Creditors Relief Reviews (2026): Who They Are & How They Work
Creditors Relief LLC is a business debt restructuring firm based in Englewood Cliffs, New Jersey. They've been at it since October 2010, and they work exclusively on commercial debt: merchant cash advances, business loans, lines of credit, and stacked advance positions. If you're a business owner researching the company, this page covers who they are, what they offer, how their process works, and what clients say about them on independent review platforms. Every figure links to its public source so you can check it yourself.
Who Creditors Relief is
Creditors Relief was founded in October 2010 by Michael Lupolover, who serves as President. Peter Tiflinsky is listed as co-CEO on the company's BBB profile. The firm is headquartered at 333 Sylvan Ave, Suite 105, Englewood Cliffs, NJ 07632, and operates through creditorsrelief.com. Their website reports more than 13,000 businesses helped and roughly $100 million in debt settled since opening.
One thing that separates them from much of the field: they've been a commercial-debt firm from day one. A lot of debt relief companies started on the consumer side and added business services later, once MCA debt became a growth market. Creditors Relief has spent 15 years on business debt specifically, and MCA restructuring is their stated primary focus. That focus matters, because negotiating with an MCA funder is a different job than negotiating with a credit card issuer.
Services Creditors Relief offers
- Merchant cash advance restructuring, including stacked advance positions
- Business loan and line of credit workouts
- Direct negotiation with creditors and funders on the business's behalf
- Consolidating multiple daily or weekly draws into a single, more manageable payment plan
They are business-only. If what you're carrying is personal credit card or consumer debt, their practice doesn't cover it; the entire operation is commercial.
How the Creditors Relief process works
Based on the company's published materials, the engagement runs in four broad steps:
- Debt analysis. An initial consultation where the firm reviews your positions, balances, payment schedules, and cash flow to understand what the business can actually sustain.
- Restructuring plan. They build a plan around what your revenue supports rather than what the original contracts demand.
- Negotiation. The firm contacts your creditors and funders directly and negotiates revised terms. This is where a firm that knows the individual funders earns its keep, since each funder responds differently.
- One payment. The end goal is replacing a stack of daily or weekly draws with a single payment the business can carry while it recovers.
Per their site, fees are built into the restructured payment plan rather than billed as a separate line item. Timelines vary with the number of positions and how quickly each creditor engages, which is true of every firm in this space.
What clients say about Creditors Relief
On Trustpilot, Creditors Relief holds a 4.7 out of 5 rating across 250 reviews as of September 2026, with 88% of reviewers giving five stars. That's a strong score at meaningful volume; 250 reviews is a sample big enough to mean something. Reviewers regularly mention responsive account teams, relief from daily payment pressure, and staff who handled creditor communication so the owner could get back to running the business.
On BBB, the firm carries an A+ letter grade. BBB letter grades weigh factors like time in business and how a company responds to issues raised through the bureau, and an A+ after 15 years of operation is a solid signal.
As with any firm, read the reviews directly rather than taking anyone's summary, including ours. Both profiles are linked above.
A note on our perspective
This page is published by Business Debt Adjusters. We're also based in Englewood Cliffs, on the same street, and we work the same niche. Firms in this space, including ours, sometimes work together on cases, so we know who the serious operators are. We've kept this page to the public record and to what the company publishes about itself, and every figure links to its source.
Creditors Relief reviews: common questions
Is Creditors Relief legit?
Yes. Creditors Relief LLC is a registered New Jersey company that has operated continuously since October 2010. They hold an A+ letter grade with the BBB and a 4.7 out of 5 rating on Trustpilot across 250 reviews, and their site reports more than 13,000 businesses helped. Fifteen years in a single niche, with that kind of review volume behind them, is the profile of an established firm, not a fly-by-night operation.
What does the Creditors Relief Trustpilot profile show?
The Trustpilot profile shows 4.7 out of 5 across 250 reviews as of September 2026, with 88% five-star ratings. The recurring themes in the positive reviews are responsive communication, reduced payment pressure, and named account representatives who stayed with the file from start to finish.
What kind of debt does Creditors Relief handle?
Commercial debt only: merchant cash advances, stacked MCA positions, business loans, and business lines of credit. They do not handle consumer debt. If your problem is business debt, particularly MCA debt, that exclusive focus is a point in their favor, since the negotiation playbook for funders is its own specialty.
What should a business owner ask before signing with any debt relief firm?
Four things, and they apply to every firm in this industry, us included. First, get the fee structure in writing before you sign, including when fees are charged. Second, ask who specifically will negotiate with your creditors and how often you'll hear from them. Third, ask what happens if a creditor escalates while you're in the program. Fourth, read the firm's reviews on more than one platform. Those steps take half an hour and will tell you most of what you need to know.
Our overview of merchant cash advance relief options covers settlement, consolidation, and reconciliation in plain terms, worth reading before you agree to anything.
Comparing your options?
If you're researching Creditors Relief alongside other firms, the most useful next step is a conversation, not a signature. Talk to more than one firm, compare what each one says about your specific positions, and get every quote in writing. BDA offers a free, no-obligation review of your MCA position and will tell you in plain terms what settlement or restructuring looks like for your business.
