Utah MCA Debt Relief Success Story

"We are now at a point where two of the three [of the enrolled business debts] are paid off with zero balance letters, and we are about to pay the third one off and graduate from the program. Can't thank Marco at Coastal Debt enough, and the team over there at large. We're very grateful for Coastal Debt Resolve."
~ James Musser

Results Snapshot

Debt Reduction Achieved:
37%

$2,560.00

/Week

Previous MCA Payments

$1,053.52

/Week

New Restructured MCA Payments

$1,506.48

Weekly Savings
$30,041.42
Total Original Debt
$18,900.02
Settlement Amount
$11,141.40
Saved
8+
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Debt” means the asserted balance or balances included in the settlement calculation and may exclude other enrolled, withdrawn, excluded, or unresolved obligations.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 think that Coastal Debt probably kept us out of bankruptcy. We had three [commercial debts] . We have just paid off two of them, and we're about to pay off the third and graduate from the program. Thank you for that, Coastal Debt Resolve."
~ James Musser

How

Blue Mountain Contractors LLC

Succeeded

The Challenge

James Musser left a stable job to build his own plumbing and HVAC business, heavily investing from his personal savings to get Blue Mountain Contractors off the ground. When stiff competition demanded more capital for advertising and marketing, he turned to Merchant Cash Advances (MCAs) to keep the business moving forward. However, juggling multiple commercial financial obligations, including MCA debt quickly created an unsustainable financial trap. The crushing payments left James severely stressed and placed significant financial strain on his company. He desperately needed a way to address his debt and save his business.

Meet the team

Debt Reduction Achieved:
37%
A headshot photo of Nathan Mor, Director of Settlement Operations and Forbes Finance Council member.
Nathan Mor
Settlement Advisor Spotlight

Mr. Musser’s settlement advisor helped him understand the program and explore potential resolution options for his enrolled business debts. With eight years of experience, Nathan Mor has encountered many different MCA debt scenarios. He leverages this deep industry knowledge to assess each unique situation and explore potential resolution options based on the individual circumstances.

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

Account Manager Spotlight

Although a newer face in the debt relief industry, Marco possesses an innate ability to connect with people. This natural rapport allows him to ground clients during high-pressure situations, keeping them calm and consistently focused on the final resolution.

“We're a hardship-focused program designed to help businesses address debt-related cash-flow pressure. I'm here as your dedicated account manager to help keep the process organized and on track.” ~ Marco Glave

A head shot photo of Marco Glave, a well-love account manager at Coastal Debt Resolve.
Marco Glave
Proof

Settlement Documents

37%
Savings
Debt:
$14,116.85
Paid
$8,900.00
a document with black text

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.

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Frequently asked questions

How much did Blue Mountain Contractors LLC save on the business debts included in the Results Snapshot?
Two enrolled commercial financing obligations with combined asserted balances of $30,041.42 were resolved for a combined $18,900.02, resulting in a gross balance reduction of $11,141.40, or approximately 37%. One additional enrolled obligation remains unresolved and is excluded from these figures.
What were the weekly savings for James Musser?
Before enrollment, Mr. Musser reported approximately $2,560.00 in aggregate weekly payments or withdrawals relating to his enrolled commercial financing obligations.. His weekly Coastal program contribution was established at $1,053.52, a difference in scheduled weekly cash outflow of $1,506.48. The program contribution is not a restructured payment made directly to the MCA creditors and includes program fees, authorized third-party fees, and funds intended for creditor settlements.
How long did the debt settlement process take for this contractor case?
Blue Mountain Contractors enrolled in November 2025 and has been in the program for more than eight months as of August 2026.
Why did James Musser need MCA relief?
After taking a second round of MCAs to fund equipment for a major contract, the aggressive daily payments substantially reduced the business’s available cash flow and placed significant financial strain on the business.
Who managed the debt settlement for Blue Mountain Contractors LLC?
The case was led by Settlement Advisor Nathan Mor and supported by Account Manager Marco Glave.