Struggling with debt?

DelanceyStreet.com Helps a Business Owner Save Over $400,000!
That’s the headline we love to share—because we’ve seen it happen. We’ve helped businesses facing tough merchant cash advance situations find relief. We understand MCA debt. We understand how to protect you. We fight—to make sure you can continue operating.

AS SEEN ON major media outlets, DelanceyStreet.com is a top-tier business debt relief company focused on merchant cash advance debt settlement, debt negotiation, and more. We’re here to talk about a powerful tool you might never have heard of: an MCA Debt Workout.

What Is an MCA Debt Workout
An MCA debt workout is a structured conversation and agreement with your MCA provider that restructures your debt. It’s designed to revise the terms of how you repay that merchant cash advance. Instead of going under, struggling impossible daily or weekly payments—you renegotiate so your business can keep running. We believe it’s a way to avoid going out of business.

How Does an MCA Debt Workout Work
A debt workout is more than simply asking for a reduced payoff. It’s a methodical plan to address:

1. Repayment Terms: You might reduce your daily withdrawal. Or, you might negotiate a longer repayment window.
2. Principal Reductions: Sometimes, MCA providers agree to cut the total you owe—especially if you can offer a lump sum.
3. Interest Factor Adjustments: MCAs use a factor rate (e.g., 1.3, 1.4, etc.) instead of a traditional interest rate. During a workout, we aim to reduce this factor rate to something more reasonable.

Regardless of how big your MCA debt is—we can help you. We work to show the MCA provider why it’s better to lower your payment structure than push you into closing down and getting $0.00 from you.

POTENTIAL PENALTIES
Some MCA agreements include aggressive clauses. They can:

• TAKE YOUR WAGES by freezing accounts—or leveraging Confession of Judgment (COJ) clauses
• Move to seize your business assets if you signed a personal guarantee
• Stack debt if you needed multiple MCAs—leading to additional daily withdrawals

The Federal Trade Commission (FTC.gov) warns small businesses about predatory financing tactics. The Consumer Financial Protection Bureau (consumerfinance.gov) also provides resources on the risks of high-cost loans. Check those out if you want more background on the legal environment of MCAs.

Legal Implications
MCAs are not always governed like traditional loans. They may not fall under standard usury laws in your state. Regardless, there are state and federal rules—(like Uniform Commercial Code provisions)—that can come into play if there’s a dispute.

If you’re sued, an MCA provider might rely on a COJ to get a judgment—without a traditional court process. That can let them:

• Take your wages
• Freeze your bank accounts
• Place liens on business or personal property

Moreover, you could face tax implications if you settle your debt for less. The Internal Revenue Service (IRS.gov) sometimes considers forgiven debt as taxable income.

Defense Strategy
Here’s the bottom line. If you’re dealing with an MCA debt workout—you need a plan. At DelanceyStreet.com, we have a sister law firm, which means we can do more than just talk about negotiations. We can help you defend yourself.

We Fight. We Negotiate. We Help You.
Our multi-faceted MCA defense strategy involves:

1. Reviewing Your Contract
   We check for hidden fees, illegal clauses, or contradictory terms. If your MCA includes oppressive terms—we aim to challenge them and make sure they get stricken.

2. Challenging Confessions of Judgment
   Many MCA agreements rely on a COJ, which can be legally questionable in certain states. We have attorneys who look at the validity of that COJ.

3. Negotiating Principle Reductions
   Regardless of where you are in the process… Regardless of how large your debt is… Regardless of how many MCAs you have… We aim to reduce the overall amount you owe. It is possible to get ahead of this, if you take proactive steps, and hire Delancey Street.

4. Adjusting Payment Terms
   If you’re drowning in daily withdrawals—we push for weekly or monthly payment arrangements that align with your cash flow. It’s possible to get out of this situation – but you have to take steps ASAP.

5. Preventing Lawsuits and Bank Freezes
   By proactively speaking with your MCA lender, we can often avoid the nuclear option of immediate bank account freezes, and bankruptcy.

6. Asset Protection Strategies
   If you’ve signed personal guarantees—we look at ways to shield your home or personal accounts.

Look, we get it. You’re busy. You’re worried about your business. Guess what? That’s exactly why we’re here.

DelanceyStreet.com
We are dedicated. We are EXPERIENCED. We can help you handle your MCA debt. Like we mentioned, we’ve helped business owners reduce over $400,000 in MCA obligations—it’s possible if you have the right approach.

Additional Resources
If you want to learn more about the laws and regulations that might affect your MCA, visit:

• SBA.gov (SBA.gov/funding-programs/loans)
• FTC.gov (FTC.gov/business-guidance)
• ConsumerFinance.gov (consumerfinance.gov)

Anyway, that’s our bottom line. A merchant cash advance can be a quick way to get money, but it can be a nightmare if the terms are crushing your business, and about to put you in bankruptcy.  An MCA debt workout is a potential lifesaver that can keep you in business and avoid lawsuits.

DISCLAIMER
This is not formal legal advice. Every business has unique circumstances, and laws differ by state. Please consult an attorney regarding your specific situation. If you want to talk about your debt challenges, we can help you.