Now Reading: Texas MCA Defense Lawyers Business Debt Relief


Texas MCA Defense Lawyers Business Debt Relief

February 24, 20246 min read

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See also  Arkansas MCA Defense Lawyers Business Debt Relief

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 Are you a Texas business owner struggling with merchant cash advance (MCA) debt? You’re not alone. Many businesses have found themselves trapped in predatory MCA loans with exorbitant interest rates and aggressive collection tactics. But there is hope – Texas MCA defense lawyers can help protect your business.At Delancey Street, our legal team partners with businesses to negotiate settlements on MCA loans and defend against lawsuits. We take an empathetic approach and fight to get you the best possible outcome. With over 10 years of experience, we’ve helped countless companies find financial freedom.

How Predatory MCA Loans Trap Texas Businesses

Merchant cash advances seem enticing at first. MCA companies promise quick access to capital without requiring a strong credit profile or collateral. But they often fail to properly disclose the loan’s true cost.

  • Securitizing – Securitizing MCA loans provides capital for lending but incentives maximizing volume over loan quality
  • Overreliance – This manifests through overreliance on limited data, ignoring total debt obligations, and rushing due diligence

Once a business signs the MCA agreement, they may suddenly find themselves paying the equivalent of 70-400% APR when the daily repayments are annualized. The contracts also include aggressive collection terms that allow the MCA company to raid the merchant’s bank accounts and even threaten criminal charges.Many Texas business owners feel embarrassed about falling for the MCA trap. But predatory lending happens more often than you think. At Delancey Street, there’s no judgment – just compassion and a determination to get you the best settlement.

Texas MCA Defense Lawyers Can Challenge Unfair Loan Terms

While MCA loans occupy a legal gray area outside of Texas usury laws, our experienced attorneys can often successfully:

  • Negotiate settlements – We leverage our litigation experience and negotiating tactics to persuade MCA companies to settle for significantly reduced payoff amounts. Settlements often range from 25-75% off the full balance.
  • Defend against lawsuits – If sued by an MCA company, we build strong legal arguments regarding unfair and deceptive loan provisions. Then we negotiate with the MCA company from a position of strength.
  • Protect your assets – If an MCA company illegally attempts to freeze your bank accounts or garnish wages, we respond quickly with emergency court orders to regain access and control.
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As your legal advocates, our top priority is leveraging our expertise to resolve your MCA debt for as little money as possible. We want to help stabilize your business so you can get back to growth.

Delancey Street – Your Ally in the Fight for Financial Freedom

Since 2012, Delancey Street has helped over 10,000 business owners negotiate settlements on commercial debt and get their finances back on track. Our unique service model combines experienced attorneys with financial experts to create tailored action plans for each client.We understand how stressful and confusing it can be to unravel predatory MCA loans on your own. The Delancey Street team promises to walk this path with you, aggressively defending your interests so you can rest easier at night.To learn more or get started with a free consultation, don’t hesitate to reach out. Call 212-210-1851 or contact us online today.

Frequently Asked Questions

How quickly can you help resolve my MCA loan issues?

We move fast. The consultation and onboarding process takes about 2 weeks. Then our team gets to work right away negotiating your settlement. Most cases reach resolution in 90-120 days.

What results have you achieved for other Texas business owners?

We have an excellent track record negotiating 25-75% discounts off the full balance owed on MCA loans. And when lawsuits get filed, we have a 90% success rate defending our clients’ interests in court.

What kind of financial information do you need from me?

We’ll request 2 years of bank statements along with details on your revenue streams, assets, debts, and other key financial documentation. This allows us to deeply understand your business finances so we can build the strongest case possible.

How much does your service cost?

Our fees are success-based, meaning we only get paid if we negotiate a discount for you. Our fee is a percentage of the savings achieved. So the more we save you, the more we earn. This alignment incentivizes us to be aggressive on your behalf.

Take Control of Your Financial Future

Don’t let predatory MCA loans continue dictating your business finances. The team at Delancey Street can help you break free from this debt burden so you can thrive once again. We offer a free consultation to review your situation in depth. Or give us a call today at 212-210-1851 to learn more about how Texas MCA defense lawyers can help your business find financial freedom.


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