Struggling With EIDL Loan Payments?
You have options. This free guide explains all of them.
Subchapter V bankruptcy, Offer in Compromise, SBA hardship plans, and more — explained in plain language for business owners, attorneys, and financial professionals.
- All 5 EIDL debt relief options explained
- Subchapter V eligibility and advantages
- Self-assessment checklist
- 5 common mistakes to avoid
- Attorney selection guidance
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EIDL Debt Relief Starter Guide
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What's Inside the Guide
EIDL Loan Overview
Understand your loan terms, collateral requirements, personal guarantees, and what happens when deferral ends.
5 Debt Relief Options
SBA hardship plans, Offer in Compromise, Subchapter V, Chapter 7, and negotiated workouts -- all explained.
Subchapter V Deep Dive
Why Subchapter V is the most powerful option for EIDL borrowers. Eligibility, advantages, and the debt limit.
Self-Assessment Checklist
20+ questions to evaluate your EIDL situation, business status, personal exposure, and professional support needs.
5 Common Mistakes
The critical errors EIDL borrowers make -- including hiring the wrong attorney and incorrect debt categorization.
Your Next Steps
Concrete action items: gather documents, calculate debt, identify disputed claims, find the right attorney.
Who this guide helps
Based on real scenarios. Names and details changed to protect privacy.
Salon Owner
$75K EIDL loan, missed 3 payments, getting collection letters
Downloaded the guide and realized she had more options than she thought. Used the decision framework to start conversations with a bankruptcy attorney about Subchapter V.
Contractor
$350K across 2 EIDL loans, business revenue recovering but not enough
The guide helped him understand debt categorization and that his disputed claims might not count toward the Sub V limit. He went from 'I'm stuck' to 'I have a plan.'
Restaurant Franchise Owner
$200K EIDL, personal guarantee, worried about losing everything
Learned about entity separation and personal guarantee treatment. Shared the guide with her CPA, who helped restructure before any filing was needed.
Written by Gena Lofton, MBA
Founder, PPP Fairness | Former Ernst & Young Consultant
As a former Ernst & Young consultant with an MBA in International Economics, Gena has spent years researching Subchapter V bankruptcy and EIDL debt relief strategies. She created PPP Fairness to share the knowledge that most business owners can't afford to learn the hard way.
Don't wait until it's too late.
The sooner you understand your options, the more options you have. Download the free guide now.
This is an educational resource. Not legal advice. Always consult with a qualified attorney for your specific situation.