Struggling with business debt?

Merchant cash advances, sound harmless enough, right? Just a cash injection to rev up your entrepreneurial engine: a little go-juice to supercharge growth, no biggie. But, what they don’t tell you, is that these “advances” are really just high-interest loans, wrapped up in a pretty, misleading package – designed to trap you in a vicious cycle of debt.And, when the debts start piling up, and your business is gasping for air, those same lenders will turn into ravenous wolves, circling for the kill. They’ll file lawsuits, slap liens on your assets, even try to garnish the hard-earned money you make from customers – all while their teams of corporate attorneys work tirelessly, to drown you in a sea of legal mumbo-jumbo.But, you don’t have to go it alone, against these deep-pocketed sharks. Because, right here in California, there’s an elite force of merchant cash advance defense lawyers, who’ve made it their life’s mission, to protect entrepreneurs like you, from these predatory lending practices.

Battling MCA Lenders Is What We Do – And We’re Damn Good At It

At Delancey Street, we’re not just attorneys, we’re merchant cash advance EXPERTS. We’ve been fighting this fight for years, and we know every dirty trick, every loophole, every underhanded tactic these lenders use to try and bleed you dry.We don’t just handle the legal side, we dive deep into the financial weeds, to dissect your MCA agreements with a fine-toothed comb. We’ll scrutinize every clause, every fee, every APR calculation, looking for any shred of evidence that these lenders violated the law, or took advantage of you.Because, you see, that’s how we WIN cases. Not with some cookie-cutter defense, but with a laser-focused, meticulously-crafted strategy, tailored specifically to your unique situation. When you’re a client of Delancey Street, you’re not just a number, you’re part of the family – and we fight for family.

The Delancey Street Battle Plan: A Merciless, Multi-Pronged Assault on MCA Bullies

Buckle up, because this is how we take the fight to those MCA lenders:

1. The First Salvo: NegotiationWe don’t go in guns blazing (unless we have to). First, we extend an olive branch, and try to negotiate a settlement that works for YOU. A restructured payment plan, reduced fees, whatever it takes to stop the financial bleeding, and get you back on track.
2. The Courtroom Offensive: All-Out Legal WarfareBut, if those corporate fat cats won’t play ball? Well then, it’s time to unleash the the full fury of Delancey Street’s legal arsenal. We’ll file pre-emptive strikes to stop lawsuits and lift liens in their tracks. We’ll counterpunch with our own claims of fraud, usury, you name it – using every legal weapon in our armory to crush their case into submission.
   

   “I was drowning in MCA debt, getting sued left and right. Delancey Street was my life raft – they fought tooth and nail, until finally, those lenders waved the white flag. I’d have lost everything without this team.” – Former Client

3. The Asset Protection Protocols: Shielding What’s YoursBut we don’t stop there. Because even as we’re battling your creditors, we’re working behind the scenes to safeguard your assets, your income, your entire business. We’ll implement advanced asset protection strategies, so that not a single penny of your hard-earned money gets siphoned away by these vultures.
   

   “The team at Delancey Street didn’t just win my case, they PROTECTED my business, my assets, my whole livelihood. I’ll never be able to thank them enough.” – Grateful Client

4. The Fresh Start Initiative: Rebooting Your Financial FutureAnd if all else fails? If debt has become a cancer, eating away at your business? We’ll pursue bankruptcy as a last resort – using it as a tool to hit the reset button, and give you that fresh start you deserve.

So, whether it’s negotiating a settlement, battling it out in court, shielding your assets, or charting a new path forward, Delancey Street has you covered from every angle. We are RELENTLESS in our pursuit of justice for entrepreneurs like you.

Trending News: The MCA Industry’s Shady Practices Are Finally Being Exposed

In a shocking development, the New York Attorney General just fired a massive shot across the bow of the entire merchant cash advance industry. A recent investigation uncovered RAMPANT deception by MCA lenders, who have been blatantly lying to small business owners about the true costs of their “advances.”According to the AG’s findings, lenders were grossly underestimating annual percentage rates (APRs), quoting numbers as low as 10%, when the actual APRs were as high as 350%! In one particularly appalling case, a lender quoted 94% APR, while the real rate was a staggering 1,293%!

“These companies are shamelessly lining their pockets by lying to struggling businesses about the true costs of these financing products,” said the Attorney General. “Pushing unlawful loans with deceptively low rates is unacceptable.”

Well, we couldn’t agree more. And you can bet your bottom dollar that Delancey Street will be leading the charge, using these revelations as ammunition in our fight against MCA abuses. If you’ve been deceived about rates, fees, or any aspect of your cash advance – we WILL hold those lenders accountable.It’s a new day in the battle for entrepreneurial rights, and lenders who don’t play by the rules, will pay a very steep price. Because Delancey Street doesn’t just talk about justice, we DELIVER it.

Still Think You Can’t Afford an MCA Lawyer? Here’s Why You Can’t Afford NOT To

Look, we get it – as a business owner, every penny counts. And with the financial strain of those MCA payments, the idea of paying legal fees on top of that, can seem downright impossible. But here’s the hard truth: trying to tackle this beast alone is a surefire way to lose everything.These lenders have virtually unlimited resources to drown you in legal proceedings. Without Delancey Street as your shield, you’ll be ripped apart by their corporate law army, nickel-and-dimed until you’ve got nothing left. But when we’re in your corner? The tables turn, because now THEY are the ones hemorrhaging cash, trying to fend off our relentless assault.

“I was terrified to spend money on a lawyer, until I realized – not hiring Delancey Street would cost me my entire business. Best investment I ever made.” – Smart Business Owner

So don’t let fear paralyze you. Don’t let those lenders bully you into thinking you’re alone in this fight. Because at Delancey Street, we’ve made it our mission to be affordable FOR entrepreneurs. We’ll work with you on pricing, payment plans, whatever it takes to get you the elite legal representation you deserve.After all, what’s the point in pouring your heart and soul into your business, only to hand it over to a bunch of greedy corporate vultures? Delancey Street ensures that never happens. We are your SHIELD against financial destruction.

Here’s What Our Clients Have to Say About Delancey Street’s Merchant Cash Advance Expertise:

“I was terrified and felt so alone against this massive MCA company. But Delancey Street held my hand every step of the way, answering every question, putting my mind at ease. And in the end, they CRUSHED my case, saving my business and my family’s future.” – Grateful Client

“The team at Delancey Street are like superheroes, with capes made of knowledge and tenacity. They NEVER gave up on me, even when the odds seemed insurmountable. I’d be bankrupt and broken if not for their heroic efforts.” – Awestruck Client

“I’ve worked with MANY attorneys in my business career. But Delancey Street operates at a level of expertise and client care that I’ve never seen before. They aren’t just lawyers, they’re PARTNERS, fighting tooth and nail to protect your interests.” – Veteran Entrepreneur

The Delancey Street Battle Cry: You Risked Everything to Build Your Dream – Let Us Defend It

At the end of the day, you became an entrepreneur to control your own destiny, to build something you could be proud of, something to call your own. You took that risk, you put it all on the line, because you had the courage to chase your dreams.Well, Delancey Street was founded on that same fearless spirit. We started this firm to defend visionaries like you, from the corporate vampires who try to suck you dry. We’re not just attorneys, we’re DREAM PROTECTORS – and we’ll never, EVER, stop fighting for you.So if you’re staring down the barrel of an MCA-related lawsuit, asset seizure, or any other existential threat to your business, don’t go it alone. Let Delancey Street be the ELITE LEGAL FORCE that OBLITERATES those threats, and safeguards the dream you’ve worked so hard to build.Because you don’t have to just “take it” from these lenders. You don’t have to surrender to their debt trap. Not while we’re here, sharpening our legal swords, ready to DEMOLISH anyone who tries to take what’s yours.Your business is your baby. And Delancey Street? We’re the overprotective parents, who’ll burn the world down before we let anything happen to it. So give us a call, and let’s start putting those MCA bullies back in their place – because this is OUR battlefield, and they’re not welcome here.

Potential Hypothetical Scenarios and Conditional Situations

If you default on a merchant cash advance:
The consequences can be severe. The lender may file a lawsuit against you and your business, seeking repayment of the full amount owed, plus interest, fees, and legal costs. They could also attempt to seize your assets or place liens on your property. In some cases, they may even try to enforce a personal guarantee, putting your personal assets at risk.If your business income falls:
Many MCA agreements contain reconciliation clauses that allow for adjustments to your daily or weekly payment amounts based on your actual sales volume.

However, some unscrupulous lenders may ignore these clauses and continue to withdraw the same, unsustainable payment amounts, even as your income decreases.If you signed a confession of judgment:
This is a particularly dangerous clause found in some MCA contracts. By signing a confession of judgment, you essentially waive your right to defend yourself in court if the lender sues you for default. The lender can obtain a judgment against you without you ever having a chance to present your case or raise any defenses.If the lender misrepresented the terms:

MCA lenders are notorious for obscuring the true costs of their “advances” by quoting deceptively low annual percentage rates (APRs) or using misleading marketing tactics. If you can prove that the lender misrepresented the terms or failed to disclose important information, you may have grounds to challenge the validity of the agreement or seek damages for fraud.If the lender violated usury laws:

While MCA agreements are technically not loans, and therefore not subject to traditional usury laws, some states have begun to regulate the industry and cap the allowable fees and interest rates. If the effective APR on your MCA exceeds the legal limit in your state, you may be able to argue that the agreement is void and unenforceable.In any of these scenarios, having an experienced MCA defense attorney on your side can be invaluable. They can help you understand your rights, explore your options, and develop a strategic defense tailored to your specific situation. Don’t wait until it’s too late – if you’re facing issues with an MCA, seek legal counsel immediately.