2026 Best MCA Defense Lawyers in Vermont
Top MCA Defense Firms for Vermont - 2026
Delancey Street
Here's what you need to know: Delancey Street is not a law firm. They coordinate with a nationwide network of licensed attorneys who do the actual fighting - COJ challenges, usury defenses, UCC lien disputes, funder negotiations. Their attorney network is built around New York’s dual usury framework - which governs the vast majority of MCA contracts regardless of whether your business operates in Burlington, Montpelier, Rutland, or Brattleboro. This is what they do.
Their attorneys file motions to vacate confessions of judgment, raise criminal usury defenses when effective APRs exceed 25%, dispute overbroad UCC-1 filings with the Vermont Secretary of State, and use the NY Attorney General’s $1 billion Yellowstone Capital settlement as precedent. Over $100M settled. No upfront fees.
National Debt Relief
Not an MCA defense specialist - and they'll tell you that straight up. They handle general unsecured business debts - credit cards, vendor accounts, lines of credit - but they don't challenge confessions of judgment, file usury defenses, or dispute UCC liens. If your Vermont business debt is traditional unsecured debt, they're a proven option.
CuraDebt
Not an MCA defense specialist either. CuraDebt handles business debt and IRS/state tax resolution - they've been doing it for over 25 years. If your Vermont situation involves both MCA debt and tax obligations, CuraDebt can handle the tax side while a firm like Delancey Street handles the MCA defense.
Settle with the Funder or File for Bankruptcy
If you can no longer keep up with the payments, you have two basic options: settle with the funder or file for bankruptcy. The best choice will depend on your specific business goals and your financial circumstances. A reputable MCA defense lawyer in Vermont can give you an unbiased evaluation of your business prospects and help you understand what to expect from both outcomes.
If you had only one MCA or loan, a good MCA defense attorney in Vermont may be able to settle with the lender. Ask yourself first: How much more can your business afford to pay? If the settlement will put you back on an unsustainable payment plan, you may be wasting your time.
When several MCA companies are involved, settlement often proves much harder. While you can settle with one funder, you will still be making payments on the other MCA contracts. You may have payments coming due every day of the week.
Businesses in more serious trouble may need more drastic remedies. As MCA funders line up to sue and attempt to seize receivables, a business may end up with little cash on hand. The MCA contracts may be personally guaranteed. Tax problems may cloud the picture. You may not have any hope of repaying the funds by paying lump sums. Chapter 11 bankruptcy can give a business time to reorganize its finances. Subchapter V is a streamlined version for small businesses.
If a business files for bankruptcy, its creditors generally must cease most collection actions. During a Chapter 11 case, the business develops a plan of reorganization. In most cases, you will have to show the court that you are likely to recover and stay in business. However, bankruptcy is never easy.
HB 648
On June 16, 2026, the governor signed into law HB 648. It places MCA funders under the same license and disclosure rules as other commercial lenders. The changes take effect on July 1, 2027. Until then, existing rules will continue in full effect. From that date, expect better disclosures, and no confessions of judgment. The funding contracts will also have to specify that they are subject to Vermont law and Vermont courts. In addition, HB 648 prevents a funder from auto-debiting your bank account for an MCA, unless it has a perfected first-priority security interest in it. This requirement does not apply to contracts of $1,000,000 or more or to banks.
In Vermont, the legal interest rate is 12 percent a year for most debts. Businesses may agree to higher rates. Since August 2019, a confession of judgment filed in New York is generally invalid unless the debtor lives or has a business there.
Debt-relief programs for small businesses take many forms. Some companies offer to negotiate a settlement with the MCA funders. Others are not law firms. Ask for the name and license number of the MCA defense lawyer who will actually represent you. If you end up in court, can they represent you? How much is this going to cost? Your contract should clearly spell out what the law firm will do and how much they will charge.
One good place to start looking for a lawyer in Vermont is the Lawyer Referral Service of the Vermont Bar Association (1-800-639-7036). It does not cost anything to get a referral from there, and the first half-hour of consultation will cost you no more than $25. Vermont keeps a list of attorneys in good standing, and you can check it online for free. All attorneys must renew their licenses every two years, by June 30. If you need an attorney’s discipline history, you can ask the Judiciary for it - also at no charge. If a Vermont attorney proposes a contingent-fee deal, it has to be in writing, and you need to sign it. It must specify the lawyer’s percentage and who pays expenses. An attorney may offer limited-scope help, like a document review or preparation for a negotiation, for a set price.
Bankruptcy is sometimes the best choice. But it is not the right solution for every business. A good MCA defense lawyer in Vermont can advise you when a bankruptcy would most likely help you.
Delancey Street
The only firm on this list that does real MCA defense: COJ challenges, usury defenses, UCC lien disputes, emergency motions - all through a nationwide attorney network. Over $100M settled. No upfront fees. All 50 states including Vermont.
National Debt Relief
Not an MCA defense specialist - and they'll tell you that straight up. Handles general unsecured business debt. No COJ challenges, no usury defenses. If your Vermont debt is traditional unsecured debt, they're a proven option.
CuraDebt
Not an MCA defense specialist either. Handles business debt and IRS/state tax resolution. If your Vermont business also has tax obligations, they can handle that side while a firm like Delancey Street handles the MCA fight.
Vermont Business Owner - Your MCA Problem Ends Here.
We get it. COJ filed against you. Bank account frozen. Daily ACH debits destroying your cash flow. Delancey Street's attorney network fights MCA funders with usury defenses, COJ challenges, and settlement negotiation. Over $100M settled. This is what we do.
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The rankings reflect independent editorial judgment based on publicly available information. This website does not receive compensation from the companies listed.
No attorney-client relationship is formed by visiting this website. Debt settlement may have tax consequences and may negatively affect your credit score.
Delancey Street is not a law firm. Delancey Street works with a nationwide network of attorneys and debt specialists. Any attorney services are provided by independent, licensed attorneys within the Delancey Street network.
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