EMERGE180, INC.
TAMPA, FLORIDA

Everyday, nearly 400 more business owners ask the same question: “How do I get my business out of debt?” It’s true. Each month, almost 8,000 business owners face a grim decision of whether or not to file bankruptcy because of delinquent business debts. Emerge180 was born out of the ideal that small business is the driving force behind the US economy. Because that journey can be dynamic and uncertain, entrepreneurs face financial challenges that often appear insurmountable. Emerge180 is a partner in that journey focused on keeping your business finances on track, your enterprise operational and your employees productive. Emerge Solid. Emerge Ready. Emerge180. For over 20 years, Emerge180 has kept family businesses in the family by negotiating financial solutions when they ran into serious and even catastrophic trouble. We’ve shepherded viable companies through the negotiation process; bringing business owners back from the brink of bankruptcy, restoring their family’s livelihood, and making them solid, strong and whole once again. Emerge180 can engage your creditors at any point and immediately establish an action plan that first gives you, the owner, the most important thing you need: Time. Creditors usually realize that they stand a better chance of getting money from a business that is generating revenue. Emerge180 talking with your creditors buys valuable time. Time to operate your business and time to generate more revenue. It also lets your creditors know you’re serious about settling your outstanding business debt. The second benefit is savings. Emerge180 is adept at negotiating settlements that successfully retire debt in a shorter time period at a reduced sum. The negotiated savings are passed along to you. The net result is that you settle your debts for less than what was originally owed. Guaranteed. Emerge180 requires a modest retainer to start the process. 100 percent of our retainer is applied towards retiring your debt. In the unlikely event that we aren’t able to negotiate a business debt settlement with your creditors, we promptly refund the entire retainer. Emerge180 is proud to have an outstanding, record with the Better Business Bureau (BBB). While we are not perfect, we have had less than 10 complaints over our 20+ years in business. Interestingly enough, we did have a complaint filed against us recently. The complaint was dismissed as baseless (read below) but the very nature of it made us realize that some people still don’t understand what we do. “We specialize in creditor negotiations. If your business owes money to a creditor, you contact us and we negotiate a settlement that your business can afford and saves you money.” The complaint? The complaint was lodged by a creditor against us because we were working with that creditor’s attorney on our client’s behalf. In other words, we believe the creditor felt we were doing our job a little too well. Our goal is always to make unresolved business debt a financial solution instead of a legal solution. Rarely does anyone emerge from bankruptcy as a winner. Even in cases of reorganization, 86 percent of those businesses eventually go into permanent bankruptcy. At Emerge180, our glass is half full. We help clients find a way to continue business. To keep operations going. To avoid closure and bankruptcy. Sometimes, bankruptcy is inevitable and we’ve advised our clients accordingly. But it doesn’t cost a penny to find out how we can help your business. Call a Bankruptcy attorney and file bankruptcy. Call Emerge180 and emerge debt free. Emerge Solid. Emerge Ready. Emerge180. For the last 15 years, Jonathan has partnered with business owners to implement creditor negotiation strategies that retire outstanding commercial debt and return their enterprises to profitability. Jonathan views entrepreneurs as the strength and backbone of America’s dynamic economy. His mission is to provide the tools and techniques to help business owners restore financial stability during challenging times. At Emerge180, you will find him continually focused on bringing integrity to every transaction, every client, every day. Jonathan Field became President & CEO of Emerge180 in 2007. A graduate of West Point with an MBA from I.E.S.E in Barcelona, Spain, Jonathan was also admitted to practice before the IRS as an Enrolled Agent. His extensive career includes the rank of Captain in the U.S. Army, hospital administrator, insurance executive, and small business owner. Throughout this time, he has remained active in the community while seizing opportunities to lead both small and large organizations. Emerge Solid. Emerge Ready. Emerge180. Doing nothing about your secured or unsecured business debt is an option. Jonathan Field, Emerge180 CEO once stated that he’s never seen a problem solved by doing nothing. But before you decide to simply do nothing about your unmanaged business debt, consider the outcomes. Leaving outstanding balances due, unpaid loans, delinquent taxes or past due insurance premiums can cost you even more than taking immediate steps. And, you risk a complete loss of control over your business finances: Consider that Emerge180 has never seen a business regain its financial strength and stability from simply doing nothing. We’ve helped businesses just like yours recover from crippling financial deficits and we can prepare a plan to help you do the same. One small business owner did nothing – including ignoring repeated appeals from a creditor to devise a repayment plan. The creditor obtained a judgement and subsequently, court ordered authorization to garnish the business owner’s bank account. The next day, the owner’s bank account was empty. Another business owner – a restaurant – did nothing about his past due invoices. That is, until the Sheriff showed up to conduct what is called a “Till Tap.” A Till Tap is another legal maneuver a creditor can pursue where a law enforcement officer literally stands at the cash register and collects money for goods and services from store customers. The Till Tap continues until the balance due is collected, along with administrative costs. A Till Tap is another example of how a business owner loses control of the solution by not taking action.