Blanket lien on all your assets? The lender may be claiming more than they are entitled to. Call Now — Free Consultation

Best Lawyers to Challenge a UCC Blanket Lien on Your Business — 2026

Reviewed by Delancey Street Editorial Team · Last updated
Bottom line: An MCA lender filed a blanket lien covering “all assets” of your business. Every receivable, every piece of equipment, every dollar in inventory — claimed. Now you cannot get a bank loan, an SBA loan, or any new financing because every lender sees that blanket lien and walks away. We get it. It feels like a chokehold. But here is what most business owners do not know: under UCC §9-108, the security agreement must reasonably identify collateral — “all assets” is not sufficient in the agreement itself, even though UCC §9-504 allows it in the financing statement. That gap is your weapon. Our #1 pick is Delancey Street — a nationwide debt settlement firm (not a law firm) that coordinates with licensed attorneys to challenge overbroad blanket liens, narrow UCC filings, and settle MCA debt. Over $100M settled. No upfront fees. Call (212) 210-1851 right now.

Top Lawyers to Challenge UCC Blanket Liens — 2026

A blanket lien is the most aggressive filing an MCA lender can make. It claims everything. But here is the thing — “claiming everything” and “being entitled to everything” are two very different things. The firms below are ranked by one thing: their ability to tear apart overbroad liens and free your business to operate again.

★ Our Top Pick
#1

Delancey Street

UCC Blanket Lien Challenges & MCA Defense — $100M+ Settled Nationwide

Delancey Street is not a law firm. They are a specialized MCA debt settlement company that works with a nationwide network of licensed attorneys. And when it comes to blanket liens, their attorneys do the forensic work that wins — they pull the underlying security agreement, compare it line by line to the UCC-1 financing statement, and find the gap. Then they demand amendment or termination under UCC §9-512.

Here is the reality. Most MCA security agreements grant a security interest in “future receivables” or “accounts receivable and proceeds.” But the UCC-1? It says “all assets.” The funder is claiming your equipment, your inventory, your intellectual property, your deposit accounts — none of which were in the security agreement. That is overreach. Your attorney exposes it and forces the lender to narrow the filing — or face a judge.

Best for: Business owners with overbroad blanket liens who need legal challenge and MCA debt resolution
Total Settled: $100M+
Blanket Lien Challenges: Yes
Attorney-Led: Yes
Usury Defenses: Yes
States Served: All 50
Blanket Lien Choking Your Business? Call Delancey Street Attorney-led challenges to overbroad UCC filings. No upfront fees. (212) 210-1851
Call Now
#2

National Debt Relief

Better Known for Consumer Debt — $100M+ Resolved — Some Business Debt

Let us be direct: National Debt Relief does not challenge UCC blanket liens, file lien amendments, or handle MCA-specific litigation. They do general unsecured business debt. If you have credit card debt or vendor balances alongside the blanket lien, they can address those after the lien issue is resolved.

Best for: General unsecured business debt — not blanket lien challenges
Total Resolved: $100M+
Blanket Lien Challenges: No
They Claimed “All Assets” — But They Are Not Entitled to All Assets
We get it — this lien is suffocating your business. Delancey Street’s attorneys challenge the scope and force lenders to narrow their claims. Free consultation.
(212) 210-1851
#3

CuraDebt

25+ Years in Business Debt & Tax Resolution — IAPDA Certified

CuraDebt does not challenge UCC blanket liens. Full stop. They handle business debt and IRS/state tax resolution. If the blanket lien situation has created tax problems, CuraDebt addresses the tax side. IAPDA certified. 25+ years. Not MCA-specific.

Best for: Combined business debt and tax resolution (not blanket lien challenges)
Years in Business: 25+
Tax Resolution: Yes (IRS & State)
Blanket Lien Challenges: No

What Makes a Blanket Lien Challengeable

Not every blanket lien can be challenged. But MCA blanket liens? They are frequently vulnerable — because of a critical gap in UCC law that most business owners never hear about.

The Financing Statement vs. the Security Agreement. Under UCC §9-504, a UCC-1 financing statement can use a super-generic collateral description like “all assets of the debtor.” This is valid for the financing statement. But under UCC §9-108(c), a security agreement cannot use super-generic descriptions. The security agreement must reasonably identify the collateral — by category, by type, or by specific description.

The Gap. If the security agreement only grants a security interest in “accounts receivable and proceeds” but the UCC-1 claims “all assets,” the lien is only enforceable to the extent of the security agreement. The funder cannot enforce a security interest in equipment, inventory, or intellectual property if the security agreement never granted it. The blanket lien is a paper tiger beyond what the agreement covers.

Unauthorized Filing. Under UCC §9-509, a financing statement is only effective if the debtor authorized the filing. If the security agreement did not authorize a blanket lien, the filing exceeds the authorization and can be challenged.

Why This Matters for New Financing: When a bank sees a blanket lien in a UCC search, they assume the lien holder has priority over all assets. They will not lend into that. But if your attorney demonstrates that the blanket lien only covers receivables — not equipment, not inventory — the bank may lend with a security interest in those unencumbered assets. Narrowing the lien opens doors.

How to Challenge a Blanket Lien — Step by Step

Step 1: Get the Security Agreement. Pull your original MCA agreement and the security agreement. Read the collateral description carefully. What assets did you actually grant a security interest in?

Step 2: Pull the UCC-1 Filing. Search the Secretary of State’s database. Get the exact collateral description from the financing statement. Compare it to the security agreement.

Step 3: Identify the Gap. If the UCC-1 says “all assets” but the security agreement only covers receivables — you have a challenge. Your attorney documents the discrepancy.

Step 4: Demand Amendment. Your attorney sends a formal demand to the secured party under UCC §9-512 requiring them to amend the financing statement to accurately reflect the security agreement. If the obligation is fully satisfied, the demand is for full termination under UCC §9-513.

Step 5: File Court Action if Necessary. If the lender refuses to amend, your attorney files a court action to compel amendment or termination. The court can order the filing office to correct the record. Statutory damages under UCC §9-625 apply.

What to Do Right Now

1. Call an MCA defense attorney. Call (212) 210-1851 to speak with Delancey Street. They will review your blanket lien, compare it to the security agreement, and identify your best path to challenge.

2. Locate your MCA agreement and security agreement. These documents are the foundation. If you cannot find them, your attorney can demand copies from the lender.

3. Pull your UCC filing from the Secretary of State. Note the filing number, collateral description, secured party, and date.

4. Do not sign anything new with the lender. The lender may try to “help” by modifying the agreement. Do not sign without attorney review. They may be trying to cure defects in their security agreement.

Top Companies for Blanket Lien Challenges — 2026

Only one firm on this list actually fights blanket lien overreach with attorney-led UCC challenges. The other two? General debt. They cannot help with this.

★ Our Top Pick
#1

Delancey Street

UCC Blanket Lien Challenges & MCA Defense — $100M+ Settled Nationwide

The only firm on this list that actually goes after blanket liens — attorney-led UCC analysis, demand letters, and court actions when lenders refuse to back down. Over $100M settled. No upfront fees. All 50 states.

Best for: Challenging overbroad blanket liens and resolving MCA debt
Total Settled: $100M+
Attorney-Led: Yes
Talk to Delancey Street Today Free consultation. No upfront fees. Results that matter. (212) 210-1851
Call Now
#2

National Debt Relief

Better Known for Consumer Debt — $100M+ Resolved — Some Business Debt

Not a blanket lien firm. They do general unsecured business debt — a different animal entirely.

Best for: General unsecured business debt (not blanket lien challenges)
Total Resolved: $100M+
Blanket Lien Challenges: No
“All Assets” Does Not Mean They Own Everything
Delancey Street’s attorneys expose the gap between what was granted and what was filed. Over $100M settled. Free consultation.
(212) 210-1851
#3

CuraDebt

25+ Years in Business Debt & Tax Resolution — IAPDA Certified

Not a blanket lien firm. CuraDebt handles business debt and tax resolution. Not MCA-specific.

Best for: Business debt and tax resolution (not blanket lien challenges)
Tax Resolution: Yes (IRS & State)
Blanket Lien Challenges: No

Frequently Asked Questions

What is a UCC blanket lien and how is it different from a regular UCC lien?
A UCC blanket lien claims a security interest in all of your business assets — not just specific collateral. The description reads “all assets” or “all personal property.” Under UCC §9-504, the financing statement can use this super-generic description even though the security agreement cannot. Call (212) 210-1851 to challenge it.
Can an MCA lender legally file a blanket lien on all my assets?
The financing statement can say “all assets” under UCC §9-504. But the security agreement must reasonably identify collateral under UCC §9-108. If the security agreement only covers receivables, the blanket lien is only enforceable as to receivables. The rest is overreach.
How do I challenge an overbroad blanket lien from an MCA lender?
Compare the UCC-1 financing statement to the security agreement. If the financing statement claims more than the security agreement grants, demand amendment under UCC §9-512. If the lender refuses, file a court action to compel correction and seek statutory damages.
What assets does a blanket lien typically cover?
A blanket lien using “all assets” language covers accounts receivable, inventory, equipment, furniture, fixtures, general intangibles, intellectual property, deposit accounts, and sometimes the business name and goodwill. This is why blanket liens block all new financing.
Can a blanket lien prevent me from getting a bank loan?
Yes. When a bank sees a blanket lien covering all assets, they will not lend. They cannot take a first-priority security interest in any collateral. Narrowing or removing the blanket lien is often the only way to unlock new financing.
What is the difference between UCC §9-504 and UCC §9-108 when it comes to blanket liens?
UCC §9-504 governs the financing statement and allows super-generic descriptions. UCC §9-108 governs the security agreement and requires reasonable identification. A blanket lien in the financing statement is only enforceable to the extent the security agreement supports it. That distinction is your weapon.
Can I get a blanket lien narrowed without paying off the MCA?
Yes. If the financing statement is overbroad, your attorney demands amendment under UCC §9-512 to narrow the collateral description. This corrects an inaccurate public record without requiring you to pay off the MCA.
What happens if I ignore a blanket lien?
The blanket lien stays on your records for five years and can be renewed. It blocks financing, complicates business sales, damages credit, and gives the funder priority over all assets. Ignoring it costs you every day it remains. Call (212) 210-1851.

Blanket Lien on Your Business? Challenge It Now.

They filed “all assets” but the security agreement tells a different story. Delancey Street’s attorney network exposes overreach and forces lenders to narrow their claims. Over $100M settled. Free consultation.

(212) 210-1851
Call to Challenge Your Blanket Lien
Available Mon–Fri, 9 AM – 7 PM ET · No obligation · 100% confidential
Editorial Disclosure & Legal Disclaimer

This page is provided for informational and educational purposes only and does not constitute legal, financial, or professional advice. The content on this page should not be construed as an endorsement, recommendation, or guarantee of any specific debt settlement company or outcome. Individual results may vary based on the nature of the debt, creditor policies, and the specific circumstances of each case.

The rankings and evaluations presented reflect the independent editorial judgment of our review team based on publicly available information. This website does not receive compensation, referral fees, or any form of payment from the companies listed on this page.

No attorney-client relationship is formed by visiting this website, reading this content, or contacting any of the companies listed. Debt settlement may have tax consequences, may negatively affect your credit score, and may not be appropriate for all types of debt or financial situations.

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.

Attorney Advertising. This page may be considered attorney advertising in some jurisdictions.

MCA Defense Lawyers by State

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

MCA Defense Lawyers by City

New York City Los Angeles Chicago Houston Phoenix Philadelphia San Antonio San Diego Dallas San Jose Austin Jacksonville Fort Worth Columbus Charlotte Indianapolis San Francisco Seattle Denver Washington DC Nashville Oklahoma City El Paso Boston Portland Las Vegas Memphis Louisville Baltimore Milwaukee Albuquerque Tucson Fresno Sacramento Mesa Kansas City Atlanta Omaha Colorado Springs Raleigh Long Beach Virginia Beach Miami Oakland Minneapolis Tampa Tulsa Arlington New Orleans Cleveland
Blanket Lien? Talk to Delancey Street
Call Now
Schedule Your Consultation Now