Best Companies to Help You Get Out of MCA Loans If You’ve Already Defaulted - 2026
- Total Settled: $100M+
- Post-Default Defense: Yes
- Upfront Fees: None
- Clients Served: 550,000+
- Fee Structure: 18-25% of Enrolled Debt
- MCA Defense: No
- Years in Business: 25+
- Tax Resolution: Yes (IRS & State)
- MCA Defense: No
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.
Delancey Street
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.
National Debt Relief
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.
CuraDebt
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.
How much pressure is the debt creating?
See what the daily debit becomes over time.
| SOURCE FIELD | Delancey Street | National Debt Relief | CuraDebt |
|---|---|---|---|
| Best for | Business owners who have already defaulted on MCA debt and need emergency defense plus settlement | General unsecured business debt - credit cards, vendor accounts over $7,500 (not post-default MCA defense) | Combined business debt and tax resolution (not post-default MCA defense) |
| Source facts | Total Settled: $100M+ Post-Default Defense: Yes Upfront Fees: None Bank Unfreezing: 24-72 Hours States Served: All 50 | Clients Served: 550,000+ Fee Structure: 18-25% of Enrolled Debt MCA Defense: No BBB Rating: A+ | 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.
What to Do Right Now If You Have Already Defaulted
1. Call Delancey Street immediately. Call (888) 559-0156. 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.
Delancey Street
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.
National Debt Relief
Not a post-default MCA firm. They handle general unsecured business debt - a different category entirely.
Delancey Street turns the funder’s collection costs into your settlement leverage. $100M+ settled. No upfront fees.
CuraDebt
Not a post-default MCA firm. But if default has caused tax problems - missed payroll deposits, unfiled returns - CuraDebt handles the IRS side.
Merchant cash advance (MCA)
Factor rate
Confession of judgment (COJ)
UCC-1 financing statement
Reconciliation
Personal guarantee
Frequently Asked Questions
Already Defaulted? The Fight Starts Now.
Delancey Street is not a law firm. Delancey Street works with a nationwide network of independent, licensed attorneys and debt specialists. Attorney services are provided by independent attorneys, not by Delancey Street directly.
Attorney Advertising. Information on this page is educational and is not legal or financial advice. Results vary by case and are never guaranteed.