SOS Debt Solutions was founded on a simple belief: business owners dealing with MCA debt deserve honest answers, aggressive negotiation, and a team that actually picks up the phone. We’ve spent 15+ years building the creditor relationships and expertise to make that possible — and we’ve helped 850+ businesses prove it works.
But SOS wasn’t built just to compete in this industry — it was built to fix what’s broken in it. After years of watching business owners get misled by dishonest companies, Cynthia and Bill started SOS to do things the right way: honest assessments, transparent fees, and real results.
Every member of our team is trained with the same mindset — your business matters, and so does getting this right.
Cynthia Ramsay was one of the first professionals in the business debt settlement industry. With a career built in financial services and leadership, she recognized a growing need — business owners overwhelmed by MCA debt with very few credible options for help.
She immersed herself in the mechanics of MCA contracts, studied creditor behavior and collection strategies, and developed the structured systems that would help define how business debt settlement is done today. She didn’t just enter the industry. She helped shape it.
But as the industry grew, so did the growing pains. Business debt settlement was still new, largely unregulated, and evolving fast. Standards varied widely from company to company, and the gap between what clients were promised and what was actually delivered could be significant.
Cynthia saw firsthand how that gap affected real people. Business owners who came in looking for a lifeline sometimes ended up in a worse position — not because their situation was hopeless, but because the process they were put through wasn’t built to actually serve them.
Bill had spent over 30 years in business development and marketing before retiring. He and Cynthia were close friends, and as she shared her experiences in the debt settlement space, Bill became increasingly interested in the industry’s potential — and the work still needed to professionalize it.
He came out of retirement to consult in the industry, bringing his expertise in operations, systems, and business development. He saw an industry with enormous demand but very little infrastructure — and a real opportunity to help build something better.
The deeper Bill got into the industry, the clearer it became: the biggest challenge wasn’t the debt itself — it was the lack of consistent standards in how business owners were educated, onboarded, and supported throughout the process.
Both Bill and Cynthia shared a conviction that this work required more than just negotiation skills.
It required transparency from the first conversation, realistic expectations, and a genuine commitment to the client’s outcome. When they looked at the industry landscape, they knew they could do this at a higher level.
Cynthia and Bill knew they had something most people in this space didn’t: deep industry knowledge, operational discipline, and a shared belief that business owners deserved better.
So they built it themselves.
SOS Debt Solutions was founded on a simple principle — treat every client’s business like it matters, because it does. That meant full transparency, honest assessments, and a process designed around the client’s actual needs, not a sales quota.
What most people don’t realize is that business debt settlement is largely unregulated. Unlike consumer debt, there are no licensing requirements, no mandatory credentials, and limited government oversight for MCA contracts or the companies that negotiate them.
The barrier to entry is low, which means the range of quality in this space is wide. SOS operates in an industry that has been flagged as high-risk — and we believe that makes our commitment to doing things the right way even more important.
This is why SOS is structured the way it is. We don’t require an upfront retainer fee. We believe a client should see results before paying for them — and that model keeps us accountable from day one.
We’ve earned BBB accreditation with an A+ rating, something we take seriously. We charge fair fees, we communicate transparently, and we only take cases we’re confident we can resolve. Our reputation matters to us, and our results reflect that.
Cynthia and Bill started SOS Debt Solutions because they saw what this industry could be — and because helping business owners through the most difficult financial moments of their lives is work that matters.
Every member of the SOS team is trained with the same mindset: these are real people, with real businesses and real families, facing real consequences. We take that seriously. Our reviews reflect that our clients feel the same way.
Speak with an MCA specialist today.
Creditors inflate. We negotiate. Your settlement is based on what you actually owe — not the fees they tacked on after default.
Cynthia is a pioneer in MCA debt settlement. For over 15 years, she’s negotiated with every major MCA lender — and earned their respect in the process.
Creditors know her. Attorneys know her. They know she doesn’t bluff, doesn’t overpromise, and doesn’t waste their time. That reputation is why we get settlements other companies can’t.
She personally oversees every case at SOS Debt Solutions — ensuring strategy is sound, negotiations are aggressive but realistic, and objectives are met. Her expertise in handling complex cases is unmatched in the industry.
What sets Cynthia apart: She’ll always tell you the truth. Good news or bad news, you’ll get the facts — not sales pitches. If your case isn’t a good fit, she’ll say so. If bankruptcy makes more sense, she’ll tell you. That honesty is why clients trust her and why our success rate speaks for itself.
Bottom line: When Cynthia handles your case, you’re getting the best negotiator in the business working for you.
Bill brings over 30 years of experience working with business owners to SOS Debt Solutions. He’s seen every financial challenge a business can face — and he knows how to navigate them.
What clients appreciate most about Bill is his patience and clarity. He doesn’t rush you into decisions. He doesn’t push programs. He listens, understands your situation, and maps out a clear path forward that actually works for your business.
When you talk to Bill, you’re not talking to a salesperson. You’re talking to someone whose sole intention is improving your situation — whether that’s through our services or pointing you in a better direction if that’s what makes sense.
What sets Bill apart: His ability to cut through the confusion and stress to show you exactly what’s possible. Business owners leave conversations with Bill feeling understood, informed, and confident about their next steps.
Bottom line: When Bill is on your side, you have an advocate who genuinely cares about your business surviving and thriving.
Our team works directly with Cynthia and Bill to execute settlement strategies, manage creditor communications, and keep you informed every step of the way. You’re getting specialists who’ve settled $47M+ in debt — not generalists learning on your case.
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Senior Case Manager
Legal Coordinator
Debt Consultant
Client Services & Operations Manager
About why they started SOS and what you can expect when you work with us.
Call us today. In 15 minutes, you’ll know exactly where you stand — and whether we’re the right team to help.
Don’t take our word for it — here’s what business owners say after we help them resolve their MCA debt.
Business Owners Helped
In MCA Debt Settled
Trustpilot Rating
Cynthia and her team were incredible. They stopped the daily debits and secured a settlement that allowed me to keep my business running. They guided me through every step, and I’m truly grateful for their knowledge, support, and professionalism.
SOS Debt Solutions is amazing! They helped me stop daily debits, resolve multiple debts, and negotiate manageable settlements that kept my business running. Knowledgeable, understanding, and genuinely committed to client success — I’ll always rely on them when I need help.
Having Cynthia and SOS in my corner made all the difference. They stopped three lawsuits and negotiated settlements I could actually afford. Their strategic approach is effective, and the legal team they coordinate with is highly experienced. Communication was consistent and responsive throughout the entire process. If you're under serious pressure, this is the team you want on your side.
SOS Debt Solutions saved my business. After getting into $430K of MCA debt, Cynthia and her team negotiated it down to $140K. They restructured my monthly payments so I could stay open and profitable again.
Cynthia and her team have helped put my fears and worries at bay while fighting for my integrity during one of the toughest times as a business order. I recommend ten times over
SOS has literally saved our business and our lives. I don’t know where we would be without Cynthia. First class service, always available, very knowledgeable and experienced. We are so glad we found them!
SOS Debt Solutions has been one of the best things that’s ever happened to me! Cynthia and her team made it easy for me to focus on onsite work while she worked on resolving my debt. So grateful that I got to see it through on the other side. I highly recommend her and her team!!!
Words can’t Explain’ SOS ‘ You’re the best ‘ you’re my hero. Please keep saving our Souls from these predators. Jb
I can't even begin to give Bill and his team enough stars. 5? Not enough--they deserve 10! They took the time to understand my company's issues and worked diligently to help resolve them. Bill's kindness was more than anyone could ever ask for. Thank you from the bottom of my heart.
SOS has literally saved our business and our lives. I don’t know where we would be without Cynthia. First class service, always available, very knowledgeable and experienced. We are so glad we found them!
Best company ever they helped me with major issues and because of them I got everything fixed best ever !!!!!!!!!!!!!!!! From Andy
SOS Debt Solutions is amazing! They do exactly as they say they will do. Keep you updated in a timely manner. Explain everything so it's understandable. Extremely nice people. Very knowledgeable in this business. Sympathetic and understanding of financial situations and very willing to help. This company and it representatives are not in it just for the money. They want to help the client succeed and handle business at the same time. We will forever use them when in need of their assistance.
Trustworthy, knowledgeable and compassionate team! This was exactly what we needed during a very difficult time. Thank you Cynthia and Bill for being a class act. Your service and hard work representing small businesses is great appreciated!
Cynthia and Bill are really great and explaining how and what can be done to help you. Unfortunately I did a Merchant cash advance and I HIGHY URGE ANYONE TO NOT GET THEM! In any event they are really great at helping and prices are VERY fair to us as a business. I really would recommend them for anyone facing these Merchant A holes and what they can do with your business and basically try to put you out of business. Cynthia and Bill help stop all that!
Cynthia and Bill are lifesavers. They are genuine people trying to help others at a difficult time in business. Cynthia knew immediately how to handle my situation and the exact people to contact to get the deal finalized. I will be forever grateful.
Cynthia really helped me during a difficult period financially. She was professional, empathetic, and knowledgeable. I highly recommend her services. She will advocate for you.
Cynthia is the best!! 100 recommend there services they are so human and try to understand and have a heartfelt connection inorder to help in the best way possible.
Bill and Cynthia did a great job. And was very helpful in getting my debt re-negotiated. I strongly recommend them
