Solving Difficult Business Problems | SBA Loan Default Experts

Believe Me, Equipment Leases Can Be Worked Out!

On July 28, 2010, in Business Workouts, Debt Workouts, Solving Difficult Business Problems, by Don Todrin

When discussing business debt workouts with small business owners, we frequently find that they overlook their equipment leases when we discuss their debt. For some reason, small business owners tend to believe a lease can’t be worked out and they are often surprised when I tell them that the exact opposite is true. The workout, however, requires a cash payoff, as the lessor is usually willing to negotiate a short sale but not a short finance arrangement. We have done this with medical equipment for many doctors (including chiropractors, dentists, optometrists, general practitioners), as well as printers, restaurant equipment and any other imaginable business asset.

Leasing is simply a slightly different form of financing. It is true that when you lease, you do not hold title to the item until the end of the lease when you often have an option to purchase the equipment for an agreed upon amount. However, this does not change the reality that the equipment is worth decidedly less than the lease payments indicate, and the lessor does not want the equipment back for reasons similar to those of the banks that will engage in a workout. The cost of liquidating the collateral and the resulting revenues are usually much less than the amount owed, thus there is a basis for a workout. It is usually a tougher workout, sometimes not quite as reduced as with a bank, but it’s still a terrific deal for the lessee.

If you are laden with leased equipment and choking on the payments, call us. We can negotiate a workout that will reduce your monthly overhead significantly as well as add value to your bottom line. Do your debt workouts, even with leases.

Call us. Norm will arrange a no-obligation teleconference for us to discuss your options: 413-584-2581.

About Don Todrin

Don Todrin is the CEO and Founder of Second Wind Consultants, Inc.. Don and his company specialize in SBA Loan Workouts, Offer in Compromise, business debt forgiveness and solving difficult business problems in general. Follow me on Twitter or become a fan of Second Wind Consultants on Facebook.

Your 401k: Should You Disclose Its Existence And Value In A Workout?

On July 26, 2010, in Business Workouts, Business debt workouts, Debt Workouts, SBA Loan Workouts, SBA Loans, SBA debt forgiveness, Solving Difficult Business Problems, debt forgiveness, by Don Todrin

Congress passed a bill creating a 401k retirement plan that any individual can contribute into for the purpose of developing a personal retirement fund with valuable tax advantages and protection from creditor attack. It cannot be attached, invaded in any way or liquidated by creditors.

I believe that this supports the decision to omit such information from a financial statement used for any external purpose such as loans or workouts. Since it is unavailable to the creditors, there is no reason to include it in one’s balance sheet or financial statement.

If you have a large retirement fund in a 401k and are simultaneously defaulting on a loan, it colors the minds and decision-making attitudes in a workout evaluation. This is only natural and thus the mere existence of a 401k affects the outcome of a workout—this is not what Congress intended. In fact, if this is allowed to occur, if the mere existence of one’s 401k causes a different conclusion in a workout scenario, then it has, in fact, been materially invaded and partially liquidated as the resulting implication is that it should be used to increase the workout payoff. This is wrong.

In conclusion, I believe it is inappropriate to include your 401k on your financial statements when presented for a debt workout and when asking for debt forgiveness.

About Don Todrin

Don Todrin is the CEO and Founder of Second Wind Consultants, Inc.. Don and his company specialize in SBA Loan Workouts, Offer in Compromise, business debt forgiveness and solving difficult business problems in general. Follow me on Twitter or become a fan of Second Wind Consultants on Facebook.

Tell Us Your Story–Your Family And Employees Are At Risk. We Are Listening And We Care.

On July 23, 2010, in Business Turnarounds, Business Workouts, Business debt workouts, Employees, Family and Business, SBA Loan Workouts, SBA Loans, SBA debt forgiveness, Solving Difficult Business Problems, debt forgiveness, the economy, by Don Todrin

Margins are being pinched and debt remains what it was when things were much, much better… and it’s choking the life out of your business. This is personal. It results in the destruction of not only business enterprise, but also of families.

The banks consider it just a matter of numbers. They are not concerned about the effect foreclosure will have on you, your family and the families of your employees. It is of no importance, or even relevance, to them and thus they are not listening or paying attention at all to the plight you all find yourselves trapped in.

Is it important? Does anyone care? Is anyone interested in what is happening to small business owners trapped in this recession? Not the banks, that’s for certain, but we are listening, we care and to us, it is important, very important. We understand that this is not just about numbers, it is about jobs and your family’s survival. Your family, and the families of the employees who are counting on you to provide them with a job to survive this difficult time. Everyone knows that when one loses a job in this economy replacing it can take a year or more, or forever, as many, many jobs will not return, ever.

Why do we care? Why are we interested? What good does it do for us to understand the situation if it is not relevant to the bankers or SBA?

A few reasons:

1) We are all people working our hardest, doing our best and fighting the same battles, mostly alone. We understand how lonely that gets and it is important for everyone to have an opportunity to explain what is happening to them and to get some inside advice. Frequently, the issues are far more complex than simply dealing with debt. Frequently, it is also about downsizing, reinventing yourself, figuring out how to not only survive, but also to prosper in this down economy.

We have a deep understanding about how to accomplish this and when we listen to our prospects or clients we are always listening with an inclination to help the small business owner overcome adversity, make right decisions and successfully navigate the turmoil they are confronting. It is not just about debt, it is about helping them overcome the issues causing them difficulty, helping them to restructure, adjust, downsize, and emerge, in addition to doing the debt workouts. Why do we do this? Because we understand what is at risk and what the real cost of failure is to everyone involved in your business and their families. We understand it’s not solved by debt workouts alone—it is about making systemic business changes to meet the needs of the transition.

2) We also understand that a small business owner in distress needs to vent and let it out. You need to talk to someone who listens, pays attention and supports. It is important—we all need this and we provide this whenever possible.

3) If we know what has happened to you we can include the important issues in our presentation to the bank. It may not be relevant to the workout but it is relevant to the listener as we are all mostly the same. We all have feelings and most have families. In conversation, without whining or complaining, if we can make the workout more personal and more about the individual, we can get some additional traction in the workout. It’s human nature to care and understand if information is appropriately presented. We can do this, the borrower in default cannot. It is important to make the workout personal to the banker in charge as when we succeed at doing this the results are better, often much better.

Thus, we listen very carefully and want to hear what has happened and what is at risk so that we can help direct you more effectively. We can give you the opportunity to safely vent and explain, and we can support your workout with the banker by making it more personal.

This works, we do it. Call us at 413-584-2581 and tell us your story. Let us help you succeed. Norm will arrange a no-obligation teleconference for us to discuss your issues and provide you with solutions… and listen to your story. It is important and relevant.

About Don Todrin

Don Todrin is the CEO and Founder of Second Wind Consultants, Inc.. Don and his company specialize in SBA Loan Workouts, Offer in Compromise, business debt forgiveness and solving difficult business problems in general. Follow me on Twitter or become a fan of Second Wind Consultants on Facebook.

A Four Day Work Week… For The Summer, At Least. Why Not?

On July 23, 2010, in Building Profitable Business Orgs., Employees, Solving Difficult Business Problems, by Don Todrin

I have observed that, for many reasons, many small businesses slow down over the summer. It could be the seasonality of some goods or services offered, it could be because local schools and universities are on break so the students and faculty are gone for a couple of months. It could just be that many people take vacations and thus are uninterested in your service or product one any given week or two. If people head for the beaches and clear out of town, it may reduce your market for the summer. And on it goes. Whatever the reason, for many, the summer is frequently a lot slower business-wise than the rest of the year.

Why not take advantage of it and provide Fridays off during the summer? I do this in my office. We have all agreed to work an extra hour during the week, but we take Friday off. I was going to take Fridays off this summer and I decided that if it was good for me, it was good for my employees as well, so that is the policy I have implemented. Of course, our clients come first, so they have our cell phone numbers and should there be any “emergency” or necessity to communicate, we are quite available. However, for all intents and purposes, we have the day off. Three day weekends all summer and it is terrific.

Has productivity gone down? No, it’s up, actually. Is everyone happy? You bet. Are they working the extra hour to compensate? Absolutely.

So, what do I gain? A very happy workforce, both very productive and very committed. What did it cost me? In my analysis, nothing.

Obviously, this will not work for every business. Certainly retail cannot shut down for a Friday or a long weekend, and many other types of service businesses also cannot tolerate such a program, but some can. Those that can are often prevented from doing so by notions that such an act is costly and will reduce revenues. Not so. If planned well and managed properly, it is a win/win for everyone.

We cannot be overly concerned about being generous. In the end, treating our employees better builds commitment, longevity and develops quality organizations. This is one way to add value to the job and to your business.

About Don Todrin

Don Todrin is the CEO and Founder of Second Wind Consultants, Inc.. Don and his company specialize in SBA Loan Workouts, Offer in Compromise, business debt forgiveness and solving difficult business problems in general. Follow me on Twitter or become a fan of Second Wind Consultants on Facebook.

Stop Making Partial Payments On Your Loans. Default Is Default. Do The Workout.

On July 21, 2010, in Business Turnarounds, Business Workouts, Business debt workouts, Debt Workouts, SBA Loan Workouts, SBA Loans, SBA debt forgiveness, Solving Difficult Business Problems, debt forgiveness, by Don Todrin

I hear it all too often. Small business owners are in default, making voluntary partial payments thinking that this somehow helps them stay in honor and that it will satisfy the bank and that it is “the right thing” to do. They are paying what they can even if it is less than what is owed, wanting to “do their best” by demonstrating that they are trying and believing that this will somehow serve their best interests with the bank and support a more gentle approach to their default and ensuing workout. At least,that’s what they hope. They believe that if they are at least making an attempt to perform as promised then partial payment satisfies their word and commitment, if not to the penny at least to the point of honor.

Not so. If this sounds familiar, then you need a dose of reality. You are wasting cash and gaining little advantage.

First, a basic concept: Default is default. Partial payments without a written agreement authorizing such are a waste of cash. They do nothing to improve your predicament nor the outcome. “Default” is a term controlled by your loan agreement; either you pay in full as agreed or you are in default. Partial payments outside of a written modification do nothing to alleviate or change this situation other than to needlessly waste precious money better used for other purposes.

The underlying issue, however, is the need borrowers feel to act honorably and do what they believe is the “right” thing to do.

Stop this silliness. A business contract is not affected by acting honorably while you’re defaulting on the terms agreed upon. Despite your hope that it does count, it does not. As stated, default is default. There is no such thing as honorable default, it is simply default. A defaulting borrower will suffer the same consequences as a partial payment-making, honorable, defaulting borrower, so what is the point of making partial payments? There’s no point, whatsoever. It is not more honorable to make partial payments than to not pay at all. Remember, default is default. (If it makes you feel better, donate the money to charity; it will have the same effect on your loan workout as partial payments.)

The only way honor enters the equation is when you communicate appropriately, explaining to the bank you cannot make full payment. Cooperating with their requirements and not avoiding the issue—in other words, entering into a workout scenario—as soon as you are aware that you cannot comply with your agreement, that is the honorable thing to do. Partial payments are meaningless and represent avoidance of the real issue: acceptance of the responsibility to either pay or suffer the consequences, honorably.

Your remaining cash should be used for personal preservation and other appropriate necessary expenditures, not thrown at the feet of the bank with a request for leniency because you are “doing your best.” It’s not enough and requesting leniency will not have the desired result.

It is irresponsible to throw money away in a time of great need. To act honorably is to confront the issue as soon—and as honestly—as you can. This, you should do. Cease making partial payments immediately. Do the workout; that is what is most honorable.

About Don Todrin

Don Todrin is the CEO and Founder of Second Wind Consultants, Inc.. Don and his company specialize in SBA Loan Workouts, Offer in Compromise, business debt forgiveness and solving difficult business problems in general. Follow me on Twitter or become a fan of Second Wind Consultants on Facebook.

Lost Your Lease, Going Out Of Business… A Total Loss.

On July 19, 2010, in Building Profitable Business Orgs., Business Turnarounds, Cooked books, Solving Difficult Business Problems, the economy, by Don Todrin

We have all seen it many times, large signs exclaiming that a business has lost its lease and must go out of business. Of course, a business can move to another location. However, frequently, there are inadequate funds for another build-out or the expense of a move makes it prohibitive. There could be many obstacles preventing a business from succeeding or emerging in any way after their lease is lost.

Usually, this would only happen if the business is having difficulty paying its rent and thus forces the lessor to exercise his rights and end the lease for reasons of default. However, often there are other reasons such as a better tenant wanting the space, a large increase in rent that makes it unaffordable, or any one of a dozen other reasons that, in the end, result in a lost lease and a business forced out of business. What is the alternative? How does a small business protect itself against the indiscriminate actions of a lessor who has his own interests in mind, which may not serve the best interests of the lessee, you, the small business owner? This situation is a collision course on which the tenant always loses.

Another moment of truth occurs when a small business owner wants to sell his business and has a lease with a short-term remaining and a buyer wanting to renegotiate the lease before he buys the business, the success of the sale then being dependent upon a successful negotiation with the lessor. Not a comfortable position to be in, as the lessor will act in his own best interests, not those of the business owner. I have seen quality businesses in the process of a sale unable to close because the lessor would not cooperate with the transition. Total loss results. Nothing to sell without a lease in place on terms and conditions the buyer will accept.

One option that clearly will not apply to every business, but which is an alternative, is to buy your space. Own it, control it and control your destiny. In this economic recession, business condos are selling very inexpensively and other real estate opportunities exist as the market continues to melt down and prices drop. This solution is not for everyone, however, when it comes time to sell your business, owning the real estate gives you many valuable options such as selling the business and leasing the space to the new buyer. This works. Selling the real estate with the business equals added profit and additional opportunity to enhance the deal with added value. This also works.

Again, this is not for everyone but it is worthy of consideration. Examine local opportunities and see if you can find something that will work for you. Control your destiny rather than allow others to control it for you. Enhance your opportunity to sell your business successfully by controlling your real estate.

Think about it and explore your options; it may be a good move for you and your business.

About Don Todrin

Don Todrin is the CEO and Founder of Second Wind Consultants, Inc.. Don and his company specialize in SBA Loan Workouts, Offer in Compromise, business debt forgiveness and solving difficult business problems in general. Follow me on Twitter or become a fan of Second Wind Consultants on Facebook.

We Are Winning. The Battle Toughens But The Banks And SBA Are Giving Us The Workout Results We Need: Debt Forgiveness.

On July 19, 2010, in Business Turnarounds, Business Workouts, Business debt workouts, Debt Workouts, SBA Loan Workouts, SBA Loans, SBA debt forgiveness, Solving Difficult Business Problems, debt forgiveness, by Don Todrin

When we get into the clinch and fight it out, in the end, workouts are being accepted and our program is wildly successful. We’ve had a recent flow of very successful workout conclusions with the banks and with SBA guaranteed loans; they will not admit it publicly, nor will they give up their unreasonable demands for repayment and intimidating attacks on borrowers in default. This is not new. We have been successfully resolving issues by workout and debt forgiveness—hundreds of loans for many years—however, as we get more creative and more demanding, the banks are being more responsive and more willing to concede victory on our terms.

On the surface and at first pass, the barriers appear insurmountable. However, we have long-ago learned that “No” means “Yes, just not today.” And since we are committed to a workout that will actually work, we hold our ground and get what our clients need to survive and reemerge successfully without a huge loss of assets and with resolution of debt and personal guaranties for affordable amounts of payout. “Affordable loss” is what we call it.

There is, however, an apparent trend that we are observing in our workouts and it is simply this: creative workouts that may have been rejected before are now being accepted, but the battle gets tougher. The banks and the SBA are fighting hard, putting up much resistance and applying a full spectrum of self-serving strategies that include: seizing assets, garnishing wages, lawsuits, foreclosures on homes, etc. It appears that if we survive the flurry of threats and assaults, we get to a resolution, on our terms—a resolution that works. The good news is, we do better every day. The bad news? The banks are getting more aggressive every day.

In conclusion, workouts are absolutely the only way to resolve defaulted debt issues and the sooner you get it done, the sooner you can begin your recovery.

Call us before your banker takes aim at you. They are using deadly force and high-caliber ammunition and are to be respected. We have the solution… an effective workout plan. But, you must call us. Do it, we can help. Call 413-584-2581 and Norm will arrange a no-obligation teleconference for us to discuss your options.

About Don Todrin

Don Todrin is the CEO and Founder of Second Wind Consultants, Inc.. Don and his company specialize in SBA Loan Workouts, Offer in Compromise, business debt forgiveness and solving difficult business problems in general. Follow me on Twitter or become a fan of Second Wind Consultants on Facebook.

Your Obligation Is To Survive And Reemerge.

On July 16, 2010, in Building Profitable Business Orgs., Business Turnarounds, Business Workouts, Business debt workouts, Debt Workouts, Employees, Family and Business, SBA Loan Workouts, SBA Loans, SBA debt forgiveness, Solving Difficult Business Problems, debt forgiveness, by Don Todrin

Why are you acting as though you even have an option? It is clear—you must surrender to your obligations and then it will be easy. You have taken on the responsibility to be an entrepreneur, a small business owner. Your family and employees are trusting you to succeed as they depend on you for support. You could have taken the safe route, i.e. “getting a job.” Predictable? Maybe. Dependable? Sometimes. Consistent… for as long as it lasts.

But, you decided to be a small business owner. Ok, fine, but this entails some additional responsibility that you must never forget.

1) Your family depends upon your success. This is an unalterable commitment that must be satisfied. If you have a family there are no options.

2) Your employees are trusting you to keep them employed as they have also made unalterable commitments to their families, commitments that are also now your responsibility. You must continue to provide employment for those who trust you and are depending upon you for the well-being of their own families.

3) You have, of course, made commitments to vendors, suppliers, the bank (if you have borrowed money) and investors or friends and family who may have lent or invested in your dream. They, too, are expecting you to succeed and to repay them what is due or pay for the services you have received.

And then… there are the commitments you have made to yourself—commitments to personal success, what every business owner needs to do.

This, we can all agree on, yet I talk to so many business owners in default on their loans (or soon to be in default), in arrears to vendors, landlords, etc., just cruising into oblivion with sharply reduced revenues and growing overhead, on a collision course for disaster. Regardless, they choose the less aggressive, safer course which is doing nothing and hope for a miracle—as if a miracle is likely to occur. Meanwhile, resources erode and time slips by and eventually you violate all your commitments and fail. In the end, you’re unable to take the only step that would save your business, jobs and your collective families, all of whom are depending upon you, because you are uncomfortable or just unwilling to do the workout you need to do to survive, in control and ready for successful emergence.

Yes, I know, we all want to pay our bills and none of us want to default on the bank, however, if this is the path to resolution then this is what you must do. It is a matter of priority. Should you choose to go down with the ship, an “innocent” victim of a bad economy and take everyone with you, or make the tough, uncomfortable decision to survive no matter what and do the debt workout?

It’s your call. Better yet, call us, we will take the burden off of you and resolve your debt issues while you focus on your business. Hallelujah.

Call 413-584-2581 and Norm will arrange a no-obligation teleconference for us to discuss your debt workout options and plan.

About Don Todrin

Don Todrin is the CEO and Founder of Second Wind Consultants, Inc.. Don and his company specialize in SBA Loan Workouts, Offer in Compromise, business debt forgiveness and solving difficult business problems in general. Follow me on Twitter or become a fan of Second Wind Consultants on Facebook.

Apple iPad: The Best Thing That’s Happened To My Business!

On July 14, 2010, in Building Profitable Business Orgs., Business Turnarounds, Business Workouts, Debt Workouts, Employees, Family and Business, Sales and Marketing, Solving Difficult Business Problems, by Don Todrin

Yes, I’ve read the reviews saying an iPad is an iPhone on steroids, a supersized iPhone, another unnecessary electronic gadget, etc. But, I bet these “reviews” come from people not yet using one on a daily basis or not yet addicted to the iPad’s incredible capabilities.

I bought mine the first night it was available. I stood in a long line in Manhattan at 1:00 am in the morning… and left with the most effective and functional device I have ever owned. In short, it has changed my business life for the better and has made my life easier in general.

I am in the business of debt workouts, i.e. removing debt from businesses. Many of my clients have occasional emergencies requiring quick response and action to protect their assets. I must be available and ready to communicate with others effectively at all times. Yes, I could do this with my cell phone, but it’s oh-so-much-better with my iPad due to the mere fact that it is both 3G and internet capable. It allows me to have instant access to email, the internet, my blog and all the contracts, forms and other tools I use in my business every day, wherever I may be. With this incredible tool, I can not only receive and send emails and blog at will, but I have various forms and contracts stored in it and can utilize its capabilities in many meaningful situations that I was previously unprepared for.

Some argue that their laptop does this and more, which is true (other than the 3G part, which is huge). However, I seldom carry my laptop everywhere I go, and am not likely to whip it out in cars, cabs, bus stops, the beach, etc., as it is too cumbersome, too much of a project to boot up and use on the run, too big to carry everywhere I go… I never have my laptop with me when I want it as I do not make it a habit to carry it everywhere I go.

However, my life has changed; I can carry my iPad with me anywhere I go. It is always on and available like a cell phone and because of its size and its touch keyboard, it is always ready to give me the business tools I want or need. Obviously, I blog, and what a delight to be able to blog anywhere I am, whenever the inspiration strikes, whether it be when I am shopping with my wife or waiting in the car to pick someone up at the airport. Anywhere I am, it is ready and available for instant action.

Sure, you can do this with your Blackberry or iPhone—I have the new Droid, which is very powerful, but I do not use it for all its capabilities because, frankly, it is too small and thus impractical. I do, however, use my iPad… it really works. Now, I go nowhere without my iPad.

If it IS only a supersized iPhone, well, then it’s the best gimmick around and has totally won me over.

About Don Todrin

Don Todrin is the CEO and Founder of Second Wind Consultants, Inc.. Don and his company specialize in SBA Loan Workouts, Offer in Compromise, business debt forgiveness and solving difficult business problems in general. Follow me on Twitter or become a fan of Second Wind Consultants on Facebook.

Not Prepared For Victory… And No Wonder.

On July 14, 2010, in Building Profitable Business Orgs., Business Turnarounds, Business Workouts, Business debt workouts, Debt Workouts, Employees, SBA Loan Workouts, SBA Loans, SBA debt forgiveness, Sales and Marketing, Solving Difficult Business Problems, debt forgiveness, the economy, by Don Todrin

Recently, I have noticed a phenomenon: Small business owners are not prepared for victory.

Small business owners have been turned into fist-fighting warriors, battling for survival. Reduced revenues, high overhead and, especially, unaffordable debt service have forced you to become cash flow experts, accounts payable jugglers and downsize experts. You’re taking blow after blow, suffering from unimaginable pain and frustration yet maintaining the vigil and battling daily to stay afloat. Nothing new here, this you all know and understand. This is your plight. What choice do you have?

The real issue is, those who are doing the debt workouts and experiencing loan forgiveness are, in some instances, stuck in fight mode or a defensive posture, still fighting a battle which is now over as they have eliminated the major cause of destruction of their small business: overburdening debt. The small business owner must make a huge adjustment from times of war to peace and many trip up in the transition, forgetting that peace requires different skills. Successful emergence requires surrendering to victory. It seems like a heavenly prospect, yet it’s very hard to do when you’ve been engaged in fierce battle for the past few years.

So what is the problem?

The problem is the inability of small business owners to make the transition from warrior to peacetime leader, once again taking the team to victory, instead of fighting impossible battles. When the battle is over we have no need for the warrior. When you successfully remove the debt and reduce your personal guaranty—in other words, when the battle is over—you need to be a builder, a developer, a thinker, a planner, a marketer… not a fighter or a warrior. The small business owner must wear many hats. For the past few years, for many, it has been a warrior’s helmet as you enter into battle, tenaciously holding on to your business. Do the debt workout and your hat becomes that of a leader, a builder, a marketer, a manager…

Let us not trip over the finish line. Leave the battle behind. Be the leader you can be and lead your business to victory. Once you have completed the workout, engage in the turnaround and be a peacetime leader, ready to carry your company to the promised land of security and safety. It is not easy. It requires different skills, but you can do this.

This is a huge challenge for the small business owner, one that is resulting in many failures. It is a difficult and dangerous transition from war to peace, but it can be done. Be careful and call us for help: 413-584-2581.

About Don Todrin

Don Todrin is the CEO and Founder of Second Wind Consultants, Inc.. Don and his company specialize in SBA Loan Workouts, Offer in Compromise, business debt forgiveness and solving difficult business problems in general. Follow me on Twitter or become a fan of Second Wind Consultants on Facebook.

Believe Me, Equipment Leases Can Be Worked Out!

About Don Todrin

Your 401k: Should You Disclose Its Existence And Value In A Workout?

About Don Todrin

Tell Us Your Story–Your Family And Employees Are At Risk. We Are Listening And We Care.

About Don Todrin

A Four Day Work Week… For The Summer, At Least. Why Not?

About Don Todrin

Stop Making Partial Payments On Your Loans. Default Is Default. Do The Workout.

About Don Todrin

Lost Your Lease, Going Out Of Business… A Total Loss.

About Don Todrin

We Are Winning. The Battle Toughens But The Banks And SBA Are Giving Us The Workout Results We Need: Debt Forgiveness.

About Don Todrin

Your Obligation Is To Survive And Reemerge.

About Don Todrin

Apple iPad: The Best Thing That’s Happened To My Business!

About Don Todrin

Not Prepared For Victory… And No Wonder.

About Don Todrin

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