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HEED specializes in representing a business in the restructuring, negotiation and liquidation of problem business debt. Fast and with full transparency.

Our clients often don’t realize that their creditors are willing to negotiate a private out-of-court plan for their business debt. A private out-of-court plan is attractive to (B2B) creditors because it offers significant advantages over Chapter 7 and Chapter 11 business bankruptcy. Depending on your unique situation your creditors;

  • Realize they may get no further payment if you file Chapter 7 business bankruptcy.

  • Understand they will lose control over your debt repayment plan if you file Chapter 11 business bankruptcy.

  • Enter into a private out-of-court debt restructuring agreement rather than get involved with the formal (and costly!) legal process of business bankruptcy.


To reach a negotiated restructured amount with a creditor or the attorney or collection agency representing a creditor, on behalf of a business debtor. Every endeavor is made to restructure a business debt to the level that is feasible for both sides while putting in best efforts to enable a debtor's company to continue doing business.


HEED and the client get together to review all facts regarding the debt origination. HEED undertakes an analysis using its copyrighted system and will then contact the creditor(s). HEED then negotiates and restructures the amounts using our specialized systems. 


No Result, No Fee. If we do not reach a restructured amount to your satisfaction, you pay nothing. We are paid on performance only and we are proud to realize over 95% success rates (98% YTD in 2022). Our fees are based on a modest percentage of the money saved in the restructuring.

Other services we provide are capital acquisition and (if desired), we consult on business improvements and automation. 


  • Problem debts

  • Disputed bills

  • Invoices and statements

  • Past due invoices

  • Lawsuits and Judgements

  • Workers Compensation Arrears

  • Delinquent Property or Rental & Leases

  • Delinquent Machinery/Office Equipment Rental & Leases

  • Business Loans

  • Mortgage on Business Property/Properties

  • Capital Payments Due for Improvements or Construction

Any Liability overdue by 120 days;

  • Quick Solution

  • Prevent or Stop Lawsuits

  • Results or No Fee

  • Restructure and Liquidate Business Debts

We have helped numerous companies in NJ, NY and PA.

  • Avoid (Chapter 11) Bankruptcy

  • Avoid Liquidation

  • Eliminate Financial Trouble

  • Cost Effective

  • Not Debt Consolidation but a True Solution, directly between you and your creditors

Creditors have attorneys and collection agencies to turn to when there is a problem with an account receivable. Their actions turn into an immediate increase of cost to you when having to defend yourself.

Who does your company have to help you when there is a problem bill or a cash flow crunch? There are more cost effective ways to deal with these issues.

Leave it to us, the experts at HEED. Especially since we offer a no success, no fee approach; we have to be good at what we do.

We help you with Overdue Invoices (lawsuits, judgments included), Debt Restructuring, Capital Acquisition, IT, Operations and other (Small) Business Support services. Take our effort and try us first at our expense. We are based in New Jersey and accredited by the State of New Jersey as an SME. We Operate in NJ, NY and PA.

Please note that we are not a law firm and do not render legal advice. If the services of an attorney are required, then only a law firm can provide such legal services. We are not a “debt settlement” firm and do not work with consumer debt.

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