San Antonio MCA Defense Lawyers Business Debt Relief



MCA Defense Lawyers Provide Expert Guidance on Business Debt Relief

Getting behind on business debts can feel overwhelming and scary. Between merchant cash advances (MCAs), loans, lines of credit, and other financial obligations, it’s easy for companies to accumulate more debt than they can reasonably manage. If you’re struggling under the weight of business debt, know that you have options – and the expert MCA defense lawyers at Delancey Street are here to help.

How We Can Help With Your Business Debt

Our legal team has extensive experience dealing with all aspects of business debt, from negotiation and settlements to litigation and defense. We take an empathetic, customized approach to every client, seeking solutions that make the most financial sense while positioning you for future success.Some of the ways we can help with business debt relief include:

  • MCA Defense – If you’re facing legal action from an MCA provider, we can build a strong defense to fight back against unfair contracts or abusive collection practices.
  • Debt Negotiation – We’ll work directly with your creditors to try to reduce balances owed, lower interest rates, create reasonable payment plans, or reach other settlements.
  • Litigation Defense – If you’re sued over unpaid business debts, we can represent you in legal proceedings and strive for the best possible outcome.
  • Bankruptcy Evaluation – While bankruptcy may not be the right solution for every business, we’ll thoroughly assess your situation to determine if it could provide you with a fresh financial start.
  • Ongoing Advisory Services – Even after resolving immediate debt issues, we can provide ongoing legal guidance to help you avoid future financial pitfalls.

The bottom line? You don’t have to tackle business debt on your own. Our MCA defense lawyers have helped countless companies find the relief they desperately needed – and we’re confident we can do the same for you.

Common Questions About MCAs and Business Debt Relief

Dealing with overwhelming business debt inevitably leads to a lot of questions about your options and next steps. Here are answers to some of the questions we hear most often from struggling companies:

What is a merchant cash advance (MCA)?A merchant cash advance provides a business with a lump sum of capital in exchange for a percentage of future sales over a fixed period of time. The amount due back varies based on the company’s processing volume. Learn more about how MCAs work.
Why do companies struggle to pay back MCAs?While MCAs provide fast access to capital, they often come with very high effective interest rates and aggressive collection tactics. If a business’s revenue takes a hit, it can quickly fall behind on payments owed to MCA providers.
Is it possible to negotiate with an MCA company?In some cases, yes. Experienced attorneys may be able to negotiate reduced payoff amounts, longer repayment terms, or settlements with MCA providers. However, many MCA contracts include language prohibiting alterations to the original agreement.
What defenses can be used to fight an MCA lawsuit?Common MCA defenses our lawyers employ include arguing that contracts contained deceptive or illegal terms, were signed under duress, or involved unconscionable interest rates. There may also be issues with proper MCA contract formalities and compliance.
Can an MCA lender garnish a business bank account?Yes, if an MCA company receives a legal judgement against your business, they can request to levy or garnish accounts in order to collect what they are owed. This makes legal representation all the more vital.
Is bankruptcy a good option for dealing with MCA debt?For some businesses, yes. Declaring Chapter 7 or Chapter 11 bankruptcy stops collections and can eliminate or reduce certain debts. Our legal team can advise if bankruptcy makes sense based on your specific situation.
What other debts do struggling businesses commonly face?In addition to MCAs, some other common business debts we help clients contend with include:

  • Bank/SBA Loans
  • Lines of Credit
  • Equipment Financing Loans
  • Business Credit Cards
  • Judgments
  • Tax Debts

No matter what types of obligations you’re up against, our dedicated MCA defense lawyers have the experience to help protect your interests.

Key Steps in the Business Debt Relief Process

While every client’s situation is unique, there is generally a clear path we follow when helping companies seek debt relief. Here is an overview of key steps in the process:

1. Comprehensive Case Review

First, we’ll conduct an in-depth review of your business finances to gain clarity on the full scope of debts owed. This allows us to provide specific advice tailored to your unique situation.

2. Client Consultation

We’ll then meet with you directly to discuss your financial position, debt details, revenue projections, and other key factors. This enables us to get a complete picture before determining next actions.

3. Strategy Formation

Leveraging our extensive experience, we’ll develop a customized legal strategy to address your unpaid debts through settlement negotiations, litigation defense, or other means.

4. Creditor Negotiations

Where possible, we’ll engage directly with creditors to negotiate reduced balances or altered payment terms. The outcomes of these discussions inform our ongoing strategy.

5. Legal Proceedings

If creditors refuse to settle or continue aggressive collections, we will represent you in any legal actions over unpaid debts. Our vigorous defense aims to minimize judgements.

6. Resolution/Settlement

Ultimately our efforts work toward formally resolving debts through settlements or alternative arrangements protected by court orders. This provides you with certainty going forward.

7. Ongoing Advisory

Even once immediate debts are addressed, we continue serving as an ongoing legal advisor to help you make financial decisions that support stability.Having an experienced team in your corner makes all the difference when working through business debt hardships. Let our MCA defense lawyers help you protect your interests and forge a path toward financial freedom.

Our Track Record of Success

When you choose Delancey Street for your business debt relief needs, you don’t have to wonder about our capabilities or credentials. We have a long track record of delivering results for companies in dire financial straits, including:

  • Obtaining 6-Figure MCA Judgement Reductions – In one recent case, we helped slash a $412K judgement against our client down to only $78K.
  • Securing Numerous Favorable Settlements – We consistently negotiate discounted lump-sum payoffs or other settlements that make debts more manageable.
  • Winning Temporary Restraining Orders – We’ve secured emergency court orders temporarily halting unfair MCA collection activities against vulnerable businesses.
  • Defending Hundreds of Debt-Related Lawsuits – No case is too complex. We have the litigation experience to stand up to aggressive creditors.
  • Helping 300+ Businesses Avoid Bankruptcy – Either through debt relief or by improving financial practices, we’ve helped companies avert bankruptcy.
  • Delivering Millions in Client Savings – Through settlements, judgement reductions, avoided interest, and other means, we’ve saved clients millions.

Our past performance is proof we have what it takes to be your fiercely committed legal advocates.

Our Promise If You Select Us for Business Debt Relief

As a client of Delancey Street, you can expect highly attentive service and transparency every step of the way. We make the following promises to companies that choose our MCA defense and debt relief services:1. Communicative – You’ll have direct and open access to your lead attorney throughout the process. We maintain clear channels of communication.2. Strategic – Each phase of our debt relief process is backed by proven strategies fine-tuned over hundreds of cases. We work smart.3. Analytical – You’ll benefit from insightful financial analysis guiding our settlement negotiations, legal arguments, and other discussions.4. Compassionate – We know this is an enormously stressful situation. Your lead attorney will provide the empathy you deserve.5. Reasonably Priced – Relative to large law firms, our rates are very competitive. We focus on value, not chasing billable hours.6. All-In – From start to finish, through every up and down, we’ll stand shoulder-to-shoulder with you until debts are resolved.7. Game Changing – Our involvement consistently proves decisive in delivering outcomes clients never imagined were possible.In short – we care, we’re strategic, and we have the skills to change the entire trajectory of your debt crisis for the better.

Make the Call That Puts You on a Path to Financial Freedom

If unrelenting business debts have you feeling trapped and overwhelmed, now is the time to pick up the phone and talk to our team. Every day that goes by allows aggressive creditors and MCA providers to further jeopardize your financial future. But working together, we can implement the defense and relief strategies needed to finally help your business break free.You have the power to make this a turning point – the moment you stopped being a victim of predatory lenders and took back control of your financial destiny. Have hope. With our lawyers by your side, a clear path forward exists…even if you can’t yet see it. Reach out now to schedule your free consultation. It could be the most empowering call you’ll ever make.


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