You have likely seen advertisements for “debt relief” that promise to eliminate personal credit card or loan balances using so-called “insider strategies” or “secrets banks don’t want you to know.”
There are no secrets.
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Be aware the “debt relief” approach can carry significant risk.
For individuals with personal credit card or personal loans, intentionally stopping payments almost always results in escalating penalties, accrued interest, damaged credit, and in many cases, legal action or lawsuits by creditors.
02
Valcor does not represent individuals or personal debtors.
Valcor does not provide personal debt relief, consumer debt settlement, credit repair, or credit counseling services, and does not represent individuals with personal credit card debt, personal loans, or other consumer obligations.
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Valcor is a business restructuring and advisory firm
We work exclusively with small and mid-sized businesses. Our services are limited to commercial matters and may include business financial analysis, restructuring strategies, and debt mediation conducted in a business context.
* If you are a consumer seeking assistance with personal debts, we recommend contacting a reputable, non-profit consumer credit counseling organization in your local area for information on available options, resources, and educational support.
When selecting a partner to address business debt, understanding their approach is essential. There are some “Business Debt Relief” Companies that employ practices that may not prioritize client interests.
Why “Debt Relief” Companies Often Fail to Serve a Debtor’s Best Interests:
- Delays in Action: Some require clients to save 20–30% of total debt before negotiations begin, causing long delays and continued creditor pressure.
- Misleading Promises: Clients are often rushed into agreements with unrealistic assurances and little transparency about fees or outcomes.
- Loss of Control: Funds may be diverted to third-party ‘escrow’ accounts, limiting the business’s control over its own money.
- High Upfront Fees: Many charge significant fees before delivering any results, worsening existing cash flow problems.
In contrast, Valcor, a Business Restructuring Company with over 30 years of proven expertise, focuses on transparency, client empowerment, and tailored solutions to help businesses regain financial stability through restructuring, access to lending and recapitalization.
Why Choose Valcor Business Restructuring?
No Upfront Fees for Most Cases
Unlike many Business Debt Relief Companies, Valcor charges no upfront fees on most smaller cases, aligning our success with yours by earning compensation only when we deliver results. For larger, more complex cases, a modest deposit may be required to ensure we can dedicate the necessary resources to achieve optimal outcomes.
Immediate Action, No Arbitrary Thresholds
Valcor begins restructuring efforts immediately, without requiring you to accumulate a percentage of your debt before negotiations. Our proactive approach accelerates debt resolution, minimizing delays and creditor pressure.
Full Transparency
We provide clear, upfront information about our restructuring process, timelines, and potential outcomes. Valcor avoids high-pressure tactics or vague promises, ensuring you understand every step of your financial recovery. Our clients are never rushed into agreements without complete clarity.
No Control Over Client Funds
Valcor never has control over client funds. We do not open third-party or escrow accounts, and all payments are transferred directly from the client to the creditor. This approach eliminates any fiduciary responsibility for client funds, ensuring maximum transparency and securing confidence for both clients and creditors, who trust that funds are handled directly and responsibly.
Access to Capital and Recapitalization
Valcor’s proven system, refined over three decades, goes beyond debt relief. We provide strategic access to capital and recapitalization options, empowering businesses to stabilize, grow, and thrive. Our comprehensive approach ensures your business is positioned for long-term success, not just temporary relief.
Trusted by Creditors
Creditors consistently appreciate Valcor’s professional, fair, and collaborative approach to restructuring. Our reputation for integrity and effective solutions has led many creditors to refer their troubled clients to us, confident that we will work toward mutually beneficial outcomes that protect both the business and the creditor’s interests.