Get clarity in one phone call. No pressure. No obligation. Just honest answers about your MCA debt, how the SOS Performance Plan works, and whether you qualify for funding options most companies can’t offer.
850+ Businesses Helped | $47M+ in Debt Settled
They saved my business.
Ashley J.
I wish I called sooner.
Arthur T.
$430K settled for $140K.
Danielle C.
Daily ACH demands. Collection calls. Possible lawsuits. When pressure builds, every delay can make creditors more aggressive and your options narrower.
The SOS Performance Plan is built to settle MCA debt, not just enroll accounts. You keep control of your money while our team actively negotiates with creditors — and when needed, we can access private funding strategies to accelerate your settlement. Call us to find out if you qualify.
Speak with an MCA debt specialist today.
Handling MCA debt requires a focused strategy and active negotiation. Our Performance Plan is built to settle debt, not just enroll accounts. Here’s how we help you move forward:
A dedicated case manager protects your interests, works directly with your enrolled creditors, and keeps you updated with honest answers throughout the process.
Cynthia is a pioneer in MCA debt settlement. For over 15 years, she’s negotiated with every major MCA lender — and earned their respect in the process.
Creditors know her. Attorneys know her. They know she doesn’t bluff, doesn’t overpromise, and doesn’t waste their time. That reputation is why we get settlements other companies can’t.
She personally oversees every case at SOS Debt Solutions — ensuring strategy is sound, negotiations are aggressive but realistic, and objectives are met. Her expertise in handling complex cases is unmatched in the industry.
What sets Cynthia apart: She’ll always tell you the truth. Good news or bad news, you’ll get the facts — not sales pitches. If your case isn’t a good fit, she’ll say so. If bankruptcy makes more sense, she’ll tell you. That honesty is why clients trust her and why our success rate speaks for itself.
Bottom line: When Cynthia handles your case, you’re getting the best negotiator in the business working for you.
Bill brings over 30 years of experience working with business owners to SOS Debt Solutions. He’s seen every financial challenge a business can face — and he knows how to navigate them.
What clients appreciate most about Bill is his patience and clarity. He doesn’t rush you into decisions. He doesn’t push programs. He listens, understands your situation, and maps out a clear path forward that actually works for your business.
When you talk to Bill, you’re not talking to a salesperson. You’re talking to someone whose sole intention is improving your situation — whether that’s through our services or pointing you in a better direction if that’s what makes sense.
What sets Bill apart: His ability to cut through the confusion and stress to show you exactly what’s possible. Business owners leave conversations with Bill feeling understood, informed, and confident about their next steps.
Bottom line: When Bill is on your side, you have an advocate who genuinely cares about your business surviving and thriving.
Our team protects your interests, communicates directly with your enrolled creditors, and keeps you informed every step of the way. You’re getting experienced specialists focused on active negotiations, honest updates, and settlement strategies built to move your business forward.
Get Started Today
Senior Case Manager
Legal Coordinator
Debt Consultant
Client Services & Operations Manager
Don’t take our word for it. See what business owners say after working with SOS to resolve creditor pressure and regain control of their cash flow.
Business Owners Helped
In MCA Debt Settled
15+ Years Experience
Cynthia and her team were incredible. They stopped the daily debits and secured a settlement that allowed me to keep my business running. They guided me through every step, and I’m truly grateful for their knowledge, support, and professionalism.
SOS Debt Solutions is amazing! They helped me stop daily debits, resolve multiple debts, and negotiate manageable settlements that kept my business running. Knowledgeable, understanding, and genuinely committed to client success — I’ll always rely on them when I need help.
Having Cynthia and SOS in my corner made all the difference. They stopped three lawsuits and negotiated settlements I could actually afford. Their strategic approach is effective, and the legal team they coordinate with is highly experienced. Communication was consistent and responsive throughout the entire process. If you're under serious pressure, this is the team you want on your side.
SOS Debt Solutions saved my business. After getting into $430K of MCA debt, Cynthia and her team negotiated it down to $140K. They restructured my monthly payments so I could stay open and profitable again.
Cynthia and her team have helped put my fears and worries at bay while fighting for my integrity during one of the toughest times as a business order. I recommend ten times over
SOS has literally saved our business and our lives. I don’t know where we would be without Cynthia. First class service, always available, very knowledgeable and experienced. We are so glad we found them!
SOS Debt Solutions has been one of the best things that’s ever happened to me! Cynthia and her team made it easy for me to focus on onsite work while she worked on resolving my debt. So grateful that I got to see it through on the other side. I highly recommend her and her team!!!
Words can’t Explain’ SOS ‘ You’re the best ‘ you’re my hero. Please keep saving our Souls from these predators. Jb
I can't even begin to give Bill and his team enough stars. 5? Not enough--they deserve 10! They took the time to understand my company's issues and worked diligently to help resolve them. Bill's kindness was more than anyone could ever ask for. Thank you from the bottom of my heart.
SOS has literally saved our business and our lives. I don’t know where we would be without Cynthia. First class service, always available, very knowledgeable and experienced. We are so glad we found them!
Best company ever they helped me with major issues and because of them I got everything fixed best ever !!!!!!!!!!!!!!!! From Andy
SOS Debt Solutions is amazing! They do exactly as they say they will do. Keep you updated in a timely manner. Explain everything so it's understandable. Extremely nice people. Very knowledgeable in this business. Sympathetic and understanding of financial situations and very willing to help. This company and it representatives are not in it just for the money. They want to help the client succeed and handle business at the same time. We will forever use them when in need of their assistance.
Trustworthy, knowledgeable and compassionate team! This was exactly what we needed during a very difficult time. Thank you Cynthia and Bill for being a class act. Your service and hard work representing small businesses is great appreciated!
Cynthia and Bill are really great and explaining how and what can be done to help you. Unfortunately I did a Merchant cash advance and I HIGHY URGE ANYONE TO NOT GET THEM! In any event they are really great at helping and prices are VERY fair to us as a business. I really would recommend them for anyone facing these Merchant A holes and what they can do with your business and basically try to put you out of business. Cynthia and Bill help stop all that!
Cynthia and Bill are lifesavers. They are genuine people trying to help others at a difficult time in business. Cynthia knew immediately how to handle my situation and the exact people to contact to get the deal finalized. I will be forever grateful.
Cynthia really helped me during a difficult period financially. She was professional, empathetic, and knowledgeable. I highly recommend her services. She will advocate for you.
Cynthia is the best!! 100 recommend there services they are so human and try to understand and have a heartfelt connection inorder to help in the best way possible.
Bill and Cynthia did a great job. And was very helpful in getting my debt re-negotiated. I strongly recommend them
Most business owners don’t know what their MCA debt is actually costing them—or which settlement options are still on the table. A quick, 15-minute call gives you clear, upfront answers about your specific situation and how the SOS Performance Plan works.
Find Out What Your MCA Debt Could Realistically Settle For.
Daily ACH demands and creditor pressure quickly drain your cash flow and limit your options. A quick, 15-minute call gives you complete clarity on your settlement options, how the SOS Performance Plan works, and exactly what steps to take next.
Speak with an MCA debt specialist today.
Calculators and online estimators can’t tell you what a real settlement looks like. Here is the reality:
Every funder has distinct settlement patterns, legal tendencies, and negotiation behaviors. A software algorithm doesn't know who you owe—our team does, and we build your strategy around those specific creditors.
Your exact payment history, cash flow strain, creditor pressure, and timing all dictate your true leverage. One-size-fits-all calculators miss these variables completely, giving you a generic formula instead of a real strategy.
We don’t just negotiate. We actively look for legitimate, alternative funding paths to settle your accounts and get you out of debt faster. We surface the options, and you make the final call.
Call us at 561-946-2840 for a transparent, realistic assessment of:
No sales pitch. No commitment. Just a clear understanding of exactly where you stand.
Sign your agreement and complete your one-time Program Activation to immediately launch your client portal. Your dedicated team steps in on day one to take over your file and begin shielding you from creditor pressure.
We analyze your specific funders, contracts, payment histories, and daily cash flow metrics. From there, we build a customized negotiation strategy tailored to maximize your specific leverage with each individual creditor.
Your experienced case manager takes over the frontline, executing targeted negotiations directly with your creditors. We step into the line of fire to handle all communication, keeping you updated with honest, real-time progress.
When your creditor is ready to settle, we finalize the restructuring agreement and secure the best possible terms. Our Success Fee is performance-based — you only pay us after an enrolled debt is successfully settled.
Speak with an MCA debt specialist today. No pressure, just answers.
Our exclusive SOS Performance Plan uses a simple fee structure designed to align our success with yours.
A one-time activation fee to open your case, set up your client portal, analyze your debt, and build your customized settlement strategy.
A monthly performance fee for continuous, active work on your file — including creditor communications, negotiation updates, and strategy adjustments.
A settlement fee based on the principal balance, paid only after a debt is successfully settled. You don’t pay for results until we deliver them.
There are no required weekly escrow payments. You stay in control of your money, and we get paid after we settle with your creditor.
We’ve worked directly with major MCA funders and business creditors for over 15 years, giving our team deep insight into exactly how different creditors approach settlement discussions.
They know us. They know we are serious. And they know our team comes prepared with a focused strategy for each enrolled account.
That experience allows us to communicate with authority, negotiate aggressively, and secure realistic settlement options based on your specific situation.
When you work with SOS, you’re not just getting general debt help. You’re getting an experienced team that masterfully handles creditor behavior and knows exactly how to move negotiations forward.
These aren’t promises or projections—they reflect the real-world experience our team brings to every enrolled account. We build focused strategies, handle creditor communications, and deliver realistic settlement options based on each client’s unique situation.
Our track record speaks for itself. We know how to move negotiations forward because we’ve spent years helping business owners regain control.
We don’t overpromise just to get you to sign.
If your situation isn’t a perfect fit for settlement, we will tell you upfront. If another path makes more sense for your business, we will be completely honest about that, too.
You will get realistic expectations, direct answers, and regular updates on exactly what can be achieved for your situation—not a sales pitch designed to collect fees.
Our success is entirely aligned with yours. With the SOS Performance Plan, our success fee is earned and paid only after we successfully settle with your creditor.
You will get regular, proactive updates on your case, your ongoing negotiations, and the exact next steps our team is taking.
No waiting weeks wondering what’s happening. No being left in the dark while a company claims they are “working on things.”
You will always know exactly where your case stands—including what offers have been received, what we’ve countered with, and what needs to happen next.
When you reach out, you get direct answers from a dedicated team focused entirely on keeping you informed.
Speak with an MCA specialist today.
Fill out the form below and our team will contact you within 24 hours to review your accounts. You’ll get a transparent, realistic assessment of exactly what can be achieved for your specific MCA debt situation.
Or call 561-946-2840 now to speak with a specialist immediately.
Get answers to the questions business owners ask most about MCA debt settlement, the SOS Performance Plan, and how our fee structure works.
Business debt settlement is where we work with creditors to negotiate a resolution for enrolled debts. The goal is to create a realistic settlement path based on your creditors, payment history, cash flow, and overall situation.
With the SOS Performance Plan, our team builds a strategy for each enrolled account, communicates with creditors, and works toward settlements while keeping you informed throughout the process. You stay in control of your money, and there are no required weekly escrow payments.
The SOS Performance Plan has a simple fee structure: a $750 Program Activation, a $500 Monthly Performance fee, and a 10% Success Fee based on the original principal balance of each enrolled debt.
The Success Fee is paid only after we settle with the creditor. There are no required weekly escrow payments, and the full fee structure will be clearly outlined before you enroll.
The goal of settlement is to help reduce creditor pressure and work toward a resolution that makes sense for your business. Every case is different, and results depend on your creditors, balance, payment history, timing, and available settlement funds.
What matters most is acting before your options narrow. During your assessment, we’ll explain what may be realistically achievable, how the SOS Performance Plan works, and whether your situation is a good fit.
Your case is managed by an experienced SOS team member with oversight from senior leadership. Our team works directly on settlement strategy, creditor communication, updates, and next steps.
You’re not getting general debt help. You’re getting a team focused on MCA debt negotiations, realistic expectations, and clear communication throughout the process.
Each case is different, and clear expectations will be established before enrollment. Some matters can move quickly, while more complex cases with multiple creditors may take longer.
Throughout the process, our team handles creditor communication, works on active negotiations, and keeps you updated on progress, settlement offers, and next steps. You focus on running your business while we work toward resolving your enrolled debts.
Yes. One of our primary goals is to help you keep your business operating while we manage creditor communication and work toward settlements.
Every case is different, but the SOS Performance Plan is designed to give business owners a clearer path forward without requiring weekly escrow payments. You stay focused on running your business while our team works on your enrolled debts.
There are times when debt settlement may not be the right option.
What sets SOS apart is that we assess your situation honestly. If settlement is not the right fit, we’ll tell you upfront and discuss other possible paths, which may include legal defense, restructuring, funding options, or another strategy based on your specific situation.
We only recommend solutions that we believe make sense for your business.
Some clients already have their own attorneys, and we can work alongside them when needed.
If a creditor files a lawsuit, legal defense may be available through our attorney network while we continue working toward a settlement. The specific legal support available will depend on your case, your agreement, and the circumstances involved.
Our goal is to make sure you are not facing creditor pressure alone.
SOS has worked with many MCA lenders and business creditors over the past 15+ years.
Every creditor has different settlement patterns, timelines, and negotiation behavior. Our experience helps us build a focused strategy around your specific accounts, creditor activity, and business situation.
If your debt involves a lender we have not worked with before, we can still review the situation and determine the best available path forward.
This is a smart question. There are a lot of companies in the debt relief industry, so it is important to know who you are working with before you enroll.
Here’s how you can verify SOS Debt Solutions is legitimate:
Track Record:
– Over 15 years in business
– 850+ business owners helped
– $47M+ in debt settled
– 4.7 Trustpilot rating with verified reviews
– BBB Accredited Business with A+ rating
Transparency:
– We don’t guarantee specific settlement amounts or promise to eliminate all debt
– We’ll tell you upfront if settlement is not the right fit for your situation
– Our agreements clearly outline fees, timeline, and expectations
– The SOS Performance Plan is simple: $750 Program Activation, $500 Monthly Performance, and a 10% Success Fee paid only after we settle with the creditor
– There are no required weekly escrow payments
Third-Party Verification:
– Check our BBB profile and customer reviews
– Review our Trustpilot ratings and verified client feedback
– Ask for references if needed
We’re transparent about what we can and can’t do. If a company promises to eliminate 100% of your debt or gives guaranteed results without reviewing your situation, be careful. If they require a large percentage retainer before settling a single account, ask more questions. SOS is built around clear expectations, honest communication, and success fees paid after settlement.
