We defend New York businesses and personal guarantors against aggressive Merchant Cash Advance lawsuits, collection actions, confessions of judgment, and frozen accounts — when the funder comes for your business, we go to work.
Defending against Merchant Cash Advance lenders is a highly niche field of law. MCAs erupted in popularity over the past decade, with funders filing thousands of confession judgments against small businesses and their personal guarantors — primarily in New York.
The practice overwhelmed the courts and ultimately forced the legislature to ban most confessions of judgment. The New York Attorney General and other regulators have since pursued multiple MCA lenders for usury, deception, and fraud.
We focus our practice on the businesses and guarantors caught up in those cases — and on the business litigation that often comes with them.
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MCA agreements are aggressively marketed as "purchases of receivables" — but many of them function as disguised, usurious loans. When the funder sues, freezes your accounts, or files a judgment, the contract terms and the funder's conduct are both fair game for challenge.
We represent New York businesses and personal guarantors in MCA-related actions across state and federal court, with a focus on early intervention to protect cash flow.
Pick a time that works for you. Your matter can greatly benefit from talking to us sooner rather than later.
Brief, confidential intake. We respond same day on business days.
Office
139 Fulton Street, Suite 801
New York, NY 10038
Phone (718) 200-2866
Email Contact@LawByDavid.com
Languages English · Russian · Spanish