Do I Need to Be Behind on Payments to Qualify?

Not necessarily. While many clients who enroll in our program are already behind on payments—or on the verge of default—you do not have to be delinquent to qualify for Debt Consultants Group’s debt relief program. What matters most is whether your current debt obligations are unsustainable or putting your business at risk.

Here’s How It Works:

You May Qualify If:

• You’re current on payments but struggling to keep up with multiple obligations (e.g., stacked MCAs).

• Your business is experiencing a financial hardship such as reduced cash flow, seasonal income fluctuations, or increased operating costs.

• You’re making payments only by borrowing from new sources of high-interest debt.

• You foresee that missing payments is inevitable if nothing changes soon.

You’re Less Likely to Qualify If:

• You have no unsecured or uncollateralized business debt.

• You are current and managing comfortably without signs of financial distress.

• Your debt is fully secured by valuable assets (e.g., property, equipment).

• You’re unwilling to make necessary program adjustments, such as opening a new business account.

Being proactive is a strength—not a disqualifier. In fact, entering the program before accounts go into default can help us preserve more favorable relationships with creditors and possibly reach faster resolutions.

If you're unsure whether your situation qualifies, we recommend booking a free consultation. Our team will review your financial profile and help you determine the best course of action—before things escalate.