Commercial Debt Resolution Services

Being crushed under commercial debt? Your business deserves a second chance. At Emerge180, we don't just negotiate debt—we save businesses. With over 25 years of experience and settlements competitors can't achieve, we intervene before it's too late. Our reputation opens doors that stay closed to others.

You run your business. We'll help you handle the debt.

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Your creditors want payment. We negotiate solutions they'll accept.

Creditor Negotiations

When creditors circle your business, professional intervention changes everything. Our specialized team has negotiated thousands of settlements over 25 years, achieving reductions others simply can't match. We know the warning signs—bounced checks, COD demands, frozen credit lines—and act fast to protect your business assets.


We provide complete creditor negotiation support when you need it most, turning aggressive collection calls into manageable settlement agreements.

25

Years negotiating

$15M+

Debt resolved
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Stop collection calls and lawsuits immediately

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Negotiate settlements competitors can't match

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Protect business assets from creditor seizure

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Barrett Rodriguez, our Owner/CEO and licensed attorney, has personally handled over 1,000 federal and state tax cases. His team has secured over $50 million in Employee Retention Credits since 2020. From unfiled returns to bank levies, wage garnishments to offers in compromise—we defend businesses against IRS collections with proven strategies.


We provide complete IRS resolution support when you need it most, transforming tax disasters into manageable payment plans.

The IRS won't wait. Our licensed attorneys know how to make them listen.

IRS & Tax Resolution

1,000+

Tax cases handled

$50M+

ERC credits secured
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Release tax liens and wage garnishments fast

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Settle IRS debt for less than you owe

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Stop penalties and interest from growing

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Merchant cash advances and high-interest business loans can strangle cash flow overnight. We restructure toxic debt, negotiate with MCA companies, and convert impossible daily payments into sustainable monthly terms. Our intervention often reduces total debt by 40-70%, giving your business room to breathe and recover.


We provide complete loan restructuring support when you need it most, converting predatory terms into workable solutions.

Daily payments killing cash flow? We'll restructure terms you can survive.

Business Loan Restructuring

40-70%

Average debt reduction

500+

MCA settlements
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Convert daily MCA payments to monthly terms

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Reduce total debt burden by 40-70% typically

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Restructure multiple loans into single payment

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Lisa Williams, VP of Client Engagement, leads our recovery planning with her FSU accounting expertise and passion for solving complex B2B financial challenges. We don't just resolve immediate crises—we rebuild your financial foundation. From cash flow analysis to vendor term renegotiation, we create sustainable paths forward.


We provide complete recovery planning support when you need it most, transforming financial chaos into strategic stability.

Beyond crisis management—we rebuild your business stronger than before.

Financial Recovery Planning

6

Month payment plans

95%

Success rate
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Rebuild vendor relationships and credit terms

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Create sustainable cash flow projections

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Develop crisis prevention strategies

We understand that choosing the right accounting and payroll partner is an important decision. Below are answers to the most common questions we receive about our services, pricing, and how we work with your existing systems.

  • Why should I use Emerge180 instead of negotiating settlements on my own?

    Professional intervention is better for your business. Emerge180 has specialized in creditor negotiations for over 25 years, and we are focused on your best interest. Because of our reputation, we are able to achieve settlements no one else can.

  • If I can't afford my debt, how will I afford Emerge180?

    You can't afford not to address your debt. Without proper guidance, you may inadvertently give a creditor a reason to not reduce your debt. We understand cash flow is an issue and we do not require our fees due in full upon resolving the debt. Our accounting department will automatically spread your fees into a six-month payment plan to assist with cash flow restraints.

  • What are some of the warning signs that my business is facing financial troubles?

    • Payroll is difficult to fund
    • Bounced company checks
    • Key indicators in the Accounts Payables Aging Report
    • Suppliers cease deliveries
    • Vendors pull terms or demand COD

  • How will my business financial problems affect my personal life?

    • No owner compensation
    • Over-using credit cards
    • Changes in health

Frequently Asked Questions

Common Questions About Our Accounting Services

Emerge180 Customers

Our clients save time, reduce stress, and keep more money by letting us handle their financial complexities.