No Espere a Que sus Acreedores Tomen Medidas.
Reorganiza tu Negocio, Recupera la Estabilidad y Prospera.
¿No Está Seguro de si la Reorganización es lo Adecuado Para su Negocio? Obtenga Respuestas Claras.
Steven E. Cowen, Esq.
619.202.7511
Cowen.steve@secowenlaw.com
Nuestro Servicio
Reestructuramos la deuda empresarial bajo la Ley de Reorganización de Pequeñas Empresas (Capítulo 11, Subcapítulo V) para ayudar a que las empresas sigan operando y aumenten su rentabilidad. Trabajamos con dueños de negocios que tienen dificultades con sus deudas o que buscan incrementar su rentabilidad.
Mantente Abierto
Continúe operando su negocio durante todo el proceso de reorganización; no habrá cierre forzoso.
Protección Jurídica
La supervisión judicial detiene las acciones de los acreedores, los retiros de MCA y las demandas judiciales en el momento en que usted presenta la solicitud.
Reduce Tu Deuda
Eliminar los préstamos MCA, la deuda de la SBA, la deuda sin garantía y las garantías personales, a menudo de forma significativa.
La Experiencia Importa
Somos Debt Solution Law Group, un bufete de abogados dedicado exclusivamente a la reorganización de deudas empresariales.
Con 195 reseñas y una calificación de 4.9 sobre 5 en Google, nuestra reputación habla por sí sola. Luchamos incansablemente por nuestros clientes.
Prestamos servicios a clientes en toda California
¿Qué diferencia nuestro servicio de la negociación/liquidación de deudas comerciales?
Reorganización Empresarial
- Plan aprobado por el tribunal que fija exactamente lo que usted paga.
- Los actuales propietarios mantienen el control del negocio
- Protección legal durante todo el proceso
- El plan de pago es obligatorio para los acreedores; no pueden rechazarlo
- La capacidad de los acreedores para presentar objeciones es muy limitada según el Capítulo 11, Subcapítulo V
Liquidación/Consolidación de Deudas
- No hay garantía de ningún resultado
- Las empresas siguen siendo vulnerables a las acciones de los acreedores
- Los acreedores pueden rechazar, y a menudo lo hacen, las ofertas de acuerdo
- Sin supervisión judicial ni protección legal
- Deja al negocio expuesto durante todo el proceso
La seguridad, la claridad y la previsibilidad son lo que distingue la reorganización empresarial de la liquidación y la consolidación.
Consultas gratuitas: ¡Agenda la tuya hoy!
Ofrecemos consultas gratuitas con un abogado con experiencia. Por favor, llame al (619) 202-7511, Ext. 1 o complete el formulario de contacto.
Un miembro amable y experto de nuestro equipo se pondrá en contacto con usted.
What Is the Small Business Reorganization Act (SBRA)?
La SBRA combina elementos de liquidación y consolidación de deudas, al tiempo que proporciona la protección de la supervisión judicial durante toda la duración del caso.
Ejemplos específicos de cómo la SBRA puede ayudar a su empresa.
- Reducing or wiping out MCA loans
- Reducing or wiping out SBA loans
- Stopping active lawsuits immediately
- Reducing or wiping out unsecured debt
- Repaying only what your equipment is worth
- Maintaining key vendor relationships
- Rejecting unprofitable contracts and leases
- Owner continues receiving pay throughout
Can You, as the Business Owner, Receive Pay During Reorganization?
Absolutely.
In fact, it is required that the owner gets paid during the reorganization. If you have not been paying yourself, you can begin. If your pay was decreased, it can be increased.
Is Your Business Well-Positioned For a Successful Reorganization?
- Your business has less than $3,424,000 in aggregate noncontingent, liquidated secured and unsecured debts (excluding affiliates/insiders)
- Your business produces enough monthly income to pay its core (non debt repayment) expenses
- Your business financials are up to date with accurate profit/loss statements and a balance sheet
- Your business income tax return filings are up to date
Our Process
Step 1: Free Consultation
We determine what's possible: can your business reorganize successfully? What do post-reorganization financials look like? Free, via Zoom. Requires up-to-date P&L and balance sheets.
Step 2: Initial Analysis
A comprehensive evaluation with exact numbers — how much debt eliminated, what secured creditors receive, and what monthly income is needed to fund the reorganization.
Step 3: Filing
We file your case. Legal protections take effect, creditors are notified, and the daily withdrawals must stop.
Trusted by Business Owners
Across California
⭐⭐⭐⭐⭐ 4.9 out of 5 — 195 Google Reviews
Don't Wait Until Your Creditors Take Action.
Successful business reorganizations are the product of decisive and timely action by the business owner. How quickly you react matters.
Meet Our Lead Attorney
With over 34 years of experience and a track record of successfully handling thousands of bankruptcy cases, Steven Cowen and his team possess the expertise needed to guide your business to profitability.
As the lead attorney at Debt Solution Law Group, Steven Cowen has made a name for himself in the world of business reorganization, business restructuring and business debt elimination. He is one of the few true experts on the Small Business Reorganization Act and its business saving properties. Attorney Cowen has observed the damage done to businesses by the pandemic and has made himself available to all California business owners and operators who are looking to save their businesses and/or increase the profits they take home each month.
Steven E. Cowen , Esq.
-Service Area-
We Serve Business Owners Statewide in California
Wherever you’re running your business in California, we’ve got your back. Our team is here to make legal support straightforward and accessible. If you’re facing debt challenges or considering restructuring, count on us to be your practical partners. Your success is our priority, no matter where you are in the Golden State – because every business deserves a clear path to thrive.
Personal guarantees can be eliminated.
The repayment of almost all business debt is personally guaranteed by one or more of the business’ owners. Wiping out business debt will not mean much if the creditor can get paid from the wages or property of the personal guarantor. The key is knowing how to use recent changes to California law to “take the bite out of” the personal guarantees.
The key is the Small Business Reorganization Act (the "SBRA").
For many California businesses, post-pandemic income is down, sometimes way down, and business debt is higher because of the loans needed to stay afloat. If reducing or eliminating business debt can make you profitable again, we need to talk. The Small Business Reorganization Act can end the downward spiral –purchase contracts written down to the value of the equipment purchased. Wipe out credit card and other unsecured debt. Reject unproductive leases. Pay back taxes over time.
Payment plans available.
To avoid the financial ruin that personal guarantees or a failed business can cause is surprisingly affordable. The down payment is negotiable. The balance of the fees and costs are paid, typically, over 12 to 36 months. The attorney’s fees and costs are always a fraction of the money saved. The issue really boils down to whether the personal guarantees can be wiped out, the business saved, or both. Call now or use our convenient contact form and a knowledgeable member of our team will get right back to you.
Put an End to "Doom Scrolling"
According to Google Trends, Interest in Debt Restructuring and Bankruptcy Peaks at 3:40 AM Daily
Late-night anxieties about debt haunt many business owners. The data shows that sleepless nights are often spent grappling with the financial strain that debt brings. Our service offers practical relief, guiding businesses through restructuring with a straightforward approach. We provide solutions to ease the burden, helping you regain control of your financial future. Our goal is to turn those restless nights into a confident path forward, ensuring that your business not only survives but thrives.
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Do You Have More Questions?
Our frequently asked questions page contains more information.
A link to our frequently asked questions page is below.
