If you’re feeling the pressure of rising debt right now, you’re not alone — especially here in New York.

In 2025, American household debt has hit an all-time high of $18.04 trillion, with the average household owing over $105,000. Credit card debt alone has soared past $1.21 trillion, and more people are falling behind on payments than we’ve seen since the 2008 recession.

Small business owners are being hit just as hard.
A recent study found that 45% of U.S. small businesses are struggling so much with cash flow that owners are skipping their own paychecks — and 22% are having trouble covering even basic bills.

At LoanFixer, we know how overwhelming debt can feel. But we also know how to fix it — safely, quickly, and without ruining everything you’ve worked so hard to build.

The Real Cost of Ignoring Debt

When debt becomes overwhelming, it’s easy to freeze up and hope the problem goes away.
But ignoring debt almost always makes things worse.

Here’s what can happen if you don’t take action:

• Credit Damage: Missed payments and defaults crush your credit score, making it harder to borrow money, lease space, or get insurance.
  
• Aggressive Collection: Creditors can (and often do) file lawsuits, freeze accounts, or even seize business assets.
  
• Stress and Health Issues: Financial stress doesn’t stay in your wallet — it spills into your health, sleep, and relationships.
  

If you’re feeling the squeeze now, the smartest thing you can do is take steps to fix it before it spirals.

How LoanFixer Helps New Yorkers Beat Business Debt

LoanFixer was built for moments like this.
We work with small business owners and middle-class families across New York and beyond to create clear, manageable paths out of overwhelming debt.

Here’s what we offer:

1. Free, Private Consultation

You can talk with one of our debt specialists — completely free and confidential.
We’ll map out where you stand, what your options are, and what a realistic solution could look like.

2. Cash Flow Solutions (If Eligible)

Some businesses qualify for fast cash flow support to help stabilize their operations while we negotiate better terms with creditors.

3. Direct Negotiation with Lenders

We don’t just give advice — we roll up our sleeves and negotiate directly with your lenders. Our goal is to:

• Lower the total amount you owe
  
• Stop harassing collections
  
• Protect your assets and business
  

4. A Fast Track to Debt Freedom

Many of our clients become debt-free in 6–18 months — far faster than slogging through years of minimum payments and growing interest.

What You Should Do Right Now

If you’re struggling with debt, the worst thing you can do is wait.
Here’s where to start:

• Get clear on what you owe. Write it all down: balances, minimum payments, interest rates.
  
• Prioritize critical bills. Focus on keeping your business running — like rent, payroll, and utilities.
  
• Call in professional help. You don’t have to figure it all out alone — and you shouldn’t.
  

Let’s Fix This Together

You’ve put too much into your business — and your future — to let debt take it away.

LoanFixer is here to help you protect what you’ve built, regain your peace of mind, and get back to growing.

👉 Schedule your free consultation now — your future self will thank you.

Debt doesn’t have to define you.
Action does.