How Delancey works in Michigan
Michigan business owners come to us at every stage of distress, from "we just took a stack and can't make Friday" all the way to "we're in default, sued, and the COJ has been filed." The right move depends on where you are in the timeline. We start with a free, confidential conversation and lay out the real options for your situation.
What makes Delancey different in Michigan is depth: our principals come from finance and law, not call centers. Every plan is built by a senior advisor and reviewed by counsel before we send a single negotiation letter. Free consultation, escrow held in your name, and a track record we'll put in writing.
What we settle in Michigan
The Michigan legal landscape
Michigan business owners deserve to know the legal terrain before negotiating. Most MCAs are structured as purchase-of-receivables agreements, which courts have generally treated as non-loans, meaning state usury caps don't apply directly. But character-of-the-transaction challenges (Amerifactors, Champion Auto, Davis v. Richmond) are reshaping the playbook, and several states now require commercial financing disclosures.
Michigan corporate-borrower exemption is broad. Confirm current law with counsel before relying on these figures.
Where we appear
The MCA cases that end up in court tend to land in a small set of venues. These are the ones we know best in Michigan:
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01
U.S. District Court for the MichiganFederal venue for diversity-jurisdiction MCA disputes and removed cases.
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02
Michigan state superior / supreme courtMost state-court MCA actions land here when the contract specifies state forum.
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03
County / district trial courtsLocal enforcement of judgments, garnishments, and lien proceedings across the state.
Industries we work with
Michigan's economy isn't monolithic. The businesses we settle for skew toward:
How to pick a settlement company in Michigan
The business debt settlement space attracts churners. Here's the short version of what to look for, and what to walk away from.
- Senior advisor or attorney on every call
- Written engagement, fee structure on day one
- Escrow account in your name, not theirs
- Track record they will name in writing
- Honest about timeline, written, case-specific plan at intake (no marketing promises)
- Promises specific reduction percentage on day one
- Won't put advisor names or credentials in writing
- Pushes you to stop paying immediately, no plan
- "100% guarantee", nobody can guarantee that
Ready to talk?
Free, confidential review. A senior advisor, not a salesperson, calls back within 30 minutes.