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Best Companies to Help You Get Out of MCA Loans If You’ve Already Defaulted — 2026

Reviewed by Delancey Street Editorial Team · Last updated
Bottom line: You stopped paying. Maybe your bank account is already frozen. Maybe the funder filed a confession of judgment you did not see coming. Maybe the collection calls will not stop. We get it. You feel like it is over. It is not. Default is not the end of the road — it is the moment you finally get to fight back. Here is the reality: MCA funders spend $15,000–$50,000+ per case on collection and litigation. They do not want to spend that money. They want to settle. And now that you have representation, they know the fight just got expensive. Our #1 pick is Delancey Street — a nationwide debt settlement firm (not a law firm) that coordinates with licensed attorneys to unfreeze bank accounts, vacate confessions of judgment, challenge UCC liens, and negotiate post-default settlements at 30–60%. Over $100M settled. No upfront fees. Call (212) 210-1851 right now.

Top Companies for Post-Default MCA Defense — 2026

You defaulted. The funder is coming. Now you need a firm that knows how to fight from exactly this position — one that has done it thousands of times and knows the funder’s next move before they make it. We ranked these firms on their post-default track record. Nothing else.

★ Our Top Pick
#1

Delancey Street

Post-Default MCA Defense & Settlement — $100M+ Settled Nationwide

Delancey Street is not a law firm. They are a specialized MCA debt settlement company with a nationwide network of licensed attorneys who handle the full spectrum of post-default defense — emergency bank account unfreezing, confession of judgment vacatur under CPLR §3218, UCC lien challenges, and direct settlement negotiation with funders. This is what they do. Every day.

Here is how it works after you default. The moment you call, Delancey Street’s attorneys assess the damage — what has the funder already done? Frozen accounts? Filed a COJ? Sent a restraining notice? Then they counter-attack. Emergency motions to unfreeze accounts. Motions to vacate judgments. Challenges to improper service. And while all of that is happening, they open settlement negotiations. Why? Because the funder is spending money on attorneys and court filings — money they would rather not spend. That cost pressure is your weapon. Post-default settlements typically land at 30–60% of the balance.

Best for: Business owners who have already defaulted on MCA debt and need emergency defense plus settlement
Total Settled: $100M+
Post-Default Defense: Yes
Upfront Fees: None
Bank Unfreezing: 24–72 Hours
States Served: All 50
Already Defaulted? Call Delancey Street Now. Emergency bank unfreezing. COJ vacatur. Post-default settlement at 30–60%. No upfront fees. (212) 210-1851
Call Now
#2

National Debt Relief

Largest U.S. Debt Settlement Firm — A+ BBB Rating — 550,000+ Clients

National Debt Relief does not handle MCA-specific litigation, bank unfreezing, or COJ defense. They are not in that fight. They settle general unsecured business debt — credit cards, vendor accounts, lines of credit. If you have that kind of debt piled on top of your defaulted MCA, they can address it while Delancey Street fights the MCA battle.

Best for: General unsecured business debt — credit cards, vendor accounts over $7,500 (not post-default MCA defense)
Clients Served: 550,000+
Fee Structure: 18–25% of Enrolled Debt
MCA Defense: No
BBB Rating: A+
Default Is Not the End — It Is the Beginning of Your Defense
We get it — you feel like you have lost. You have not. Delancey Street’s attorneys fight post-default MCA cases every day. Over $100M settled. Free consultation.
(212) 210-1851
#3

CuraDebt

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

CuraDebt does not handle MCA-specific litigation or post-default court filings. Not their arena. They specialize in business debt and IRS/state tax resolution. If your MCA default has caused missed payroll tax deposits or unfiled returns, CuraDebt handles the tax side. IAPDA certified. 25+ years.

Best for: Combined business debt and tax resolution (not post-default MCA defense)
Years in Business: 25+
Tax Resolution: Yes (IRS & State)
MCA Defense: No

What Happens After You Default on an MCA

Default triggers the funder’s playbook. They have one. Here is exactly what they will do — and how your attorney shuts each move down.

Move 1: Bank account freeze. The funder files a restraining notice or uses a confession of judgment to freeze your business bank account. Your attorney counters with an emergency Order to Show Cause to lift the freeze — typically within 24–72 hours.

Move 2: Confession of judgment filing. The funder takes the COJ you signed as part of the MCA agreement and files it with a county clerk — usually in New York. Your attorney challenges the COJ under CPLR §3218. If your business is outside New York, the COJ is voidable as a matter of law.

Move 3: UCC lien enforcement. The funder files a UCC-1 financing statement creating a blanket lien on your business assets. Your attorney can challenge the lien’s validity and negotiate its removal as part of the settlement.

Move 4: Lawsuit. If the COJ fails or was not available, the funder files a breach of contract lawsuit. Your attorney answers the complaint and raises every defense — usury, lack of reconciliation, fraudulent inducement, breach of good faith. Filing a strong answer changes the funder’s math — and pushes them toward settlement.

The Funder’s Math: It costs the funder $15,000–$50,000+ to litigate a contested MCA case through trial. Most cases settle within 3–6 months of the defendant filing an answer with strong legal defenses. The funder would rather accept 40–60% now than spend $50,000 trying to collect 100% over 12+ months. That math is your weapon.

What to Do Right Now If You Have Already Defaulted

1. Call Delancey Street immediately. Call (212) 210-1851. Every day you wait is a day the funder uses to strengthen their position — freezing accounts, filing judgments, seizing assets. Get representation now.

2. Open a new bank account. If your primary account is frozen or at risk, open a new operating account at a different bank. Route all incoming revenue to the new account. This is a legal and strategic move that keeps your business running while your attorney fights the freeze.

3. Do not communicate with the funder directly. Everything you say to the funder or their collection attorney can be used against you. Let your attorney handle all communications. That is what they are for.

4. Gather all MCA documents. Pull together every MCA agreement, amendment, email, and text message from the funder and broker. Your attorney needs these to build the strongest possible defense.

5. Do not panic. We get it — a frozen bank account feels like the end of the world. It is not. Freezes can be lifted. Judgments can be vacated. Debt can be settled. But only if you act. Inaction is the only move that cannot be reversed.

Top Companies for Post-Default MCA Defense — 2026

One firm on this list fights the post-default battle — bank unfreezing, COJ vacatur, and settlement negotiation all at once. The other two handle broader debt categories.

★ Our Top Pick
#1

Delancey Street

Post-Default MCA Defense & Settlement — $100M+ Settled Nationwide

The only firm on this list built for the post-default fight — emergency bank unfreezing, COJ vacatur, UCC lien challenges, and settlement at 30–60%. No upfront fees. Over $100M settled. All 50 states. This is what they do.

Best for: Emergency defense and settlement after MCA default
Total Settled: $100M+
Post-Default: Yes
Upfront Fees: None
Settlement Range: 30–60%
Talk to Delancey Street Today Free consultation. No upfront fees. Post-default defense that works. (212) 210-1851
Call Now
#2

National Debt Relief

Largest U.S. Debt Settlement Firm — A+ BBB Rating — 550,000+ Clients

Not a post-default MCA firm. They handle general unsecured business debt — a different category entirely.

Best for: General unsecured business debt over $7,500 (not post-default MCA defense)
Clients Served: 550,000+
MCA Defense: No
The Funder Is Spending Money to Collect. Use That Against Them.
Delancey Street turns the funder’s collection costs into your settlement leverage. $100M+ settled. No upfront fees.
(212) 210-1851
#3

CuraDebt

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

Not a post-default MCA firm. But if default has caused tax problems — missed payroll deposits, unfiled returns — CuraDebt handles the IRS side.

Best for: Combined business debt and tax resolution (not post-default MCA defense)
Tax Resolution: Yes (IRS & State)
MCA Defense: No

Frequently Asked Questions

Can I still settle MCA debt after I have already defaulted?
Yes. Default does not end your options. The funder is spending $15,000–$50,000+ on collection. They would rather settle at 30–60% than keep spending. That cost pressure is your leverage. Call (212) 210-1851 for immediate help.
What happens after you default on an MCA?
The funder will file UCC liens, freeze your bank accounts, file confessions of judgment or lawsuits, and pursue aggressive collections. These actions are expensive for the funder — and that expense becomes your settlement leverage.
Can I unfreeze my bank account after an MCA default?
Yes. Your attorney files an emergency Order to Show Cause to release the freeze. If based on a COJ, the attorney simultaneously moves to vacate under CPLR §3218. Bank freezes can be lifted within days of filing the right motion.
How long after defaulting on an MCA can I still settle?
There is no time limit on settlement. You can negotiate at any point. Funders often become more willing to settle as time passes because collection costs keep climbing. A case in default for 6+ months often settles at a lower percentage than a fresh default.
Will the MCA funder sue me personally after default?
If you signed a personal guarantee — and most MCA agreements include one — the funder can pursue you personally. Personal bank freezes, wage garnishment, property liens. A settlement firm addresses both the business debt and personal guarantee exposure simultaneously.
What legal defenses do I have after defaulting on an MCA?
The same defenses that exist before default: usury, lack of reconciliation under UCC Article 9, COJ defects under CPLR §3218, fraudulent inducement, breach of good faith. Default does not erase your legal rights. It just means you fight from a different position.
How much does it cost to hire an MCA defense firm after default?
Delancey Street charges no upfront fees. Their fee is based on results — a percentage of savings from the settlement. You pay nothing until the debt is resolved. After default, cash flow is strained. The last thing you need is a $10,000 retainer.
Should I file bankruptcy instead of trying to settle after an MCA default?
In most cases, no. Bankruptcy costs $25,000–$100,000+, takes 12–18 months, and destroys your credit for 7–10 years. Post-default MCA settlement resolves in 3–6 months at 30–60% with no credit impact and no public filing. Settlement is faster, cheaper, and preserves your ability to rebuild.

Already Defaulted? The Fight Starts Now.

Default does not mean defeat. Delancey Street’s attorneys unfreeze bank accounts, vacate judgments, and settle MCA debt at 30–60%. Over $100M settled. No upfront fees. Call now.

(212) 210-1851
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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.

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