When an SBA-backed loan defaults, the clock starts running toward charge off and Treasury referral. We step in early, find the leverage in your file, and pursue the resolution that fits your real financial picture — before the government sets the schedule for you.
Every SBA matter starts with a notice, a demand or a deadline. These are the core services we use to move a case from pressure to resolution.
Before we can negotiate, we need to see exactly what the agency holds — and how it got there. We obtain the loan file, referral records and collection history, then look for procedural gaps and errors the government has to answer for.
When a short-term disruption is the real problem, deferment and modification can buy the room a business needs to recover. We structure the request around a realistic recovery plan the SBA can actually approve.
An Offer in Compromise lets a qualifying borrower settle a federal debt for less than what is owed. We build the ability-to-pay analysis the SBA requires and present an offer grounded in realistic collection value.
When an agency decision is wrong, the SBA Office of Hearings and Appeals is where we challenge it. We litigate appeals and, where appropriate, seek to recall a loan from Treasury back to the SBA for modified terms.
A structured repayment plan can resolve a delinquent loan without bankruptcy or liquidation. We negotiate terms that are sustainable, so the plan survives instead of collapsing back into default.
Beyond any single tactic, we coordinate the whole matter — from first notice to final release — so each step supports the next. One team, one strategy, from beginning to resolution.
No two SBA matters are alike, but the sequence that creates leverage is consistent. We move through it deliberately and keep you informed at every stage.
We review your notices, loan history and finances to define the real problem and the available options.
We obtain the loan file and collection records, verify the balance and find the leverage points.
We pursue the strategy that fits your facts — compromise, workout, repayment plan or formal appeal.
We document the agreement and confirm the release so the matter is truly closed.
Most federal debt matters start with a notice, a deadline or a demand. A confidential case evaluation is the fastest way to understand your options before the government sets the schedule for you.
For SBA or Treasury debts over $30,000. Send your inquiry directly to Protect Law Group using the firm's secure intake form.
If the form does not load, open the secure intake form or call 888-756-9969.