but look at this example: You owe $100,000 and you agree to pay a firm 35% of whatever they save you. They settle for 60 cents on the dollar ($60,000) and then charge you 35% of the savings, or $14,000. You end up paying $74,000 on a $100,000 debt. That may sound good, but we go one step further. Emerge180 will settle your debt at 60% of what you owe with our fee included, or you owe us nothing. Our retainer starts at only $250, and in the unlikely event we are not able to reach a settlement, we return your retainer.

Unlike our competitors, Emerge180 does not charge additional fees. Other companies claim they are solely compensated for performance but they charge non-refundable listing fees, admin fees, payment fees, stretching fees and so on. Be sure to look closely at our competitor's guarantees to avoid paying more than what you owe. You will not find another company with our results, our experience, our services, with such reasonable fees. We believe in small business as the backbone of the American economy, and because of that we consistently review our fee structure to ensure our client's needs come first.

No. Emerge180 is a professional business and tax consultants business. We focus on assisting small businesses that are struggling financially. We do not provide legal advice or engage in the practice of law, but we do provide the specialized service of reducing your debt and returning you to profitability. If you need legal assistance, we may be able to refer you to an attorney in your area.

Relief from stress, anxiety, and aggravation. We remove the pressure of handling creditor calls, collection calls, and trying to negotiate. You only speak with us, and refer any creditor who contacts you to us.

We are able to reach settlements no other company can. We have been doing this a long time. Throughout our history, we have developed rapport with creditors, collection agencies, and attorneys because of our honest and consistent communication. These established relationships aid us in settling your debts for less.

We ensure your debts are handled in a professional manner while you stay focused on running your business.

Being unprepared or under pressure can make situations worse. Dealing directly with your creditors on past due debt can be stressful. Agreeing to settlements you know you can't pay will cost you more in the long run. Breaking payment arrangements hurts your credibility and may tack on additional costs to the debt.

Handling debts on your own is distracting and time consuming. Taking phone calls, drafting documents, negotiating terms, constant interruptions all eat into your valuable time needed to run the business. When we handle your debt problems, you'll be able to get back to work. Even if you believe you can handle these debts on your own, think about what you cannot accomplish by spending your time on this.

Maintain credibility. When you avoid your creditors, they are less likely to believe you because they do not want to be burned by someone who can afford to pay them. Unfortunately, creditors often resort to litigation to determine a debtor's true financial condition. Working with Emerge180 demonstrates you are addressing issues and want to resolve your debts.

Emerge180 has the expertise and experience you need to settle your debts. We are professional debt negotiators. It's what we do, every day, for businesses just like yours. We have handled over 10,000 accounts in the last six years alone.