Los Angeles MCA Defense Lawyers
AS SEEN ON major outlets nationwide, we’re here to protect your interests.

Are you worried about a Merchant Cash Advance (MCA) lawsuit in Los Angeles?
We understand that MCA problems can leave you feeling overwhelmed, especially if you’re afraid of losing money, hurting your credit, or even going out of business. We are DelanceyStreet.com, a top tier business debt relief company based out of NYC, and we help clients nationwide. We believe that no matter how serious your MCA issue is, you deserve a strong defense plan.

What Is an MCA Lawsuit?
An MCA lawsuit is a legal action that was filed by MCA providers when they claim you owe them unpaid debt. A lawsuit that was filed can lead to judgments, wage garnishments, and even force you to consider bankruptcy. Our Los Angeles MCA Defense Lawyers know how to analyze each debt-related issue, in order to find potential defenses that protect you. If you ignore an MCA lawsuit, there could be serious consequences, like default judgments or frozen business accounts. We don’t want that to happen to you.

Crimes, Punishments, and Penalties
Did you know that an MCA lawsuit could lead to allegations of fraud if the lender believes you took the advance under false pretenses? Allegations that were brought against you might trigger penalties in civil or criminal courts. If fraud is claimed and proven, you could face fines or even jail time. If your business is accused of wrongdoing, that accusation could lead to possible prosecution which might result in a severe verdict, and that verdict may come with harsh sentencing. Once sentencing is issued, there might be mandatory restitution, which means you could be forced to repay any losses plus additional fees.

Evidence That Was Illegally Obtained May Be Inadmissible
We often see creditors gather statements or documents in ways that are questionable, and evidence that was illegally obtained may be inadmissible, which means it could be thrown out in court. If evidence is thrown out, the lender might lose their case against you. That could save you money, protect your credit, and keep your business open. We want to help you detect these flaws, so you don’t pay a cent more than you owe.

Legal References
If you need more information about your rights and protections, consider visiting the Federal Trade Commission (FTC) to read about fair lending practices. You can also check out the Consumer Financial Protection Bureau (CFPB) for guidelines on small business lending. Each agency provides detailed resources that can help you understand your legal protections.

Strategies for MCA Defense
We are Los Angeles MCA Defense Lawyers, who focus on giving you real solutions that fit your budget and timeline. Our defense often includes:

• Debt Restructuring: We negotiate with the MCA provider to get better repayment terms, which can lower your monthly payments, and help keep your doors open.
• Evidence Review: We carefully study all documents that were used by the MCA provider to see if something was obtained illegally or if the terms are unfair.
• Legal Motions: We file motions to dismiss if the lender lacks proper evidence. If this works, the case might be dismissed, which saves you from judgments.
• Payment Plans: If negotiation fails, we might try a longer payment plan, which could help spread out your payments, and reduce daily or weekly repayment burdens.

Each strategy has consequences, such as potential credit score improvements or possible short-term penalties. For example, if you negotiate a lump sum settlement, you might pay less overall, but it could show up on your credit report as “settled for less than owed,” which can limit future financing options.

Our Approach at DelanceyStreet.com
We believe in open communication. We reach out to lenders right away, and we tell them your story. They might be willing to set up a payment plan. Sometimes, they reduce principal. Regardless of the situation, we will stand up for your rights. Our experience with MCAs is extensive, and we know how to figure out what defense strategy works best. We do this every day, for clients from Los Angeles to NYC.

Why We Care About Blue Collar Workers
Many business owners who were approved for MCAs needed fast funding to cover payroll or equipment. We get it. If you face a lawsuit now, you might feel stuck. We won’t judge you. We want to help you fight back. We want to fix your debt and defend your livelihood.

Case Results That Speak Volumes
We’ve helped business owners who were facing possible bankruptcy. We renegotiated their MCAs, slashed their debts, and avoided court judgments. Sometimes, we’ve even extended their payment term by an extra 1-3 years, which let them stay afloat. If we succeed, you might avoid major legal fees, keep your staff employed, and focus on growing your business.

FAQs
What happens if I ignore an MCA lawsuit?
You risk a default judgment, which means the court decides in the MCA provider’s favor automatically. That results in garnishments or frozen accounts. This outcome can hurt your business deeply.
Can I handle the case on my own?
Yes, you can, but missing critical legal deadlines could hurt you even more. If you miss a court date, that might lead to a faster judgment against you. We urge you to consider hiring counsel.
Is there a chance of going to jail?
It depends on the allegations. If the MCA provider accuses you of fraud or deception, and the matter becomes criminal, the stakes are high. If you’re convicted of criminal charges, that conviction can lead to probation, fines, or possible jail time.

Contact Us Today
We fight. We protect. We win. That’s our mission. If you’ve been served with an MCA lawsuit in Los Angeles, we want to help you right now. Visit DelanceyStreet.com to schedule a consultation and learn more about our services.