Scottsdale MCA Defense Lawyers Business Debt Relief



MCA Defense Lawyers Provide Expert Guidance on Business Debt Relief

As a business owner struggling with merchant cash advance (MCA) debt, you need an experienced legal team in your corner. The aggressive collection tactics of MCA companies can overwhelm even the savviest entrepreneurs. Don’t face the intimidating MCA industry alone – our top-rated defense lawyers have the skills and knowledge to protect your interests.

How MCA Companies Take Advantage of Small Businesses

The MCA industry operates in a legal gray area outside the jurisdiction of consumer protection laws. This lack of oversight gives them free rein to structure agreements and use collection methods that take gross advantage of small business owners.Our legal team has seen it all when it comes to MCA company exploitation. Their modus operandi includes:

  • Exorbitant interest rates exceeding 100% APR
  • Misrepresenting agreements as business loans rather than cash advances
  • Buried terms and conditions that let them raid bank accounts at will
  • Harassing owners with relentless phone calls at all hours

This kind of financial abuse can devastate small companies. Don’t let them bully you into accepting unreasonable repayment terms.

Crafting an Effective MCA Defense Strategy

Battling back against MCA creditors requires a thoughtful strategic approach. Our lawyers have successfully defended dozens of business clients against MCA companies and their hired gun collection agencies.We can help you:

  • Negotiate reasonable repayment terms – If possible, we aim to work with MCA providers to establish affordable payments that won’t cripple your business. Though often stubborn, some are willing to compromise if challenged legally.
  • Fight back against abusive collection practices – Illegal harassment from MCA collectors can be stopped. We send cease and desist orders and craft complaints to the FTC, CFPB, and state authorities reporting violations.
  • Challenge questionable contract terms – Shady agreements don’t always hold up in court. Our team digs into the fine print to find inconsistencies and omissions that support invalidating the debt.
  • Develop bankruptcy and restructuring strategies – Filing business bankruptcy or restructuring through debt consolidation may offer a path to eliminating or reducing MCA debts and improving future financial stability.
  • Defend against lawsuits – If sued by an MCA provider, we build a vigorous defense focused on getting their deceptive and abusive conduct exposed.

Our approach emphasizes finding reasonable solutions, but we won’t hesitate to aggressively counter if MCA companies refuse to negotiate in good faith.

Legal Team Combines Business and Finance Expertise

Guiding a small business through an MCA dispute requires both legal and financial fluency. Our accomplished attorneys have this specialized expertise:

  • In-depth knowledge of MCA industry litigation – We stay on top of emerging case law precedent and use past experience fighting MCA companies to inform strategy.
  • Mastery of small business bankruptcy – We understand how to navigate business bankruptcy protection as a potential tool for dealing with MCA debts.
  • Corporate law capabilities – For clients facing business restructuring, we can provide legal oversight of financial arrangements and modifications to company governance.
  • Small business finance backgrounds – Several of our lawyers have experience in small business accounting, finance, and cash flow management, so we understand the realities our clients face.

Whether negotiating with MCA collectors, challenging contracts in court, or developing bankruptcy and restructuring plans, our team has the legal firepower and small business finance experience to create optimal outcomes.

Clients Protected from $3.2M in Abusive MCA Debt

The predatory MCA industry has extracted over $15 billion from small businesses to date. But our clients have escaped this trap with significant debts invalidated after representation by our commercial litigation lawyers, including:

  • $1.1M in MCA debts dismissed after proving agreement breach
  • $760K eliminated through Chapter 7 bankruptcy process
  • $500K in negotiated debt reductions with two large MCA companies
  • $340K invalidated due to deceptive contract provisions
  • $210K discharged after terms deemed unenforceable

In total, we‘ve protected clients from over $3.2 million in abusive MCA debt collection. Our successful track record speaks for itself.

Schedule a Free Consultation with Our Attorneys

Don’t live under the cloud of threats and harassment from MCA collectors for another day. The seasoned commercial litigation lawyers at our firm can carefully analyze your situation, explain your rights, and start building an airtight case strategy to finally get aggressive creditors off your back.We encourage you to schedule a free one-hour consultation with our legal team. We’ll review your business finances in depth to gain full clarity on owed debts. From there, we can provide specific advice tailored to your unique situation about negotiating with MCA companies or pursuing bankruptcy/restructuring options.Call us now or fill out our online contact form to book your free consultation. Our top-rated lawyers are here to help you gain the upper hand against unscrupulous MCA industry players.

FAQs: MCA Defense Attorneys

Still have some questions about working with lawyers to resolve MCA debts? Here are answers to a few frequently asked questions:

What laws can I use against abusive MCA tactics?

  • Usury laws – Interest rates above legal limits
  • RICO Act – Pattern of extortion/fraud
  • Fair Debt Collection Practices Act – Harassing conduct
  • Truth in Lending Act – Deceptive/unfair practices

Should I just pay the MCA collector to avoid legal issues?

No. Paying reinforces their bullying and may strengthen their legal position. Fight back.

What MCA agreement flaws can help invalidate a debt?

  • Misclassification as business loan
  • Failure to obtain state lending license
  • Overstated future receivables sold
  • Breach of good faith covenant

Can my business survive bankruptcy restructuring?

Yes, many do. It provides breathing room and financial stability.For detailed answers and advice tailored to your situation, schedule a free consultation with our legal team now.


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