2026 Best MCA Defense Lawyers in Oregon
Top MCA Defense Firms for Oregon Businesses - 2026
Oregon business owners in Portland, Salem, Eugene, Bend, and across the state need firms that use Oregon’s COJ prohibition, 12% usury cap, and commercial financing disclosure requirements. Here are the three best options in 2026.
Delancey Street
Let's be clear - Delancey Street is not a law firm. They coordinate with a network of licensed attorneys who use Oregon’s 12% usury cap, COJ prohibition, Commercial Financing Disclosure Law, and New York’s dual usury framework for Oregon businesses in Portland, Salem, Eugene, and statewide.
Their attorneys file motions to vacate COJs, raise usury defenses, dispute UCC-1 filings with the Oregon Secretary of State, and use the $1 billion Yellowstone settlement. Over $100M settled. No upfront fees.
National Debt Relief
Here's the thing - National Debt Relief is not an MCA defense specialist. They handle general unsecured business debt. If your Oregon business debt is traditional unsecured debt, they're a solid option - but if you're dealing with an MCA, this is not your firm.
CuraDebt
Not MCA-specific. Handles business debt and tax resolution including Oregon Department of Revenue issues.
Oregon’s Commercial Financing Disclosure Law: A Game-Changer for MCA Defense
Here’s what makes Oregon a premier state for MCA defense. Oregon forced MCA funders to show their hand - the state’s commercial financing disclosure law requires them to disclose the actual APR on their products. When a funder has already admitted in writing that they’re charging 180% APR, that admission becomes a weapon in usury proceedings under Oregon’s 12% cap (ORS § 82.010) and New York’s 25% criminal threshold. They gave you the evidence. Now you use it.
Oregon’s economy - driven by technology, timber, agriculture (wine, hops), tourism, and outdoor recreation - generates significant MCA demand. Portland’s vibrant small business scene, from food carts to craft breweries to tech startups, makes the city a prime target for MCA funders. Oregon’s Unlawful Trade Practices Act (ORS § 646.605 et seq.) provides additional protections against deceptive practices, with potential treble damages.
What Happens When an Oregon Business Defaults on an MCA
Default hits hard - frozen bank accounts, UCC liens filed with the Oregon Secretary of State, and personal asset seizures. But Oregon fights back. The state prohibits COJs under ORS § 18.058, and the 2019 CPLR §3218 reform bans New York COJs against out-of-state borrowers. That’s double protection - and your attorney will use every bit of it.
Scenario 1: Oregon Business Facing a COJ
Oregon prohibits COJs under ORS § 18.058. Combined with the 2019 CPLR §3218 reform, Oregon businesses have double COJ protection. If a funder attempts to domesticate a pre-2019 New York COJ in Oregon, your attorney can block it.
Strategy: Use Oregon’s COJ prohibition and the CPLR reform to negotiate a settlement of 30-50% from a position of strength.
Scenario 2: Stacked MCAs in Oregon
Under UCC § 9-607, lenders file UCC-1 liens with the Oregon Secretary of State. Portland restaurants, Eugene businesses, and Bend tourism operators are frequently caught in MCA stacking during seasonal downturns.
Strategy: Chapter 11 in U.S. Bankruptcy Court for the District of Oregon. Oregon’s homestead exemption protects $40,000 ($50,000 joint). Or use cash flow reality with 6 months of bank statements showing unsustainable ACH withdrawals.
Scenario 3: Predatory Terms & Usury Violations
Oregon caps interest at 12% under ORS § 82.010. MCA contracts with 100-400% APRs exceed this by 8-33 times. Under NY Gen. Oblig. Law § 5-501, the criminal usury threshold is 25%. The Yellowstone judgment voided $534 million in MCA debt.
Strategy: Dual usury defense under Oregon’s 12% cap and NY’s 25% criminal threshold. Oregon’s UTPA (ORS § 646.605) provides additional use with treble damages potential.
Why New York Law Governs Your Oregon MCA Contract
Your Oregon MCA contract designates New York law. That’s actually good news for you. NY’s 16% civil and 25% criminal usury caps apply. Combined with Oregon’s own 12% cap, your attorney has multiple ways to beat the contract. The CFPB’s classification of MCAs as “credit” further supports reclassification.
How to Choose an MCA Defense Attorney for Your Oregon Business
1. MCA-specific experience? Ask about COJ challenges, usury defenses, and Oregon’s Commercial Financing Disclosure Law.
2. Licensed attorneys involved? You need attorneys filing motions and challenging UCC liens with the Oregon Secretary of State.
3. Fee structure? 18-25% of enrolled debt after results. No upfront fees. Oregon regulates debt management under ORS § 697.602.
Top MCA Defense Firms for Oregon - 2026
Only Delancey Street offers true MCA defense for Oregon businesses with attorney-coordinated COJ challenges, usury defenses, and UCC lien disputes.
Delancey Street
This is what real MCA defense looks like - COJ challenges, dual usury defenses (OR 12% + NY 25%), UCC disputes, emergency motions. Over $100M settled. No upfront fees.
National Debt Relief
Not MCA-specific. They only handle general unsecured business debt - not merchant cash advances.
CuraDebt
Not MCA-specific. They handle debt and tax resolution - including Oregon Department of Revenue issues.
Frequently Asked Questions - MCA Defense in Oregon
Your Search Is Over.
Delancey Street’s attorneys use Oregon’s 12% usury cap, COJ prohibition, and commercial financing disclosure law alongside NY usury defenses. Over $100M settled.
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Rankings reflect independent editorial judgment. No compensation from listed companies.
No attorney-client relationship is formed. Debt settlement may have tax consequences.
Delancey Street is not a law firm. Attorney services provided by independent, licensed attorneys within the Delancey Street network.
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