Got Questions About Business Debt and Turnaround Solutions? Start Here

When your business is under financial stress, clear answers are hard to come by—and worse, the wrong ones can cost you everything. At The-DRG, we understand the confusion, fear, and urgency that surround debt, restructuring, and corporate survival. This FAQ page is here to give you clarity. Whether you're on the brink of bankruptcy or just beginning to explore restructuring options, these questions and answers cover what you need to know to make smart, time-sensitive decisions for your business.

Business Debt & Restructuring FAQs

  • What Exactly Is Business Debt Restructuring?

    Business debt restructuring is the process of renegotiating and reorganizing existing debt obligations with lenders or creditors. At The-DRG, this often includes

    • Extending payment timelines
    • Reducing total amounts owed
    • Consolidating high-interest debt into more manageable payments
    • Renegotiating contract terms to improve cash flow

    Unlike bankruptcy, this process happens without a public filing and is designed to keep your business alive and operational

  • How Do I Know if My Business Is a Good Candidate for Restructuring?

    If your business is

    • Missing loan payments or supplier termsFacing collections, lawsuits, or garnishments
    • Losing money despite solid salesCarrying MCA (merchant cash advance) debt
    • Operating under internal inefficiencies

    …you’re likely a candidate. We often work with companies that are still profitable but poorly structured—meaning the solution isn’t to shut down but to fix the internal problems.

  • Is Restructuring the Same As Bankruptcy?

    No. Restructuring is a proactive, private, and reputation-saving strategy. Bankruptcy is a public legal process that:

    • Freezes your credit
    • Signals distress to vendors and customers
    • May involve liquidation of assets or court oversight

    Restructuring keeps your doors open and helps you avoid legal damage while fixing the root cause of the problem.

  • Can You Help With MCA (Merchant Cash Advance) Debt?

    Absolutely. MCA debt is one of the top reasons clients come to The-DRG. These loans can drain your cash flow fast due to:

    • Daily or weekly payment withdrawals
    • Extremely high effective interest rates
    • Clauses that accelerate payments if revenue drops

    We specialize in negotiating MCA payoffs, reducing balances, and restructuring debt loads so your business can breathe again.

  • What if I Already Have Lawsuits From Creditors?

    That’s not a dealbreaker. In fact, we’ve helped many businesses after lawsuits have already been filed. Our team steps in to:

    • Open lines of communication with attorneys and creditors
    • Stop pending judgments or garnishments.
    • Find an alternative resolution that avoids court.

    The sooner you reach out, the more leverage we can create.

  • Do You Negotiate Directly With My Creditors?

    Yes, and that’s one of the key advantages of working with us. We:

    • Communicate with your lenders or vendors on your behalf.
    • Establish goodwill while protecting your interests.
    • Propose realistic repayment terms that fit your budget and timeline.

    Our team acts as a buffer between you and the pressure—while building a path forward.

  • Do You Help With Internal Restructuring Too?

    Yes, and it’s a critical part of our approach. Financial issues are usually symptoms of deeper structural issues. We perform:

    • Organizational audits
    • Department performance reviews
    • Leadership and staffing evaluations
    • Inventory, production, and logistics analysis

    We find the “sick part of the body” and build a healthier system that runs leaner, faster, and more profitably.

  • Will I Have to Lay Off Employees During Restructuring?

    Not always. Our goal is to preserve your team, not cut it. In many cases, reassigning roles, reworking the org chart, or adjusting processes eliminates inefficiencies without job losses. However, if staffing reductions are necessary, we’ll guide you through it ethically and legally.

  • Do You Work With Small Businesses or Just Large Corporations?

    Both. We help:

    • Solopreneurs with one or two employees
    • Local service-based businesses (contractors, practices, etc.)
    • Mid-sized regional firms
    • Large multi-location operations

    The size doesn’t matter. What matters is that you're ready to take action to fix what's not working.

  • What Does Your Process Look Like?

    Our process follows five critical stages:

    1. Assessment – Deep-dive review of financials, structure, and pain points

    2. Diagnosis – Identification of the real root problem

    3. Planning – Building a solution that fits your timeline and budget

    4. Negotiation – Working directly with creditors and stakeholders

    5. Execution – Implementing change, fast, with clear accountability

    We stay involved through every stage—this is not a set-it-and-forget-it plan.


Have More Questions? We’ve Got Real Answers

Still unsure what’s next? Let’s talk. At The-DRG, we help business owners across Woodlands, TX, and surrounding areas restructure, resolve debt, and rebuild—no bankruptcy required.

Call (281) 402-3540 today to speak with a turnaround advisor.