Merchant Cash Advance Debt Relief

MCAs are not traditional loans — they’re purchases of future receivables with daily or weekly repayments often taken directly from your bank account or credit card sales. Many business owners are shocked by how quickly repayment schedules affect their cash flow, leaving them desperate for merchant cash advance debt settlement or cancellation options.

The first thing you need to do is halt the daily or weekly debits. Many MCA lenders use ACH withdrawals that quickly drain your account. Consult a merchant cash advance debt relief attorney to understand your legal right to stop these deductions, especially if you never authorized a personal guarantee or confessed judgment.

In New York and other states, some MCA agreements may be unenforceable if they contain terms that resemble usurious lending. Attorneys can argue that the agreement is a disguised loan — not a sale of receivables — and that the interest rate is unlawfully high.

This legal strategy can lead to full merchant cash advance debt relief, including dismissal of the balance or cancellation of judgments.

If a lender has already filed a UCC-1 or obtained a confession of judgment, your attorney can help you challenge these filings. Many MCA companies abuse the legal system with “rubber stamp” judgments that can be reversed with a proper defense.

This step is crucial if you’re being contacted by merchant cash advance debt buyers trying to enforce or resell the judgment.

Some MCA lenders or buyers use illegal methods to collect, including threats, account freezes, or interference with customers. These can be grounds for civil litigation or even criminal investigation. An experienced merchant cash advance debt relief attorney can stop these tactics fast and file counterclaims if needed.