Debt Solution Law Group

Debt Solution Law Group helps California business owners restructure and eliminate business debt under the Small Business Reorganization Act (SBRA) — also known as Chapter 11, Subchapter V.

Attorney Steven E. Cowen is one of the few true specialists on the SBRA in the country. With over 34 years of experience and more than 2,000 cases handled in Southern California, Steven has helped business owners eliminate merchant cash advance debt, restructure SBA loans, wipe out unsecured debt, and save their companies from closure — all while keeping the business open and operating throughout the process.

Most business owners struggling with MCA debt, stacked advances, or SBA loans don't know that a legal solution exists. The Small Business Reorganization Act allows qualifying businesses to:

Reduce or eliminate merchant cash advance (MCA) debt

Reduce or eliminate SBA and EIDL loans

Stop active lawsuits and collection actions immediately

Force a court-approved repayment plan creditors cannot reject

Keep the business owner in control throughout the process

Continue paying the owner during reorganization

Unlike debt settlement, the SBRA provides court supervision and legal protection — giving business owners assurance, clarity, and predictability that settlement alone cannot offer.

We serve business owners statewide throughout California. The initial consultation is free.