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If alone the Retail Alliance had a bright brawl aback it offered a academy featuring one of its brilliant business owners.

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Maya Holihan, of Abode of Maya Conjugal Salons, delivered a web presentation for the affiliation aftermost October on growing a business. By all appearances, she was an expert.

The entrepreneur, who began as an agent at a Norfolk conjugal shop, bought the abundance from her above bang-up in 2004. A decade later, she opened addition abundance in Suffolk, and the abutting year acquired three added boutiques in Virginia Beach and Ghent. She broadcast in added ways, too: a magazine, a bells planning authorization and a conjugal show.

Suddenly, Holihan had an empire.

Her presentation warned of the risks of expansion: “Are you accommodating to booty two accomplish aback to booty bristles forward?”

Perhaps that was in the aback of her apperception aback she appear in February her shops would consolidate beneath one roof: Pure English Couture, Silk Conjugal Studio, Privee Bride and Maya Couture on Main would close. There was allocution afresh of the flagship off North Military Highway actuality adapted into a barn for a new bells resale website.

In June, the Retail Alliance reposted the presentation on its blog.

“You can’t ambition abroad the problems,” Holihan had advised, “because if you try to do that, the alone botheration you’ll accept is activity out of business.”

Two months later, she went out of business, with Abode of Maya abolition like a abode of cards. Some annoyed barter speculated about the banking strains. A bride’s sister doubtable agitation aback the agents said the Chinese New Year acquired delays on a bells gown.

To the alfresco world, the cease came as a shock. That the business was declining eluded alike some of the best affiliated business leaders.

“You don’t apperceive what absolutely happens already you bark aback the layers,” said Ray Mattes, admiral of Retail Alliance, the better merchants affiliation in Hampton Roads.

Holihan, who sat on its board, never had to accommodate a banking account for her position.

“There’s no way we could vet out whether they were astute expansions or not,” Mattes said.

For the aboriginal time aback Abode of Maya went out of business in backward August, Holihan is talking about about the bottomward banking struggles that led to the chain’s collapse. It started with a dream of actuality the go-to cast for weddings; it concluded with her accident not one, but two houses.

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“The hardest allotment of actuality an administrator or the baton of a company,” she said, “is you accept to abide absolute aback the walls are crumbling about you.”

If you strolled accomplished a Norfolk abode on Broad Creek today, you’d see chipping chicken paint, slats missing from shutters and a padlock on the door.

On that August weekend afterwards Old Point National Coffer took over Holihan’s retail assets, which were acclimated as accessory on a loan, Holihan, 44, said her ancestors additionally was affected to move out of her home. She and her husband, Navy pilot Robert Holihan, endemic one of the oldest houses in the city, congenital afore the Revolutionary War. They bought it for aloof beneath $500,000 in October 2014, according to acreage records.

The U.S. Department of Veterans Affairs now owns it because of a VA-guaranteed loan. Broker Jonathan Melvin said it’s “incredibly rare” for a historic, beach abode like Poplar Hall – it has a name – to go into foreclosure. The bureau affairs to put it aback on the bazaar aural weeks.

Since the business closure, Holihan has been difficult to find. She didn’t appear cloister hearings for lawsuits alleging she and her business owed money. So far, lath accept ordered her to pay about $200,000 in appoint and added than $30,000 in acclaim agenda debt, not including absorption and fees. Previous admiral and vendors additionally accept sued, abacus up to about $15,000. Some action is still pending.

About bisected of the appoint she owes is for side-by-side storefronts she busy in Suffolk. Holihan was ordered to pay the bulk she would accept spent if she had ashore with her adjustment through 2020. Recently in the window of her abandoned amplitude was a bill apprehension from a aegis account for $124.47.

The “walls” started crumbling two years ago, Holihan said. She had opportunities to buy three aggressive conjugal shops. All offered altered styles and prices, she said, so they seemed like aces investments. Soon afterwards affairs those businesses, she accomplished two weren’t authoritative their assembly costs, she said.

In hindsight, “I apparently wouldn’t accept acquired the third store, which was Privee,” she said, “and if I had done a little added research, I apparently wouldn’t accept bought the added two stores.”

By the end of 2015, Holihan knew she bare above changes to save the company. Her Ghent freeholder said in a accusation that she had bootless to pay appoint as far aback as November 2015, a affirmation she acknowledged in a contempo interview. She had alive the Palace Station charter in July of that year, according to an affirmation from the property’s manager.

But alike afterwards that, Abode of Maya connected to grow. She took over the Uniquely Yours Conjugal Advertise in 2016. Holihan said it was a small, seller-financed accretion and bulk about $10,000.

She said she attempted to accession money from investors. Aback that wasn’t fruitful, she approved bargain Pure English, but it didn’t sell. Beforehand this year, she pulled aggregate into one abundance – accordant to a charter of $24,000 a month, according to the coffer – and bankrupt the added shops. Holihan said she cut her agents of 34 to 16.

“I anticipation that would be the free agency in alteration everything,” she said.

The alliance didn’t anon complete alarms.

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Zach Miller, architect of Hatch, which admiral baby businesses, said aback he heard Holihan was affective city and closing stores, it fabricated sense. Aloof a brace of months earlier, his aggregation had accustomed Holihan as a Baby Business Champion Award finalist. If a aggregation reduces its footprint, that could lower aerial and access profit.

Mary Miller, admiral of the City Norfolk Council, was captivated aback Abode of Maya appear its move to Granby Street. Her alignment has been aggravating to recruit and abutment retailers through programs such as Vibrant Spaces because rents are about too aerial for mom-and-pop stores. She anticipation it could be an ballast to allure added retailers.

“I was really, really, absolutely bent off bouncer because I had not had any adumbration that this was happening,” she said.

The alteration was annihilation but a solution. Dunmar Exhibit Services, a contractor, sued to get paid for booths, tables, bathrobe apartment and braiding for the January conjugal showcase. In the case, emails amid Jennifer La Londe, Abode of Maya’s arch operating officer, and a Dunmar adumbrative showed the distress.

“Thank you actual abundant for alive out a acquittal anatomy for us,” La Londe wrote on April 28. “As we abide to assignment out the kinks and growing pains of amalgamation our 6 storefronts, it is abundantly appreciated.”

But, according to the correspondence, the acquittal never came.

“We had the best hopes of accomplishing this in May, but at this time, I charge to ask if there is any way we can authority off and you could run the agenda that was accustomed to you on until June 19th?” La Londe wrote on May 24. “We could do bisected at that time and afresh the added bisected on Monday, July 3rd?”

In June, a Norfolk adjudicator entered a absence acumen in favor of the architect for about $6,400, additional absorption and fees.

Holihan said the move complex a new buzz system, which interfered with chump calls and amped astriction with brides. Though that aboriginal ages in the city abundance was the company’s best March on record, Holihan claims, Abode of Maya still couldn’t about-face the corner. A abrogating column on Facebook acquired absorption with annoyed customers.

“My phones were campanology off the hook,” Holihan said. “We couldn’t accumulate up with the volume. It was an actual P.R. crisis.”

Revenue plummeted, she said, so she approved to accession basic again. By mid-May she couldn’t accomplish payroll.

Melanie Cornelisse, a clothier who formed contractually with the company, said it became bright the business was in a tailspin. A analysis she had accustomed in January bounced, and she had not accustomed any advantage for February. She had an adjustment with Holihan to accept a allocation of the alterations fees, Cornelisse said.

When she apprenticed for her pay, instead of accepting a check, Cornelisse said Holihan alive her some of the money.

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“One time she aloof handed me a agglomeration of money from the till, and that was affectionate of scary,” she said.

The clothier sued and won a absence acumen of about $6,900 in July, but doesn’t apprehend to see any of it.

Little by little, Holihan aloof from her association involvement. She accommodated from the YWCA South Hampton Roads lath in May afterwards not accessory affairs for a few months. Previously, she had led an bargain fundraiser for the alignment alleged Brides Against Domestic Violence.

Holihan said in June she begin some angel investors, who helped accomplish a ample bulk of clothes orders. She advised a Chapter 11 defalcation but didn’t accept the funds for the acknowledged preparation. There were accompany and admiral who peered into her books to accretion a way out of the red. She alike accustomed a brief action to accord the majority of her aggregation abroad with an advantage to buy it aback later.

A lot of account fell through while the alarm was ticking: The coffer had accustomed her a borderline to appear up with a plan afore a takeover.

Meanwhile, Holihan had drained her savings. At the end of 2015, she chock-full demography a paycheck from the business, she said, which meant her two-income domiciliary shrank to one. They fell abaft on their mortgage.

“I spent 18 months of my activity aggravating to about-face over every bedrock accessible to save my company,” she said. “The alone accord I accept is I actually gave up everything. I absent everything. I put aggregate on the line.”

Now she’s aggravating to aces up the pieces. She wrote a book for brides on how to get the best out of their dress arcade acquaintance and is gluttonous representation. She’s talking to a advocate to advice coffer up abiding acknowledged issues.

A claimed defalcation filing ability be in her future, she said.

The Retail Alliance ousted her from the lath aftermost month. Chairman Joseph Taylor said her abatement was based on bylaws stipulating lath associates charge accomplish alive retail businesses.

She won’t accept annihilation to do with the new adventure her above administrator will lead. On Sept. 27, architect Anthony Cataldo bought all of the Abode of Maya dresses, accessories and appliance at a coffer bargain for $150,000. Diana Del Corso, who is additionally Cataldo’s employee, said she will run the new conjugal boutique beneath a altered name. Afterwards liquidating the dresses in a sale, which is accepted to abide through Monday, the ally plan to alpha beginning with new inventory.

Before the auction, Holihan believed some investors ability buy the lot and appoint her to administer the business.

“There was actually a moment of joy aback I begin out who the buyers were because I knew it was over for me,” Holihan said, acumen she would now get to absorb added time with her daughter.

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Never afresh will she run a conjugal salon, she said, but maybe there’s addition role for her in the industry. There’s aloof a lot of affect benumbed the clothes train.

“If I was a appliance abundance that went out of business,” she said, “it apparently wouldn’t accept alike fabricated the news.”

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