We stop the government from taking what is yours.
Once your SBA loan is with the U.S. Treasury, the government has tools no regular bank has — and every one of those tools has a deadline. We answer each one, then work on lowering your payment or settling the loan for less.
SBA loan balances of $100,000 or more · Michigan office · Help across the U.S.
They take your tax refund or Social Security
This is called the Treasury Offset Program. The government grabs federal money headed your way — tax refunds, Social Security checks, federal contract payments — and puts it toward your SBA loan. We work to stop those grabs and, where the law allows, get money back that they should not have taken.
They take money out of your paycheck
This is called administrative wage garnishment. The government can pull up to 15% of your take-home pay without a judge or a court order. We respond to those notices, ask for a hearing, and challenge the amount when it is wrong or causing real hardship.
They sue you in federal court
When Treasury sends your case to the Department of Justice (DOJ), the government can sue you in federal court — with judgments, liens on your property, and court-ordered collection. We represent business owners and people who signed for the loan personally when DOJ gets involved.
They damage your credit and block federal contracts
Once your loan is with Treasury, it shows up on your credit report and can block you from any federal contract work. We work to limit that fallout while we negotiate the loan itself.
Almost every Treasury collection case starts with a defaulted SBA loan. Our SBA Loan page walks through the whole story — from the first missed payment to settling the debt.
Read: How we handle SBA loan defaultsWhat changes when the U.S. Treasury takes over your loan.
A short, plain-English explainer on what flips the day your loan moves from the bank to the federal government — and what to do first.
Let's lower your SBA payment — or settle the debt.
A free, confidential call with the attorney. We listen first, then tell you straight what is possible.
Confidential. No obligation.