A creditor levied my self-employed business bank account. Here’s whether they could reach it, what to do in 48 hours, and how fast bankruptcy stops it.
Your business failed and you personally guaranteed the loan? You’re personally liable — but bankruptcy can discharge it. Here’s what to do right now, before you sign or pay anything.
The government opened a $166 billion tariff refund portal — I explain why that money goes to importers, not you, and the one narrow path that might apply.
Complete research hub on merchant cash advances: how they work, what they cost (70-350%+ APR), the regulatory gap, enforcement actions, and your options. Federal Reserve data and court records.
Merchant cash advances charge 70-350% effective APR hidden behind factor rates. Federal Reserve data, NY AG enforcement records, and court rulings reveal what the industry conceals.
Business debt collection follows different rules than consumer debt. The FDCPA doesn’t protect most business debts — here’s what laws do apply and how to protect yourself.
DOJ is still prosecuting EIDL fraud in 2026. If you took a legitimate EIDL loan and can’t repay, that’s different — here are your real options
What happens after MCA default changes everything: UCC liens, frozen accounts, personal guarantees — and why courts are now ruling in your favor
Discover misclassified over 5 million consumer credit cards as commercial cards from 2007 to 2023, overcharging merchants approximately 1% per transaction. A $1.225 billion class action settlement is now open. If your business accepted Discover cards during that period, file your claim by May 18, 2026.
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Think of this as me — just in AI form. I've walked in your shoes. I filed bankruptcy myself in 1990, and in over 30 years of experience I haven't seen a situation that can't be worked through or a person who deserves judgment. Everything here is built on that experience, that research, and genuine care for you. I can't be there in person. But I can be here.
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