Partner of financial consulting firm that restructures debt through our unique process of Balance Sheet Surgery™. We review a company's balance sheet, profit and loss statements, capitalization table, aged accounts payable, and cash flow forecasts. From there, we create a plan that treats all creditors fairly while avoiding the expense and loss of shareholder value associated with bankruptcy. Debt restructuring and settlement - via direct negotiations with creditors - is a prominent part of the services we provide to achieve our results.