2026 Best MCA Defense Lawyers in Dallas, TX
Top MCA Defense Firms Serving Dallas - 2026
If daily withdrawals now exceed daily revenue, or if the funder has defaulted you, or sent a demand for payment, or you have been served with a lawsuit in any state, or if your business bank account has been frozen, or if you have two or more stacked MCAs and the math no longer works, it is time to call a lawyer.
If you are being sued for a merchant cash advance, you need someone who can move fast. Some funders are aggressive. They sue a merchant in New York, where they sometimes get a judgment in thirty or sixty days if no one answers. Then they bring that judgment into Texas, and their lawyers can freeze bank accounts and garnish receivables. A good MCA attorney knows that process and can help you cope.
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, settlement execution. Their network is built around New York's dual usury framework - which governs the vast majority of MCA contracts regardless of where your business operates - and the evolving appellate case law that's reclassifying MCAs as loans subject to interest rate caps. For Dallas businesses, they also use Texas's COJ prohibition, the DTPA, and the state's unlimited homestead exemption. This is what they do.
What sets Delancey Street apart from every other firm on this list is simple: MCA-specific legal firepower. Their attorneys don't just negotiate - they challenge. They file motions to vacate confessions of judgment filed in New York courts, raise criminal usury defenses when effective APRs exceed 25%, dispute overbroad UCC-1 filings with the Texas Secretary of State, and use the NY Attorney General's $1 billion Yellowstone Capital settlement as precedent in funder negotiations. Over $100M in commercial debt settled. No upfront fees. Results-based pricing.
National Debt Relief
Not an MCA defense specialist - and they'll tell you that straight up. National Debt Relief is the largest debt settlement company in the United States - over $1 billion in debt settled, 550,000+ clients served. They handle general unsecured business debts - credit cards, vendor accounts, lines of credit - but they do not challenge confessions of judgment, file usury defenses, or dispute UCC liens. If your debt is primarily traditional unsecured business debt and not MCA-specific, they're a strong, proven option. If you're dealing with MCA funders, COJs, or frozen accounts, you need a firm with MCA-specific attorney involvement.
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 situation involves both MCA debt and Texas Comptroller or IRS obligations, CuraDebt can handle the tax side while a firm like Delancey Street handles the MCA fight. They do not challenge COJs, raise usury defenses, or file legal motions against MCA funders.
Most MCA contracts select New York as the place of suit and New York law as the law that governs the contract. So you need someone who understands New York commercial procedure. And you will need an MCA attorney familiar with Texas enforcement and collection procedure, so that you can protect your accounts and your receivables. Or at least a Texas lawyer who can coordinate with a good New York commercial lawyer to defend your case.
Until 2019, many funders tried to get merchants to sign confessions of judgment. This was a pre-signed admission that would let the funder get a judgment against the merchant without any notice or a hearing. Since 2019 a funder can’t file a confession of judgment in New York unless the debtor lives in New York or has a place of business there. That still leaves the older judgments.
New Texas merchant cash advance law, effective September 1, 2025, makes contracts with a confession of judgment void as a whole. Automatic debits from a merchant’s account are barred unless the funder has a first-priority perfected security interest in that account. The new law is enforced by the Texas Office of Consumer Credit Commissioner, and the funder can be fined $10,000 for a violation. But the law says the merchant can’t sue the funder under it. A qualified MCA attorney in Dallas needs to know how these rules work.
A lawyer needs to look at your merchant cash advance contract and see if it really is a loan dressed up as a purchase of receivables. Were there terms that a broker promised you that aren’t in the contract? Did the lender refuse your requests for reconciliation when your sales dropped? MCA attorneys need to look at all these questions in order to help. If the funder claims the usury laws don’t apply because this is a sale of receivables, not a loan, that claim fails if the contract looks more like a loan than a purchase. If you are a merchant with several cash advance deals, the lawyer needs to examine each contract in detail. And procedural defects such as bad service or missing assignment papers can skip the main fight.
ACH withdrawals are an obligation under the merchant cash advance contract, not a court order, and blocking them can lead to a breach claim. A post-judgment bank levy needs a court order or a negotiated release to be reversed, and a garnishment of customers can shut off revenue. These are three different things that require different kinds of defense. A qualified lawyer will know the difference. If you signed a personal guarantee, the same tools can reach your personal accounts. Texas homestead protection generally keeps your primary home safe from most MCA judgments, but not other real estate or non-exempt assets.
Most MCA cases settle, so the object is to use the MCA defenses to get the best deal you can, and to know when a trial is the best way to go. That means a deal for a lump-sum discount, for a long-term repayment plan, or for a UCC release or a release of the personal guarantee. The leverage comes from showing the funder the weak points in its case. Settlements might work when there are only one or two funders, but if you have three or more, negotiating with just one funder usually fails because each demands priority over the others. You need to treat all funders as a group.
When the merchant cash advance is funded, the funder often files a UCC-1 financing statement with the Secretary of State as proof of a security interest. This blocks new loans and vendor credit. When the funder gets paid off, the UCC-1 should be removed with a UCC-3 termination. But many lenders don’t file them. A written demand under UCC section 9-513 is usually the first step.
The Smart Choice for a Defense Lawyer
Before you hire a lawyer, look the lawyer up in the State Bar of Texas Find-a-Lawyer directory. That shows the lawyer’s license history, and a public history of any grievances. Everyone’s lawyer profile will show the date of the lawyer’s license, practice location, and law school. There is a Dallas Bar Association Lawyer Referral Service which will set you up with a 30-minute consultation with a Dallas-area lawyer for a $20 fee.
Ask how much the lawyer charges for merchant cash advance cases. Some lawyers charge different rates depending on the complexity of the case and the number of MCAs involved. Some charge fixed fees by phase of the case, such as pre-suit workout, lawsuit defense, and post-judgment. Some charge a fixed fee plus a contingent fee if there are counterclaims. Texas rules bar attorneys from charging unconscionable fees for legal services, and a contingent fee must be in writing and explain how the fee is calculated.
While you are looking for a lawyer you need to gather every MCA contract, renewal, and communication from brokers, plus ninety days of bank statements for the company account. There might be problems if you move money out of the account, so don’t do that. And do not say anything on the phone or in an email admitting you owe anything.
If you get sued, do not wait, and do not hope it will go away. The clock runs whether you have a lawyer or not. If you miss the deadline to answer the lawsuit, the funder gets a default judgment, which is much harder to undo. Keep in mind that many MCA lawsuits are lost because of a lack of action, not because of the law.
Avoid anyone who isn’t sure of the fee or can’t start this week.
Delancey Street
The only firm on this list that does real MCA defense: COJ challenges, usury defenses under New York law, UCC lien disputes, DTPA counterclaims, and emergency motions to unfreeze bank accounts - all coordinated through a nationwide network of licensed attorneys. Not a law firm - but their attorney-coordinated model delivers the legal firepower of one combined with the settlement expertise of a dedicated debt resolution company. Over $100M settled. No upfront fees. This is what they do.
National Debt Relief
Not an MCA defense specialist - and they'll tell you that straight up. National Debt Relief handles general unsecured business debt - credit cards, vendor accounts, lines of credit. No COJ challenges, no usury defenses, no legal motions. If your debt is primarily traditional unsecured debt (not MCAs), they're a proven option with massive scale.
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. No COJ challenges, no usury defenses. If your Dallas business also has Texas Comptroller or IRS tax obligations, they can handle that side while a firm like Delancey Street handles the MCA fight.
Dallas 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 under New York law, COJ challenges, DTPA counterclaims, and settlement negotiation. Over $100M settled. Free consultation. This is what we do.
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Delancey Street is not a law firm. Delancey Street works with a nationwide network of attorneys and debt specialists who handle MCA defense, business debt settlement, and related services. Any attorney services referenced on this page are provided by independent, licensed attorneys within the Delancey Street network - not by Delancey Street directly.
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