HomeWhat Happens If A PPP Loan Is Not Forgiven?

What Happens If A PPP Loan Is Not Forgiven?

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Lawscape provides nationwide business debt relief services. We work a wide array of lenders, service providers, and types of business debt. We are able to restructure and reduce, all types of secured and unsecured business debt. 

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Our company is led by experienced business debt relief experts who have experience handling secured and unsecured debt nationwide. 

Failing To Repay Business Debt Isn’t The End

Many business owners think failing to repay business debt means: your business is over.

This simply isn’t true. Business debt is a problem which CAN be handled, just like everything else; but only if you take pro-active steps. Lawscape helps you understand the law, and works with you to make sure that business debt isn’t the end of your business. 

What Are Some Ways We Can Help With Business Debt Relief?

Our experienced business debt relief consultants are here to help you through this stressful time. 

Oh, boy. Where do I start? Let’s tackle this one step at a time.

On PPP Loan Forgiveness and The SBA

Let’s say you’ve borrowed money under the Payment Protection Program (PPP), cleverly crafted by the Small Business Administration (SBA) to help businesses like yours stay afloat in turbulent times. But then, the deck doesn’t play your way – the SBA throws a curveball and denies your application for loan forgiveness. Quite the downer, right? You’ve submitted all your paperwork on time and in full, yet still get a big, fat no. What’s next?

The Path to a PPP Loan Appeal

Here’s an interesting twist though. There’s still a ray of hope. You can file an appeal against the decision with the SBA Office of Hearings and Appeals (OHA). Your freedom to combat an unwelcome decision is one of the wonders of our judicial system. It’s like tennis – you can rally the ball nicely over to the other court.

All is not lost, if your PPP loan is not completely forgiven. Should your loan not be completely forgiven, you’ll need to repay any remaining amount of the loan at a 1% interest rate over a 5-year term. Keep in mind, though, loan payments are deferred for six months, but start racking up interest immediately. On the bright side, there are no fees or penalties for early repayment.

The Appeal’s Cornerstones

Before we dive too deep into the nitty-gritty, it’s essential to know the basis on which you can appeal your case:

1. Profess your innocence by arguing that you were wrongly labelled ineligible for the PPP loan or wrongly accused of using the loan for unauthorized purposes.
2. Contest the lender for unjustly deciding the amount for loan forgiveness.
3. Speak up against a full denial decision of loan forgiveness by the lender.

Taking the Appeal to The OHA

So, let’s say you decide to file an appeal with the OHA. Their modus operandi involves assigning your case to an Administrative Law Judge (ALJ). The ALJ presides over administrative hearings with the government. Naturally, the SBA will bring its A-game by appointing an attorney. But don’t worry, you’ll have representation too, with experienced lawyers advocating for you.

Appeal Deadlines & Proving Your Case

However, there’s a ticking clock on this. You’ve got a 30-day window from the day you receive the final SBA loan review decision or a notification from the lender.

To turn the tables in your favour, you’ll have to disprove the SBA’s decision by identifying clear errors of fact or law in their review. This is the crux of your appeal – your chance to come out swinging. You’ll need strong evidence to support your claims. We’re talking facts and figures, official documents, and a legal brief that lays out how you believe the SBA bobbled the decision.

Seeking Legal Assistance

The stakes are high, and this is where we step in. The Lawscape is no stranger to the complexities of PPP loan forgiveness. We know the ins and outs – where the pitfalls are and how to avoid them, and our track record leaves no room for doubt.

Why Should You Reach Out to The Lawscape?

Dealing with Treasury or SBA debt issues can feel like you’ve been thrown into a maze bombarded left and right with complicated terms and paperwork. It’s stressful. It’s confusing. And it’s exactly why you need us.

We’ve dealt with (and resolved) millions of dollars in SBA debts. We’ve helped clients avoid filing for bankruptcy or face home foreclosure. We’ve also had our fair share of dealing with AWG hearings, treasury offset program resolution, cross-servicing disputes, private collection agency representation, and negotiated repayment agreements.

Whether it’s in front of the SBA, OHA, the Treasury Department, or the Bureau of Fiscal Service, the Lawscape is ready to swoop in and give your case the punch it needs.

Let’s Chat About Your PPP Loan Forgiveness Case

Are you ready to move forward? Then let’s chat. Reach out to us and set up a consultation. It’s time to turn the tables on your PPP loan forgiveness situation. We’re here to help you stride your way to an amicable resolution. Bring it on, SBA – with the Lawscape in your corner, you’re ready for whatever comes your way!

Lawscape Can Help You Manage Your Business Debt

If you’re struggling with business debt, we can help you understand your situation. During the initial consultation, we’ll go over the contract, and other legal documents you signed. After that, our firm will work with you to get a better understanding of your situation, and help you come up with a game plan that keeps your business alive. 

We Handle It All


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Everyone has different types of business debt. What matters is that you take it seriously. Regardless of whether it’s secured, or unsecured, you need to work with a firm that understands how to negotiate, reduce, settle, and manage, this business debt. 

Discuss your situation today

We are here to help you, and want nothing more than to help you save your business. Speak to our business debt relief specialists today.

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