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MCA Defense Law
Merchant Cash Advance Attorneys

Experienced MCA Defense
for small businesses under attack.

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.

David Ilganayev, Esq.
David Ilganayev, Esq.
Principal Attorney

Why MCA defense requires specialized counsel.

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.

Representing New York businesses and guarantors statewide.
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Merchant Cash Advance Defense

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.

What We Handle

  • MCA lawsuits and breach-of-contract claims
  • Confession of judgment vacatur
  • Restraining notices and account freezes
  • Personal guaranty defense
  • Usury and recharacterization arguments
  • Settlement and workout negotiations

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Office 139 Fulton Street, Suite 801
New York, NY 10038

Phone (718) 200-2866

Email Contact@LawByDavid.com

Languages English · Russian · Spanish

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