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We understand that facing legal challenges can be overwhelming and stressful. At MCARNC, our extensive experience in successfully handling cases allows us to provide the highest level of legal support. Our commitment is to offer every client personalized attention and dedicated advocacy.
We are prepared to fight aggressively on behalf of our clients, ensuring that each individual is treated with respect and dignity. Our firm is dedicated to pursuing the best possible outcome for every case. When you choose us, we take the time to understand your situation and work tirelessly to protect your rights.
A legal process designed to help businesses manage or eliminate debt when repayment is no longer feasible.
Corporate attorneys guide businesses through their legal rights, responsibilities, and obligations to ensure compliance and protection.
The Fair Debt Collection Practices Act (FDCPA) safeguards individuals from harassment and unfair practices by debt collectors.
A legal framework that governs the rights and obligations between employers and employees in the workplace.
Business litigation attorneys handle legal disputes of all sizes, using their expertise to protect and represent businesses effectively.
The Department of Labor enforces laws that promote fair wages, safe working conditions, and employee protections.
Have you taken out a merchant cash advance loan? If so, you’re not alone. Thousands of consumers and businesses in New York turned to these loans during the pandemic to cover expenses. Unfortunately, many now face UCC liens, lawsuits, and judgments due to non-payment or underpayment—often caused by the excessively high interest rates charged by MCA lenders.
That’s where MCARNC steps in. We have extensive experience defending clients against aggressive lenders and their attorneys, securing settlements that save our clients thousands of dollars.
A merchant cash advance (MCA) loan is a form of short-term financing that provides businesses with quick access to capital. It is commonly used by small business owners who struggle to secure traditional loans due to lack of collateral, poor credit, or other financial hurdles. Instead of a fixed monthly payment, the lender takes a percentage of the borrower’s future sales revenue or receivables until the debt is repaid.
At MCARNC, we understand the financial strain that MCA loans can place on businesses and consumers, especially those who took them out during challenging times. Our firm defends clients against UCC liens, lawsuits, and judgments pursued by lenders attempting to collect on defaulted or delinquent loans. These defaults often lead to excessive interest rates and fees, sometimes exceeding 30% to 100% or more.
We work to protect our clients by:
✔ Challenging aggressive collection practices and legal actions
✔ Negotiating settlements that reduce repayment amounts and interest charges
✔ Seeking case dismissals when applicable
Our goal is to help clients regain financial stability while minimizing the impact of predatory lending practices.
If you’ve received a UCC lien notice, a default claim, a lawsuit, or a collection attempt related to your merchant cash advance loan, don’t wait—contact MCARNC immediately. Our experienced attorneys have successfully defended clients against nearly every major MCA lender and their legal teams. We will guide you through your options, protect your rights, and fight for the best possible outcome in your case.
A Merchant Cash Advance (MCA) is a business financing arrangement where a company receives a lump sum of capital in exchange for a portion of its future sales. While MCAs can provide quick funding for small businesses, they often come with high costs and can quickly become a financial burden. If you're struggling with MCA debt, renegotiating your terms may help improve your business's cash flow and financial stability.
Business debt settlement is a process that allows companies to negotiate their outstanding debt and settle for less than the total amount owed. If you’ve fallen behind on payments, you may start receiving persistent phone calls, letters, or even face a lawsuit from commercial debt collectors. Debt settlement can help you reduce your financial liability and avoid aggressive collection actions.
The business debt settlement process can take time and often requires professional assistance from a debt settlement attorney or firm. Here’s how it works:
✔ Notifying the Collection Agency – Your attorney or settlement firm informs the collection agency that you intend to negotiate and requests that they stop contacting you directly.
✔ Building Settlement Funds – If you don’t have immediate funds to negotiate, you may contribute to a dedicated account each month until you have enough to make a settlement offer.
✔ Negotiating a Reduced Payment – Once you have sufficient funds, your representative will negotiate with the agency to settle the debt for less than the original amount owed.
✔ Finalizing the Agreement – If an agreement is reached, you’ll receive a written statement confirming that the debt has been satisfied and that the remaining balance is forgiven.
If you're facing MCA debt or business debt collection, seeking legal guidance can help protect your rights and improve your financial outcome.
Settling your business debt can provide significant financial relief, depending on your situation. If your business is struggling, negotiating a reduced payoff amount can help keep it afloat. If you're closing your business, settling can help protect your personal assets—especially if you signed a personal guarantee, meaning you're personally responsible for repaying the debt if your business cannot.
✔ Save Money – Experienced debt attorneys understand the industry, collection agency tactics, and legal strategies to negotiate lower settlements, potentially saving you thousands.
✔ Know Your Rights – A lawyer ensures that collection agencies follow the law and protects you from harassment, unfair practices, or legal violations.
✔ Act as Your Representative – Instead of dealing with constant collection calls, your attorney serves as the middleman, handling all communication on your behalf.
✔ Negotiate the Best Outcome – Depending on your debt amount, an attorney can work to settle for less, reduce penalties, and help restore your financial standing.
If your business is unable to pay its debts or you can't afford to repay unsecured loans, settling can be a smart way to reduce what you owe, relieve financial stress, and start rebuilding your credit.
You’ve taken out a merchant cash advance (MCA), you may already have an MCA UCC lien on your business credit reports. While this is typical for MCAs and other forms of business financing, it could impact your ability to get credit in the future. This is especially the case if the information in the UCC lien is incorrect.
Moreover, the lien could impact your business if you fail to repay the merchant cash advance. Here’s what you need to know about MCA UCC liens, how they affect borrowers, and how to get rid of one. UCC is short for the Uniform Commercial Code, a set of laws that help uniformly regulate business transactions.
A UCC lien filing, also referred to as a UCC lien or a UCC-1 lien, is a financing statement that creditors can file with the secretary of state when borrowers take out a small business loan.
Essentially, the UCC filing states that the lender has placed a lien against one or more of your business assets. For instance, if you’ve taken out an equipment loan, it’ll typically be a specific collateral lien against the piece of equipment you used to secure the loan.
In cases where you’ve taken out an unsecured loan or a merchant cash advance, the lender may use a blanket UCC filing or blanket lien, which places a lien on all of your company’s assets. This could include income streams and future receivables.
In either case, the lien placed on your assets can be used to seize those assets to satisfy the debt. In addition to that, many lenders (including merchant cash advance lenders) will usually also require a personal guarantee so that you’ll be personally liable for the debt if your business can’t repay it.
UCC liens are common place in commercial lending, so don’t be surprised if you find one on your business credit reports after taking out a merchant cash advance or any other type of business financing.
The UCC filing isn’t an indicator that you’ve done anything wrong, so it won’t directly impact your business credit scores. However, if you want to obtain credit again in the future, lenders may balk at approving your application. This is especially true if you have a blanket UCC filing.
This is because your existing creditor has indicated that they can lay claim to one or more of your assets if you can’t pay your bills. If it’s just one asset for an equipment loan or other type of funding, it just means you can’t use that asset to secure another loan as long as the original loan is still outstanding.
But if you have a blanket UCC filing, the new creditor will have subordinate status. In other words, if you default on your debts, the lender with the first UCC lien will have first dibs on your assets. If there’s nothing left over after that, subsequent lenders may not get repaid.
So while UCC liens won’t hurt your credit scores directly, they can impact your overall creditworthiness.
Finally, if you can’t repay a merchant cash advance, the MCA provider may go so far as contacting your existing customers and demanding payment from them for the goods or services you’ve provided. This is because your customers have essentially purchased your future accounts receivable, so their future payments to you are considered an asset for purposes of the UCC lien.
If you find that the filing is inaccurate, you can dispute the information with the secretary of state in the state you reside. That said, you may try to contact the MCA provider first to see if they’ll change it on their own. But if not, you have regulators to help protect you and your business. You can also contact a merchant cash advance attorney that regularly resolves business debt.
In most cases, UCC-1 filings are removed as soon as the borrower has repaid the debt. However, an MCA UCC lien can stay on your business credit reports, even after you’ve satisfied the debt.
If this happens, you have some options hire a Business Attorney.
If you don’t have the time to deal promptly with your MCA funder. In many situations where something goes wrong with a UCC lien, An attorney can also be worth considering if you’ve defaulted on your MCA. An attorney can also help you navigate the process and even negotiate a settlement to pay less than what you owe.
Merchant cash advances are one of the most expensive forms of business funding. If you have an MCA UCC lien on your business, you’ll need to pay off or refinance the debt to get rid of it.
Defaulting on business debt means you’ve breached your contract with the lender. At that point, they can take additional steps to collect the debt. For instance, They may take legal action and sue you in court. This is not only costly in terms of legal fees, but you could end up having your bank accounts frozen, assets liquidated, and more if you lose the case.
With some types of business financing, such as merchant cash advances (MCAs), your contract may contain aConfession of Judgment (COJ). This allows the creditor to file a lawsuit and obtain a judgment against your business without going through the regular lawsuit process or giving you the opportunity to represent yourself in court.
General Business and Contract Law
Get Debt Relief For Your Small Business Hardship with a Small Business Debt Consolidation Program.
The role of a business and corporate law attorney should be to protect the business and save the business money.
At the end of the day, our goal is to get the best result for you. Depending on your situation, Our attorneys are often able to settle outstanding debts quickly for pennies on the dollar. Our attorneys are often able to turn the tables so that creditors who break the law attempting to collect a debt from you actually wind up owing you money. Our attorneys are able to pursue all of these options without the need to file for bankruptcy.
We negotiate your debts with MCA lenders and creditors, we can represent you and protect your interests and assets. We help you Get your business out of debt within your limited weekly budget.
Our Lawyers have an extensive background in technology and Business property law. We have the experience and perspective to represent your new or existing business in an ever-changing world.
We are ready to assist you in modifying you’re existing business Merchant Cash contracts with Lenders/Funders this is a core aspect of the Firm's practice. Firm use of technology allows us to handle matters quickly, efficiently, and effectively for our clients. It also enables us to maintain an electronic library to meet research needs. I have the capability of exchanging and transmitting data and information electronically with clients and the courts. Despite the use of technology, a one-on-one relationship with my clients is the keystone of my office’s case strategy and reputation.
We are ready to assist you in modifying/settling you’re existing business Merchant Cash contracts with Lenders/Funders. this is a core aspect of the Firm's practice.. I have the capability of exchanging and transmitting data and information electronically with clients and the courts. Despite the use of technology, a one-on-one relationship with my clients is the keystone of my office’s case strategy and reputation.
Our Commercial litigation lawyers are respected for their skillful and effective representation. We represent clients in a variety of business law matters. We have the resources and knowledge needed to protect your financial interests and help you avoid potential problems in the future.
Each client receives our full attention. We continually communicate with our clients and keep them fully informed of the status of their cases, as well as abreast of the latest changes in Business law.
For further information regarding our specialties in Business law as well as for more information regarding our other areas of practice, please start your case online by clicking on the appropriate link in the start now to fill out our case intake form.
MCARNC helped me navigate my merchant cash advance debt and secured a settlement that saved me thousands. Highly recommend their expertise and professionalism!
The team at MCARNC fought hard against aggressive lenders and got my lawsuit dismissed. I couldn’t have asked for better legal support!
MCARNC handled my case with precision and care, negotiating a repayment plan that worked for my business. Their dedication and knowledge made all the difference!
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