• FARS Is Built for Business—Not Consumers
• Licensed Legal Engagements Are Included
• CPA Advisory for Tax Fallout Is Built In
• Full Legal & Financial Compliance (No Shady Promises)
• Strategic Business Protection—Not Just Temporary Relief

This isn’t a ‘settlement scheme.’ This is a structured negotiation service with licensed legal and financial experts guiding every move—so you can protect your business, not just survive the month.

• FARS Advisory Package: 3–7 business days
• FARS Legal Negotiation Package: 2–4 weeks average
• Optional CPA Advisory (Post-Negotiation): 5–10 business days

If you’ve already been sued—or received legal papers—we can absolutely help. But that means we’re no longer just talking strategy—we need to get legal protection in place, fast. That falls under our FARS Legal Negotiation Package, which includes licensed attorney time, document review, and direct negotiation with the lender’s lawyers.

If the case is already in court or requires formal defense, we’ll immediately initiate a Custom Plan so you get jurisdiction-specific representation. We don’t take shortcuts when your business is on the line.

FARS (Finance Agreement Relief Services) is specifically built to help small and mid-size business owners renegotiate, restructure, or defend against a wide range of commercial finance agreements.
Merchant Cash Advances (MCAs)

• Business Loans
• Lines of Credit (LOCs)
• Commercial Equipment Financing or Leasing Agreements
• Business Credit Cards and Charge Accounts
• Vendor and Supplier Agreements

FARS Also Reviews:

• Contractual loan renewals
• Confessions of judgment clauses in MCA contracts
• UCC liens filed against business assets
• Personal guarantee risks tied to business debt

To qualify for FARS, we do require that your business is facing at least $30,000 in total outstanding finance obligations. That’s the point where professional negotiation or legal action starts to make a meaningful difference for you—and where the value of this service pays off.

When a business settles or reduces its debt, it might seem like a win—but the IRS often steps in and calls that forgiven amount ‘income.’ That’s called CODI (Cancellation of Debt Income). Without proper tax handling, clients can end up owing thousands in taxes on money they never received. That’s why we include CPA-backed advisory in FARS—so your financial recovery doesn’t become your next financial crisis.

FARS doesn’t just help you negotiate the debt—it helps protect you from the fallout. CODI is real, taxable, and preventable—but only when professional advisors are part of the plan.