Business Debt/Expert Profile

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As a business debt settlement and restructuring veteran, I invite you to inquire about all aspects of business debt solutions to best determine which may be most appropriate. If you have questions such as: What is debt settlement and how process provide debt relief to my business? What options are available to deal with my business debts? Is it possible for a business owner to negotiate their own settlements? Why is debt settlement preferable to filing a bankruptcy or debt consolidation? Why are creditors willing to provide settlements to a business? How will settling debts affect credit scores? or How to rebuild a business after debt is eliminated. Please ask it now! For more information regarding how debt settlement can help your business, please inquire. If this is your business situation time may play a very important factor in getting matters resolved proactively before they have negative affects on the business.

Experience in the area

My expertise is specific to providing business solutions that will have profound positive impacts on the financial health of businesses. I have 25 years experience as an entrepreneur and have developed national sales programs; strategic alliances; product development; marketing programs; business and turnaround plans and debt settlement programs all providing methods to improve the financial outlook for large and small businesses. In the area of commercial debt settlement I have over 10 years experience working with large and medium corporations and closely held businesses to enable successful debt reduction and turnaround. I am a professional debt arbitrator and have negotiated with major banking institutions as well as vendors, suppliers and other trade creditors.


Provisors;Turnaround Management Association; Los Angeles area


Accounting Today; Web CPA; National Restauarant Association;Los Angeles Daily News; Today Magazine Monthly series of business articles entitled "Brand News."


Bachelor of Business Administration; Associate of Arts Merchandising

Past/Present Clients

American Airlines, American Express, Safeway Inc., New York Life, consumer products manufacturers; retailers, food service industry and other small businesses and service providers.

What do you like about this subject?

The ability for business owners to learn of alternative methods to fixing serious financial situations.

What do you still hope to achieve/learn in this field?

I hope to reduce the need for business bankruptcy, by presenting other possible options for small business owners.

Something interesting about this subject that others may not know:

Given the individual business circumstance, creditors would rather discount debt in the short term than be placed in a lengthy bankruptcy que.

Something controversial or provocative about this subject

It is not common knowledge that Commercial or Consumer Credit Counselors often represent the best interest of the creditors, not the debtor.

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
John10/05/12101010Thanks Christine. You gave me some good .....
John09/22/12101010One of the most comprehensive responses I .....
Stephen Shook09/18/12101010Thank you very much. This info confirms .....
carolyn deloach08/23/12101010Thank you so much for your reply .....
Patrick06/05/12101010Thank you very much for your help .....

Recent Answers from Christine Janklow

2013-11-01 debt statute of limitations in CA:

Ian:  Thanks for your inquiry. The statute of limitations in CA is four years for written, 2 for verbal. In HI it is 6 for each listed below. Please understand that debts that have passed the statute of

2012-12-17 Guarantor of corporate debt.:

Robert:  Thank you for your inquiry. With regards to the personal guarantees, if you signed them as an officer of the company then the likelihood is that they remain valid. No doubt collection efforts

2012-10-12 Business Loan:

Jeff:  Thank you for the inquiry. Without benefit of knowing all the particulars of your situation, it basically boils down to this; You loaned your corp $100k - the officer loan to you is still outstanding

2012-09-13 Business debt and my house:

Stephen:  Thank you for the inquiry. I regret that you are enduring a situation causing you distress. In response to your question, if you remain current with your lender for your business loan, they should

2012-09-06 S-corp dissolution:

Dear Tamie:  Thanks for the inquiry. If you elect to shut down operations, and liquidate all assets to pay off creditors, as well as no personal guarantee this loan will become uncollectible. Make sure


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