The firm, which specializes in MCA debt settlement, argues that the current $20 billion industry is rife with predatory sales tactics, particularly regarding promises of quantified savings made before any contract review. According to CEO and co-founder Vinay Metharamani, offering a specific percentage of savings during an initial consultation is a closing technique rather than a professional projection. Delancey Street suggests that any firm providing such figures without analyzing a merchant’s specific agreements or funder positions is prioritizing sales over transparency.

The checklist advises owners to challenge providers on their savings guarantees, request specific disqualifiers for their programs, and demand a concrete strategy for when funders refuse to negotiate or initiate litigation. Delancey Street has publicly provided its own answers to these questions, including a refusal to quote savings percentages upfront and a candid list of circumstances under which they would decline to enroll a client. The firm maintains that any provider using artificial deadlines or high-pressure sales tactics is signaling a lack of professional integrity. This guide is now available on their website without requiring registration or financial disclosure.