We defend businesses and personal guarantors facing Merchant Cash Advance lawsuits, judgments, frozen bank accounts, and aggressive collection efforts in New York and New Jersey. We also represent clients nationwide in pre-litigation MCA disputes and settlement negotiations, with a focus on protecting cash flow, limiting disruption, and resolving problems before they get worse.
Merchant Cash Advance litigation presents issues that are different from ordinary commercial lawsuits. Over the past decade, MCA funders have brought thousands of cases against small businesses and personal guarantors, many of them in New York and New Jersey.
MCA cases move quickly and often involve aggressive collection tactics, personal guarantees, account restraints, and complex funding agreements. We handle these disputes with a practical understanding of how MCA funders operate, how their agreements are structured, and where the strongest defenses and settlement leverage may exist. That experience allows us to identify the real issues early and develop a focused strategy instead of treating the case like ordinary commercial litigation.
We represent businesses and guarantors facing MCA lawsuits, collection efforts, account restraints, and related commercial litigation. Our focus is on understanding the underlying transaction, identifying available defenses, and developing a practical strategy for resolving the dispute.












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Merchant Cash Advance agreements are usually written as purchases of future receivables, but the label on the contract does not always control. Depending on how the agreement is structured and enforced, an MCA may operate more like a loan and may be subject to defenses involving usury, breach of contract, improper collection practices, or other legal issues.
We represent businesses and personal guarantors facing MCA lawsuits, bank account restraints, judgments, and collection actions in New York and New Jersey. We also provide pre-litigation MCA representation and settlement negotiations for businesses throughout all 50 states, including reviewing funding agreements, responding to default notices, negotiating payment terms, and working to resolve disputes before a lawsuit is filed.
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Office
139 Fulton Street, Suite 801
New York, NY 10038
Phone (718) 200-2866
Email Contact@LawByDavid.com
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