Debt Issues Services References About Free Consultation
New Jersey ยท Nationwide Network

We Resolve
Business Debt.
Decisively.

Fear weakens businesses in distress. At HEED, we replace fear with strategy, structure, and strength โ€” fighting for the strongest possible outcome.

98%+
Success Rate across all engagements
$0
Upfront cost โ€” No success, no fee
76%
Max savings achieved on original claim
Free
Initial confidential assessment of your situation

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No Success, No Fee

You only pay if we succeed. No out-of-pocket costs, no risk to you upfront.

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Direct Agreements

All settlements are directly between you and your creditor. Full transparency, no hidden layers.

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Fast Resolution, Full Confidentiality

We move quickly and stay with your case โ€” even when default judgments are already in place.

Business Debt Restructuring

HEED specializes in representing businesses in the restructuring, negotiation, and resolution of problem business debt โ€” fast, and with full transparency.

Whether you're facing a financial lawsuit, struggling with creditors, or trying to avoid bankruptcy, HEED provides a clear path forward โ€” without the complexity of court proceedings or debt settlement schemes.

Our objective is straightforward: restructure your business debt and assure cashflow and repayment arrangements that are feasible for both sides.

  • Get lawsuits solved and dismissed
  • Eliminate financial trouble before it escalates
  • Avoid Chapter 11 bankruptcy and liquidation
  • Maintain working relationships with your creditors
  • Settle even when a default judgment is already in place
Beware of mediations, restructurings or so called debt consolidations, with hidden complexities โ€” where organizations ask you to pay them directly instead of your creditor. All agreements negotiated by HEED are made directly between you and your creditor(s).
Debt Types We Handle
Commercial debt (suppliers & vendors)
Bank & other lender debt
SBA loans
IRS & Treasury related debt
Open book accounts & financial lawsuits
Cases with final or default judgments

We are based in Holmdel, New Jersey, accredited by the State of New Jersey as a Small & Medium Enterprise (SME), with partners throughout the US. We are members of the IABMC โ€” International Association of Business Mediation Consultants.


Restructuring & Growth

Once the fire is out, we help you build stronger. Our consulting services address the root causes that often lead to financial stress.

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Contract & Supplier Management

Avoid pitfalls with supplier and financial contracts. Well-managed supplier relationships support better corporate cashflow and help weather temporary downturns.

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Business Process Improvements

Reducing cost is equally important to the bottom line as increasing revenues. We identify automation opportunities tied to the right business processes and data.

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Sales & Sales Operations

Focus on opportunities to increase leads, pipeline, sales, and customer satisfaction. It's easier to expand with existing clients than to find entirely new business.

References & Testimonials

Our services are sensitive by nature โ€” we do not publish full client details. References available on request.

Reference Letter
Reference from
Electrical Services Company
Camden County, New Jersey
Commercial Debt

Default Judgment Case

Multi-year engagement

Even when we were unable to close a settlement at the time we got sued, HEED stayed with us. They followed the case all the way through and eventually were able to settle โ€” with a default judgment already in place โ€” saving us a significant amount in legal costs and other added fees, with a discount on the principal amount owed.
This demonstrates HEED's commitment to seeing cases through to resolution, regardless of complexity or elapsed time.
Saved 63%+ of Claim
"Out of all the phone calls we received about our lawsuit, we felt most comfortable speaking with Patrick from HEED. He was able to save us over 63% of the original claim, plus other costs."
Transportation Company โ€” Somerset County
Prevented Bankruptcy
"After 2 years of struggling with a creditor, HEED was able to step in and save us over 56%, preventing bankruptcy."
Limousine Service โ€” Bergen County
Final Judgment Settled
"HEED worked out a settlement for us with a large bank while our case had advanced to a Final Judgment. Would use them again."
Online Travel Website โ€” Mercer County
Solved Within Days
"Excellent service, knowledgeable. Solved our issue within days. We will keep them on file."
Doctor's Practice โ€” Somerset County
Significant Savings
"They did a great job, and their Sr. Consultant Patrick is very knowledgeable. Everything got solved and we saved significant money in the process."
Promotional Printing Service โ€” Union County
Long-term Client
"I trusted HEED from the first time I spoke with them โ€” they clearly explained the process without pressuring me. It worked out very well. I use them for other business help as well."
Farm โ€” Burlington County
Super Efficient
"Great service, super efficient! We are very satisfied we had the opportunity to work with Patrick. He was always efficient and helpful."
Cable Installation โ€” Union County
Legal Network Referral
"We felt very comfortable talking to Patrick from HEED. He takes the time to listen and is very kind. He helped us very much and fast with a referral to a lawyer in his network."
Limousine Service โ€” Monmouth County
98%+
Success rate across all engagements since founding.

About HEED

HEED is a New Jersey based services firm โ€” accredited NJ State Small Business, family owned and operated โ€” with a global network of specialists with practical knowledge in Finance, Operations, and Sales & Marketing.

While we serve any business size, we consider ourselves small business advocates because of our transparent solutions and straightforward pricing. Our core specialty is restructuring services that help reduce or eliminate debt and debt-related lawsuits.

We partner with attorneys and professionals across the US when legal services are required, always keeping your best interest at the center.

Accredited by the State of New Jersey as an SME
Member of IABMC โ€” International Association of Business Mediation Consultants
Partner network throughout the United States
Proudly supports the American Red Cross
Patrick Castenie
Founder & Principal Consultant
Patrick has held several leadership roles across different industries, handling contracts, supplier negotiations, partners, operations and sales and marketing. He brings a results-driven, practical approach to every engagement โ€” combining financial acumen with broad operational experience to navigate complex debt situations.

He proudly supports the American Red Cross.

Ready to resolve your debt situation?

Start with a free, no-obligation assessment. If we can't help you, you pay nothing.

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