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You poured your life into this business, didn’t you? The blood, sweat, and tears – you left it all on the field. So, when cashflow took a hit, you did what any entrepreneur would do: you took a merchant cash advance to keep the dream alive. But now, those daily debits are like a millstone around your neck, and the MCA company plays dirtier than a hedge fund manager. They’re coming for your personal assets, your accounts – hell, they might even sue you into oblivion.Does this sound familiar? If so, you need a fighter in your corner, someone who can go 12 rounds with these corporate vultures. Someone like the gladiators at Delancey Street: Seattle’s most elite MCA defense firm. We eat MCA cases for breakfast, lunch, and dinner – it’s all we do. So buckle up, because this is how we’d handle your nightmare.

The Anatomy of an MCA Assault

First, let’s dissect what’s happening here. You took an advance based on your projected receivables, right? The MCA company bought a slice of your future revenues at a discount. But then sales slumped, and you couldn’t make those daily repayments. Bam – you’re in default according to their draconian contract.Now the gloves come off. The MCA vultures start circling with their collection tactics:

  • They file a UCC lien to try freezing your bank accounts and merchant accounts. Surprise – your cashflow just got cut off at the knees.
  • They invoke the dreaded “confession of judgment” clause to get a judgment against you without you ever seeing a courtroom. Yes, you may have signed this poison pill unknowingly.
  • They go after your personal assets and accounts if you signed a personal guarantee. That home, savings, investments – it’s all on the table now.
  • They sue you and your business into oblivion for “breach of contract” and “unjust enrichment.” Those legal fees will bleed you dry.
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Sound like a nightmare? It gets worse – some of these MCA companies are basically legal loan sharks operating in broad daylight. They know the laws around usury don’t apply to merchant cash advances, so they load up on outrageous fees and interest rates that would make Tony Soprano blush.But wait, you might be thinking – I’m a good person who hit a rough patch, surely they’ll be reasonable? Think again. To an MCA company, you’re just a number, a revenue stream to be extracted at all costs. They have no soul, no mercy. It’s a financial mugging, plain and simple.

The Delancey Street Counterpunch

This is where we at Delancey Street enter the ring. We’re not just MCA attorneys – we’re a kick-ass SWAT team of legal experts laser-focused on smashing these MCA predators. When you hire us, we become your financial Navy SEALs, trained to neutralize every dirty tactic the MCA goons can throw at you.Our first move? We look for any whiff of impropriety, fraud, or illegality in their contract or conduct. Did they bury usurious rates in dense legalese? Did they misrepresent the terms? Did they ignore reconciliation clauses that should have adjusted your payments as revenues fell? If so, we go for the jugular – those violations could get their case tossed and maybe even spark regulatory action.But let’s say their paperwork is airtight. We’re just getting warmed up. Our next weapons are aggressive negotiation and strategic default. We analyze your financial position and calculate the nuclear option: is it better to repay a portion of the debt, or to let the MCA sue and then aggressively defend? This is where our number-crunching nerds really shine.If we do engage the MCA company, we couple iron-fisted negotiation with a killer legal defense. We hit them with affirmative claims for violations of usury laws, truth in lending mandates, and other consumer protections. We also pursue any improper collection tactics like freezing accounts without notice. The message is clear: the gloves are off, and we’re going for blood.Throughout this battle, we leverage every legal and factual angle to defuse the MCA’s case. Did they provide the required disclosures? Did they verify your revenues? Did they ignore communications about your struggles? Any misstep is a potential dagger to their claims.And if they want to get dirty by going after your personal assets? We shut that down with laser-focused asset protection strategies. We’ll leverage every legal entity, trust, and statutory exemption to build an impenetrable fortress around your personal wealth. The MCA predators can threaten all they want – they’ll never get a penny that’s not explicitly agreed.

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The Path to Financial Freedom

Look, we get it – this MCA debacle is a nightmare. The stress, the uncertainty, the looming potential for financial ruin – it’s enough to make anyone’s head spin. But that’s exactly why you need to bring in the heavy artillery of Delancey Street. We’re not just litigators, negotiators, and financial mavens – we’re warriors for justice and economic freedom.With us as your shield wall, you can sleep easy knowing the MCA beast is being systematically dismantled. We’ll handle every maneuver, every filing, every hearing with uncompromising tenacity. We don’t just win MCA cases – we utterly demoralize the opposition through relentless legal assaults.So if you’re staring down the barrel of an MCA disaster, don’t go it alone. Delancey Street is your elite force, your economic Seal Team Six. We’ll confront the enemy on every front until you’re free from their clutches, able to rebuild your business and your life. All you have to do is make the call and let the savagery commence.

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

"Super fast, and super courteous, Delancey Street is amazing"
$500,000 MCA Restructured Over 3 Years
"Thanks for helping me in literally 24 hours"
$250,000 SBA Loan Offer in Compromise
"Great choice for business owners who need a trustworthy partner"
$350,000 MCA Restructured Over 2 Years

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