Don't let business debt destroy what you built.

What Is Business Debt Settlement?

Business debt settlement focuses on resolving debts incurred through business operations — particularly those with personal guarantees. When a small business struggles, the owner often faces personal liability for business credit cards, lines of credit, vendor accounts, and SBA loans with personal guarantees. Settlement can reduce these obligations significantly. We work with sole proprietors, LLC owners, and anyone who personally guaranteed business debts to negotiate reduced payoffs and protect personal assets.

How Business Debt Settlement Works

We start by separating true business obligations from personally guaranteed debts. Business-only debts may be handled through business restructuring or dissolution, while personally guaranteed debts are addressed through our settlement program. We create a strategy that accounts for both your personal finances and business situation. Our negotiators work with business lenders, credit card companies, and vendors to reach settlements. Business creditors often prefer settlement because litigation against small business owners is costly and uncertain, especially in Texas.

Who Qualifies?

• Texas business owners with personally guaranteed debts of $10,000+
• Closed businesses with outstanding debts in the owner's name
• Active businesses struggling with debt payments
• Sole proprietors, LLC members, or partnership principals
• Business owners considering bankruptcy as a last resort

Texas provides important protections for business owners facing debt. Your personal homestead is protected from business creditors, even for personally guaranteed debts. Retirement accounts are exempt. Texas's generous personal property exemptions protect tools of trade, vehicles, and personal belongings. For sole proprietors, Texas community property law may affect how business debts are treated between spouses. Understanding these protections is critical for any Texas business owner navigating debt settlement — it prevents unnecessary concessions and preserves your most important assets.