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:
“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 and over 500 successful cases, 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

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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

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.
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More Resources

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