Debt restructuring.
Capital acquisition.
Turn-around consulting.





CFS strives to reach negotiated restructured settlements with creditors, attorneys and collection agencies on behalf of business debtors.

Typically, CFS is able to reduce business debts by 30 to 70 percent of the original amount owed. 

CFS and the client meet together to review all facts regarding the debt origination. CFS then undertakes an analysis using its copyrighted system and will then contact the creditor(s). We use a specialized system to settle the debt.

Let us help you get your business out of debt.

As credit for businesses still remains scarce, many business owners find themselves unable to secure working capital.

We can help.

Critical Financial Solutions has access to multiple alternative lending sources, which can provide your business a much- needed cash flow infusion.

Use your funds to shore up restructured debts (provided by CFS), invest back into your business to allow you to remain competitive, expand, and most importantly: have peace of mind.
 This solutions-focused service is ideal for small- and medium-sized businesses. Whether your business is currently facing a financial challenge or is healthy and ready to expand, Critical Financial Solutions can help you take the next step toward success.

Turn-around consulting with CFS includes:

  • In-depth analysis of your business’ sales, finances and operations
  • Development of realistic and attainable goals for success
  • Defining key performance indicators to track your progress
  • Recommendations regarding organizational structure and operations
Russ Kacir, President
Russ Kacir has over 20 years of experience as a management consultant and entrepreneur. He is backed by a debt settlement organization with over 50 years of experience successfully completing hundreds of cases.

Russ is a seasoned professional with a background in sales and operational management, business funding, contract negotiations and strategic planning for both start-up and established organizations. He founded and operated Sun Atlantic Corporation, a sucessful technology rental company that he later sold to a national event services provider.

A licensed settlement consultant and a member of the IABMC, an association of business debt settlement consultants, Russ is also licensed with the Florida Department of Financial Services. He holds a bachelor's degree in Mechanical Engineering from Cleveland State University and a master's degree in Electrical Engineering from Ohio State University.