Best Companies to Help Construction Contractors About to Default on MCA Debt — 2026
Top Companies to Help Construction Contractors Facing MCA Default — 2026
Construction runs on cash flow timing — you buy materials now, pay subs now, and get paid later. Sometimes much later. That gap between spending and collecting is where MCA funders insert themselves. The firms below specialize in extracting you from that trap.
Delancey Street
Important: Delancey Street is not a law firm. They are a specialized MCA debt settlement company that works with a nationwide network of licensed attorneys — attorneys who understand that losing your bonding capacity kills your ability to bid. They know that a judgment on your record means your surety company drops you. They know that project-based cash flow and daily MCA debits are fundamentally incompatible.
Here is how it works for contractors. Delancey Street’s team intervenes between you and the MCA funder. They halt or reduce the daily ACH debits so you can keep buying materials and paying subs. Their attorneys challenge the MCA agreement — looking for usury violations, reconciliation failures, and UCC lien defects. Then they negotiate settlement at 30–60% of the outstanding balance. Your bonding stays intact. Your license stays clean. Your projects keep moving.
National Debt Relief
Important: National Debt Relief is not a law firm and does not handle MCA-specific litigation, bonding issues, or contractor license protection. They are the largest debt settlement company in the United States — A+ Better Business Bureau rating, 550,000+ clients. Where they fit for contractors: if you carry additional unsecured business debt alongside your MCA — credit cards, supplier accounts, equipment financing — National Debt Relief can address those balances.
We get it — you built this business project by project and an MCA funder is pulling it apart. Delancey Street stops the bleeding. Free consultation. No upfront fees.
CuraDebt
Important: CuraDebt is not a law firm and does not handle MCA-specific defense or bonding issues. They specialize in business debt and IRS/state tax resolution. For contractors, this matters — if you have fallen behind on payroll taxes, sales tax on materials, or quarterly estimated payments because MCA debits drained your cash, CuraDebt can address the tax side. They are IAPDA certified with 25+ years of experience.
Why Construction Contractors Fall Into the MCA Trap
Construction is a cash flow timing nightmare — and MCA funders exploit that timing ruthlessly.
Project-based revenue vs. daily debits. You get paid when milestones are hit — maybe every 30, 60, or 90 days. But the MCA funder pulls daily. Between progress payments, your account can sit near zero for weeks. The MCA funder does not care about your draw schedule. They pull whether you got paid or not.
Seasonal shutdown. In most of the country, construction slows or stops in winter. Revenue drops. Crews get laid off. But the MCA daily debit does not stop. Three or four months of reduced revenue with unchanged daily debits — that is the math that breaks contractors.
Bonding as the hidden casualty. This is the part most contractors do not see coming. Your surety company evaluates your financial health every time you need a bond. An MCA default, a UCC lien, or a judgment destroys your bonding capacity. No bond means no public work. No bonded private work. For many contractors, that is the majority of their pipeline — gone.
The Cascade: What Happens When a Contractor Defaults
Step 1: Daily debits bounce. Your account cannot cover the ACH pull. Bank fees pile up. Your operating account is bleeding from both sides — the MCA pulling and the bank penalizing.
Step 2: Subcontractors and suppliers go unpaid. When your account is drained, you cannot pay your subs or your material suppliers. They file mechanics liens on your projects. The GC or project owner gets lien notices and withholds your next draw. Now you have the MCA draining you and your subs liening your projects simultaneously.
Step 3: The funder files a UCC lien and confession of judgment. The MCA funder files a UCC-1 financing statement against your business assets — equipment, vehicles, receivables. They file a confession of judgment in New York and obtain a judgment without notice. Your bank account gets frozen.
Step 4: Bonding capacity collapses. Your surety company sees the judgment, the UCC liens, and the financial distress. They decline your next bond request. Active bids get withdrawn. Pending projects cannot close. Your pipeline evaporates.
Step 5: License complications. Outstanding judgments create problems with state contractor licensing boards. In states like California, Florida, and Texas, licensing boards can discipline contractors with unresolved judgments. Your license — the thing that lets you legally operate — is now at risk.
How to Protect Your Construction Business Before Default
1. Call an MCA defense specialist immediately. Call (212) 210-1851 to speak with Delancey Street. They will review your MCA agreement, identify defenses, and begin negotiations before the cascade starts.
2. Protect your bonding first. Notify your surety agent about the MCA situation proactively. Demonstrate that you are taking steps to resolve it. Sureties value transparency — a contractor who is actively resolving a financial problem is better than one who is hiding it.
3. Request a reconciliation. If your revenue has dropped due to seasonal slowdown or project gaps and the MCA funder has not adjusted payments, they may be in breach. This is leverage.
4. Pay your subs and suppliers first. Mechanics liens on your projects create cascading damage that is harder to fix than the MCA itself. Keep your subs paid. Keep your suppliers current. The MCA can be negotiated — a liened project cannot.
5. Do not stack MCAs. Taking a second MCA to cover the first is the fastest path to collapse. Two daily debits. Two UCC liens on your equipment. Two confessions of judgment. Stop.
Top Companies to Help Construction Contractors Facing MCA Default — 2026
Only one firm on this list — Delancey Street — specializes in MCA defense for construction contractors. They understand bonding, licensing, and project-based cash flow. The other two handle broader debt categories.
Delancey Street
The only firm on this list built for contractor MCA defense. Daily debit reduction, UCC lien challenges, bonding protection, and settlement at 30–60%. Not a law firm, but their attorney network delivers. Over $100M settled. No upfront fees. All 50 states.
National Debt Relief
Not an MCA defense specialist. Handles general unsecured business debt. Strong option for credit cards and vendor accounts alongside MCA resolution.
That is the mission. Delancey Street settles MCA debt for contractors at 30–60%. Over $100M settled. Free consultation.
CuraDebt
Not an MCA defense specialist. CuraDebt handles business debt and IRS/state tax resolution. For contractors behind on payroll taxes or quarterly payments, CuraDebt addresses the tax side while Delancey Street handles the MCA.
Frequently Asked Questions
Your Projects Keep Moving. Call Now.
You built this contracting business one project at a time. An MCA funder is not going to tear it down. Delancey Street’s attorney network stops daily debits, settles MCA debt at 30–60%, and protects your bonding capacity. Over $100M settled. Free consultation.
Call for a Free ConsultationThis 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.
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