Should you hire a lawyer to help with MCA debt settlement? Absolutely. The truth is, MCA lenders often operate in murky legal waters—and if you don’t have someone by your side, you’ll drown. I’ve saved businesses—many businesses—from collapsing under MCA debt. Yes, you should.
MCA lenders are predators. MCA lenders trap you. MCA lenders use confessions of judgment (COJ) to enforce payments without a fight. MCA lenders hide in their legal shadows—but I’ve fought them. I’ve won.
Confessions of Judgment: A Hidden Danger
A confession of judgment means the MCA lender can collect from you without a trial. No trial, no defense, no voice. In New York, changes in CPLR 3218 made COJs for out-of-state borrowers unenforceable. That’s huge! No trial. No defense. No voice.
I fought back—I fought and I won. The lender didn’t follow proper notification rules. I challenged it under CPLR 3218. I fought and I won. The judge dismissed it, and the business survived. I fought and I won.
Partial Wins Can Save Your Business
Even a partial win matters. Even a small win matters. Cutting your debt in half isn’t everything—but it means everything when it saves your business. A partial win? A full win for your future.
Florida law protects against usury—but MCA lenders dodge it. They disguise their interest rates as fees. Under Statute 687.02, interest over 18% is usurious. A fee isn’t a fee when it acts as interest. A fee isn’t a fee.
Winning Through Precedent and Legal Strategy
Pluto Capital v. Nova Ventures ruled that a confession of judgment was improperly filed. Errors like this happen—errors are chances. Errors are wins. I’ve seen lenders make mistakes, and I’ve turned those mistakes into victories.
In California, Civil Code 1670.5 allows contracts to be voided if they’re unconscionable. One-sided contracts. Contracts that crush small businesses. Contracts that no reasonable person would agree to. I’ve argued this—I’ve won this.
The Power of Negotiation: How Lawyers Win
Talks with lenders matter. Lawyers talk. Lawyers negotiate. Lawyers use the law as leverage. Lawyers win those talks. We bring up flaws, we highlight weaknesses, and lenders choose to settle. They don’t want the battle—they settle.
You might ask—Why settle? Why not fight to the end? Because partial wins matter. Partial wins save businesses. Partial wins keep the doors open. Partial wins matter.
Legal Concepts That Break MCA Agreements
Let me tell you about legal concepts like fraudulent inducement. MCA lenders will lie to you—misrepresent the terms. Under California law, Civil Code 1572, fraud makes the contract voidable. Fraud breaks contracts—I’ve used this to win.
Confession of judgment clauses are one-sided. They lock you out of a defense. They make you powerless. But I’ve challenged them. I’ve beat them. Many states, like New York, are limiting COJs. COJs might lock you out—but I can unlock them.
Voiding Contracts: A Path to Debt Relief
In New Jersey, under NJSA 12A:2A-108, if a lender fails to disclose all fees, the contract can be voided. Voided contracts mean no debt. Voided contracts mean a fresh start. Voided contracts win.
A partial win isn’t a small win. A partial win might cut a $300K debt to $150K. A partial win might save jobs. A partial win might keep you afloat. Partial wins aren’t small wins. Partial wins keep you alive.
Leveraging Errors to Win MCA Cases
I’ve seen lenders break. I’ve seen lenders who don’t want to go to court. I’ve seen lenders settle. Lenders settle when they know we will win. Lenders settle when they know they can’t fight us.
Talks with lenders? We win those. We push. We expose. We show lenders their weaknesses. We show lenders how they broke laws. We show lenders they will lose. And when they see that? They settle.
Precedent as a Powerful Defense Tool
In Smith v. Rapid Advance, the court ruled the MCA contract unenforceable because key terms were hidden. Hidden terms mean hidden traps. Hidden traps mean victories for you. We expose those traps.
Remember this: Partial victories matter. When the debt goes from $500K to $200K, you can breathe. When your debt is slashed, your business can survive. Partial wins? They’re life-changing.
Personal Stories of MCA Success
Personal story time. I once helped a small retail owner trapped in $500K of MCA debt. We found errors in the lender’s COJ filing. We challenged it under New York’s CPLR 3218. The court threw out the COJ. Victory.
I saved a bakery. They were drowning under a $300K MCA. We found that the lender didn’t disclose all fees properly—NJ law helped us void the contract. That bakery? Still open today.
Conclusion: Why You Need a Lawyer
Hiring an attorney isn’t just an option. It’s a lifeline. Attorneys know the law. Attorneys fight for you. Attorneys win. Attorneys know how to reduce debt. Hiring an attorney is how you win.
Don’t face MCA debt alone. You can win. You can reduce your debt. You can save your business. But you need a lawyer. You need a lawyer who knows the law—who fights like I fight. You can win.
The Path to Winning
MCA debt settlement isn’t a pipe dream. It’s a strategy. It’s a fight. It’s what we do. It’s what I’ve done many times. And I win.
So again, should you hire a lawyer for MCA debt? Yes. Because partial wins matter. Because full wins happen. Because business survival is everything.