Georgia Real Estate MCA Debt Relief Success Story

“I know what it feels like when things start to shift fast and you’re really just trying to survive. So, the real estate market took a turn and I thought taking out an MCA loan was a smart, short-term solution. But what I did not understand was how different it was from traditional loans. The tipping point for me was when I was waking up every day seeing those daily drafts hit my account. I felt like I was working non-stop just to stay afloat. Filing for bankruptcy did not feel like the right move for me.”
~ Kymerlee Music

Results Snapshot

Debt Reduction Achieved:
54.4%

$4,514.45

/Week

Previous MCA Payments

$831.22

/Week

New Restructured MCA Payments

$3,683.23

Weekly Savings
$39,529.14
Total Original Debt
$18,000.00
Settlement Amount
$21,529.14
Saved
16+ Months
Time In Program:

Information About the Results Snapshot

The figures shown reflect the individual client experience described on this page and are based on client-reported information, applicable program records, and the settlement terms included in the calculation.

 

For purposes of the Results Snapshot:

 

  • “Previous MCA Payments” means the client-reported aggregate weekly MCA payments or withdrawals before enrollment.
  • “New Restructured MCA Payments” means the client’s scheduled weekly contribution to the Coastal Debt Resolve program. It is not necessarily a payment made directly to creditors and may include Coastal Debt Resolve fees, authorized third-party fees, and funds intended for settlements.
  • “Weekly Savings” means the difference in scheduled weekly cash outflow between the client-reported prior MCA payments and the weekly program contribution. It does not represent net economic savings.
  • “Total Original Debt” means the asserted balance or balances included in the settlement calculation and may exclude other enrolled, withdrawn, excluded, or unresolved obligations.
  • “Settlement Amount” means the amount or amounts paid or payable under the negotiated settlement arrangements included in the calculation.
  • “Saved” means the gross difference between the asserted balances and negotiated settlement amounts. It does not represent net savings after Coastal Debt Resolve fees, authorized third-party fees, taxes, or other costs. If payments remain ongoing, the reduction is contingent upon timely completion of the applicable settlement terms.
  • “Time in Program” means the period from enrollment through the date of the Results Snapshot and does not necessarily mean that the program or every enrolled obligation has been completed.

 

This testimonial reflects an individual business experience. Results vary based on individual circumstances and creditor participation, and outcomes are not guaranteed

“I came across Coastal Debt Resolve, and they came highly recommended, and I knew I needed experts. From the very first conversation, their team gave me peace. Alecha has been absolutely incredible, walking me through every high and low. And they’ve lifted a big weight off of my chest knowing I wasn’t going to lose everything and my family was protected. And today, in my business, my cash flow is a lot more manageable and my stress is much lower.”
~ Kymerlee Music

How

Music Homes, LLC

Succeeded

The Challenge

For Kymerlee Music and Music Homes, LLC, the struggle began when a sudden shift in the real estate market turned what seemed like a smart, short-term MCA into a daily financial anchor. Unlike traditional financing, the high-frequency daily drafts hit her account relentlessly, creating a tipping point where Kymerlee felt she was working non-stop just to stay afloat. With weekly payments totaling $4,514.45, the constant drain on cash flow threatened not only her business operations but also her family's long-term security.

Meet the team

Debt Reduction Achieved:
54.4%
The Director of Settlement Operations at Coastal Debt Resolve, Nathan Mor, smiles at the camera with a blue, button-down shirt.
Nathan Mor
Settlement Advisor Spotlight

With eight years of experience, Nathan Mor has encountered virtually every MCA debt scenario imaginable. He leverages this deep industry knowledge to quickly assess your unique situation and engineer the best possible path to relief.

“For me, the ultimate reward is seeing a business owner regain control of their operations and chart a clear path toward financial freedom.”

Account Manager Spotlight

Alecha understands that the tipping point for an MCA borrower is often filled with anxiety. When she speaks to a client who sounds nervous on the phone, her first priority is validation. She acknowledges the stress of the situation and reassures the business owner that they no longer have to handle the burden alone. Her role is to act as the navigator, ensuring the process is as smooth and transparent as possible.

“I love helping small businesses because you’re not just supporting a company, you’re supporting someone’s vision, livelihood, and future. Being able to guide them through challenges and help create stability and growth is the most rewarding part of my career.”

Alecha Edwards, an MCA debt relief account manager at Coastal Debt Resolve, smiles with braces in a blue, professional suit.
Alecha Edwards
Proof

Settlement Documents

54.4%
Savings
Debt:
$39,529.14
Paid
$18,000.00
a document with black text
View Settlement Document

Information About the Settlement Results

“Debt” means the asserted balance or balances included in the calculation. “Paid” means amounts paid or payable under the applicable settlement arrangements and does not necessarily mean that all settlement payments have been completed. “Savings” means the gross difference between those amounts, not net savings after Coastal Debt Resolve fees, authorized third-party fees, taxes, or other costs. If payments remain ongoing, the stated reduction is contingent upon timely completion of the applicable settlement terms.Coastal Debt Resolve is not a law firm and does not provide legal, financial, or professional advice. Services are provided exclusively to businesses, not consumer or personal debt relief. Debt-resolution outcomes are not guaranteed.

Start resolving your MCA debt today with your own dedicated team!

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Frequently asked questions

How did Kymerlee achieve an 81% reduction in weekly payments?
Through our proprietary restructuring process, we negotiated the high-frequency daily drafts into a single, manageable weekly payment. For Kymerlee, this meant dropping her weekly obligation from $4,514.45 down to just $831.22, giving her the immediate cash flow needed to keep Music Homes, LLC operational.
Was this a debt settlement or a total liquidation?
Unlike Article 9 or liquidation firms that often force a business to shut down, Kymerlee’s program was a restructuring. The goal was to protect her business and her family’s peace of mind while resolving the debt. She was able to keep her business running throughout the entire 16+ month program.
Did the daily drafts stop immediately?
Yes. One of the primary goals of our Above Board process is to stop the survival cycle of daily drafts. We worked to ensure that the suffocating daily withdrawals were replaced by a schedule that aligned with her actual business revenue.
How much did Kymerlee actually save in total?
Nearing the end of her program, Kymerlee had achieved a 54.4% total debt reduction, resulting in a verified total savings of $21,529.14. These results are documented and verified through her final settlement letters.
Can this work for real estate or construction businesses like hers?
Absolutely. Kymerlee’s business, Music Homes, LLC, faced specific challenges related to market shifts. Our team specializes in industries with fluctuating cash flows, such as real estate, construction, and trucking, ensuring that your restructuring plan is realistic for your specific industry.

More Success Stories

Blue Mountain Contractors LLC
Utah contractor James Musser worked with Coastal Debt Resolve to address multiple business debt obligations and reduce scheduled weekly cash outflow by approximately 58.8%.
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Alabama cattle farm owner James Stinson worked with Coastal Debt Resolve to reduce his scheduled weekly cash outflow by over 62% and negotiate two MCA settlements reflecting a potential gross balance reduction of approximately $83,807 upon timely completion.
Diana's Cleaning Service LLC
Florida cleaning service owner Diana Escobar saved over $17,881.80 on her MCA debt. Coastal Debt Resolve helped save the business and restore her cash flow.
Central Bark LLC
Pennsylvania doggy daycare owner Eleesa Collins saved $19,837.92 and reduced her weekly MCA withdrawals by 80% through Coastal Debt Resolve’s professional settlement strategy.
Music Homes, LLC
Kymerlee Music saved $21,529 and cut her weekly MCA obligations by 81.5%. See how our team provided the cash-flow relief needed to stabilize Music Homes, LLC.
Best Flooring Deal LLC
Best Flooring Deal LLC slashed weekly MCA payments by 73.7% and achieved a 38.5% debt reduction with Coastal Debt Resolve.
DJ & D Professional Services LLC
Michigan cleaning service owner Trudy Holliday restored her company’s cash flow by saving $36,982.03 and reducing weekly MCA withdrawals by over 58% through Coastal Debt Resolve’s expert settlement strategy.
Hedge & Penn Logistics LLC
Virginia logistics owner Bill Hedge saved $13,515.76 and reduced his weekly MCA payments by $2,214.06 through a strategic 15-month settlement program with Coastal Debt Resolve.
Proficient Fabrication and Repairs
Louisiana construction owner Terrance Allen restored his company’s cash flow by saving $10,096.32 and reducing weekly MCA withdrawals through Coastal Debt Resolve’s expert settlement strategy.
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New Hampshire food delivery owner Ed Sweeney saved $20,422.56 and reduced his weekly MCA withdrawals by over 57% through Coastal Debt Resolve’s professional settlement strategy.
JEM Marketing LLC
See how Jackie McNeill of JEM Marketing reduced weekly MCA payments by 72.8%, saving $13,272 every week. Real results from a real estate flipping success story.
XLT Construction Inc.
See how XLT Construction saved $1,779.91 per week on MCA payments and reclaimed their cash flow. Read the full-detail Coastal Debt Resolve success story.
IMS Executive Suites, Inc.
See how IMS Executive Suites saved $922.17/week on MCA payments. Coastal Debt Resolve helped them reclaim their cash flow. Read the full case study here.
G&M Fish And Variety LLC
See how G&M Fish saved $22,759.08 with Coastal Debt Resolve. We stopped their daily MCA payments and restored cash flow. Read the full success story here.
Cooper Street Dental LLC
Coastal Debt Resolve helped Cooper Street Dental eliminate daily payments and save $15,399.26. Read the full case study on how we restored their cash flow.

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