Business debt. Personal guarantee.

Your LLC doesn't protect you if you signed a personal guarantee

Find out what you are actually facing before you give up the house and the savings.

Step 1 of 2

Start with your business

Three questions. Not your credit.

What kind of debt?

Submitting does not create any professional relationship. Overdraft is not a law firm.

If you're here, some of this is true

  • Money gone before payroll clears.
  • Three or more lenders debiting daily.
  • Collection calls you stopped answering.
  • You signed personally. You're not sure on what.
  • You'd sell, but nobody buys this.
  • Your family thinks it's fine.

The guarantee is the trap. It is not the end of the story.

Four things that are true, and that almost nobody tells you before you sign.

The LLC didn't hold

Signing the guarantee set it aside. You did that, not them.

It didn't fail

It worked exactly as designed. The business is gone and the debt followed you home.

Your house is collateral

The house, the car, and what you earn next. The lender knew the odds. That is why they asked.

It sits under everything

Not one debt among several. The layer beneath all of them.

What we actually do

Four things, in this order. None of them require you to send us money you don't have.

We find out what is filed against you

We search the public record for every filing tied to your business. Who claims what, in what order, and whether the paperwork was done correctly.

We read everything you signed

The contracts, the guarantees, the amendments, the confessions of judgment. Most operators have never seen all of it laid out in one place.

We build one document

What the business actually earns, what it actually owes, who actually has priority, and what is collectible against you personally.

We become the point of contact

The calls, the letters, and the demands come to us. We handle the conversation about what leaves your account and on what terms.

What we don't do

  • We don't lend you money.
  • We don't take over your business.
  • We are not a law firm. Where you need a lawyer, we bring one in.
  • We are not accountants. Tax positions go to your tax professional.
  • We don't promise you an outcome.

What changes

Less money going out

The debits that are draining the operating account get restructured or challenged.

More money staying in

What the business actually earns starts staying in the business.

Someone between you and them

The calls, the letters, and the demands come to us instead of to you.

How this moves

1

Tell us about the business

Three questions. Not your name yet, and not your credit. What you owe and who is pulling.

2

We pull the record

We find out what is filed against you, what was recorded correctly, and what was not.

3

You see the picture

A documented account of what the business can actually afford and what your options are.

4

We step in

They deal with us instead of you. Same payment out. Different result.

What's the catch

We don't ask you for new money. The payments already leaving your account get redirected.

What this is not

Debt consolidation

  • New loan to pay old loans
  • Needs your credit
  • Consumer debt
  • You still handle the calls

Overdraft

  • No new money. Existing payments redirected.
  • Starts with the business, not your credit
  • Business debt with a personal guarantee under it
  • They deal with us instead of you

Questions

Payroll is Friday

Find out what is filed, what you signed, and what is actually collectible.

(248) 977-8481

Call or text from your phone.

Step 1 of 2

Start with your business

Three questions. Not your credit.

What kind of debt?

Submitting does not create any professional relationship. Overdraft is not a law firm.

Call now(248) 977-8481