Best Companies to Help You Get Out of MCA Loans If You’re a Sole Proprietor — 2026
Top Companies to Help Sole Proprietors Escape MCA Debt — 2026
Sole proprietors face a unique danger with MCA debt — total personal exposure. The firms below are ranked by their ability to protect your personal assets while fighting the MCA. Your search is over.
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 the specific risks sole proprietors face. No corporate veil means the funder can reach everything you own. That changes the legal strategy. Delancey Street’s attorneys focus on three priorities: (1) stop enforcement before it reaches your personal assets, (2) challenge the MCA on legal grounds — usury, reconciliation, COJ defects — and (3) negotiate a settlement that resolves the debt and removes all liens.
For sole proprietors, the personal liability exposure actually creates urgency that benefits you. When a funder files a UCC-1 financing statement against a sole proprietor, it attaches to all personal and business property. That lien appears on your personal credit report. It affects your ability to get a mortgage, a car loan, or any other credit. Delancey Street’s attorneys challenge improper UCC filings, move to vacate COJs, and negotiate lien releases as part of every settlement.
Here is what makes their approach different for sole proprietors: they assess your state’s exemption laws — homestead protections, retirement account shields under ERISA, vehicle exemptions — and build the defense strategy around maximizing what the funder cannot touch. The more assets that are exempt, the less the funder can collect, and the lower the settlement.
National Debt Relief
Important: National Debt Relief is not a law firm and does not challenge MCA contracts, file UCC lien disputes, or handle MCA-specific litigation. They are better known for consumer debt but handle some business debt. For sole proprietors who carry personal debt alongside the MCA — credit cards, medical bills, personal loans — National Debt Relief can address those balances. But for the MCA itself, you need specialized defense.
We get it — you are personally on the hook for every dollar. Delancey Street’s attorneys protect sole proprietors from MCA collection. Free consultation. No upfront fees.
CuraDebt
Important: CuraDebt is not a law firm and does not handle MCA-specific litigation, UCC challenges, or personal asset protection strategies. They handle business debt and IRS/state tax resolution. For sole proprietors who owe back taxes — a common problem when MCA withdrawals drain the account before tax obligations are met — CuraDebt can address the tax side. They are IAPDA certified with 25+ years of experience. Not MCA-specific.
The Sole Proprietor Trap: Why You Are More Exposed Than Any Other Business Structure
When an LLC or corporation takes an MCA, the funder’s primary claim is against the business entity. To reach the owner’s personal assets, the funder must either enforce a personal guarantee or pierce the corporate veil — both of which require separate legal proceedings with their own defenses.
You do not have that protection. As a sole proprietor, you and your business are the same legal person. The MCA contract is with you personally. The UCC lien is filed against you personally. Any judgment is against you personally. There is no extra step the funder needs to take to reach your personal bank account, your car, or your home equity.
That is the bad news. Here is the good news — the same legal defenses that work for LLCs and corporations work for you. Usury. Reconciliation. COJ challenges. Improper service. And sole proprietors have one advantage that corporate entities do not: state exemption laws that protect certain personal property from seizure.
Personal Asset Protection: What They Can and Cannot Take
If the MCA funder obtains a judgment against you as a sole proprietor, they can pursue virtually any non-exempt asset. But “non-exempt” is the key word. Every state has exemption laws that put certain property off limits:
Homestead Exemptions. Many states protect some or all of your home equity. Florida and Texas have unlimited homestead exemptions — the funder cannot touch your primary residence regardless of its value. New York’s homestead exemption ranges from $179,975 to $399,975 depending on the county under CPLR §5206. California offers exemptions from $300,000 to $600,000 depending on the county median home price.
Retirement Accounts. ERISA-qualified retirement plans — 401(k)s, pensions, profit-sharing plans — are federally protected from creditors under 29 U.S.C. §1056. IRAs are protected up to approximately $1.5 million under federal bankruptcy law, and many states extend that protection outside of bankruptcy. Your retirement is safe. Do not let the MCA funder tell you otherwise.
Personal Property. Most states exempt basic personal property — clothing, household goods, a vehicle up to a certain value. New York allows a vehicle exemption of $4,825 and personal property up to $11,550.
Social Security and Government Benefits. Federally protected. Cannot be seized. Period.
Your attorney maps every asset against your state’s exemption laws. The more that is exempt, the weaker the funder’s position — and the lower the settlement.
Legal Defenses That Work for Sole Proprietors
Being a sole proprietor does not weaken your legal defenses. The same arguments that get MCAs thrown out for corporations work for you:
1. Usury. If the MCA is recharacterized as a loan — because the funder takes fixed daily payments with no meaningful reconciliation — the effective APR almost certainly exceeds your state’s usury cap. In New York, that is 16% civil under General Obligations Law §5-501 and 25% criminal under Penal Law §190.40. A usurious contract is void. The funder gets nothing.
2. Reconciliation. Your MCA agreement almost certainly includes a clause requiring the funder to adjust payments based on actual receivables. If the funder refuses, that is a breach of contract — and evidence the transaction is a loan.
3. COJ Challenges. If you are located outside New York and the funder filed a confession of judgment in New York, the COJ is voidable under CPLR §3218 (2019 amendment). The judgment must be vacated.
4. Unconscionability. Courts can void contracts that are so one-sided as to be unconscionable. An MCA with an effective APR of 300%, hidden fees, and confusing terms — sold to a sole proprietor without legal counsel — may qualify. Courts have been increasingly willing to apply unconscionability doctrine to MCA agreements.
What to Do Right Now If You’re a Sole Proprietor with MCA Debt
1. Call an MCA defense attorney immediately. Call (212) 210-1851 to speak with Delancey Street. They will assess your personal exposure, review your state’s exemption laws, and determine the strongest path to resolution. Do not wait until the funder freezes your personal account.
2. Identify all assets and exemptions. Make a list of everything you own — bank accounts, home, vehicles, retirement accounts, investment accounts. Your attorney needs this to assess your exposure and build the defense strategy around your state’s exemption laws.
3. Do not move assets. Transferring assets to a spouse, family member, or new LLC after the MCA default can be treated as a fraudulent transfer under both federal and state law. The court can reverse the transfer and impose penalties. Let your attorney handle asset protection through legal channels.
4. Check for UCC liens. Search your name on your state’s Secretary of State website to see if the MCA funder has filed a UCC-1 financing statement against you. If they have, your attorney can challenge the filing if it is overbroad or was filed without proper authorization.
5. Consider forming an LLC for future operations. While it will not protect you from existing MCA debt, forming an LLC separates your personal liability from future business obligations. Your attorney can advise on the timing and structure.
Top Companies to Help Sole Proprietors Escape MCA Debt — 2026
Only one firm on this list — Delancey Street — fights the battle sole proprietors need: personal asset protection, usury challenges, and attorney-led MCA settlement. The other two handle broader debt categories. They are not built for this fight.
Delancey Street
The only firm on this list that provides attorney-led personal asset protection, usury challenges, reconciliation enforcement, and MCA settlement for sole proprietors. They understand that you have no corporate veil — and they build the defense around that reality. Over $100M settled. No upfront fees. All 50 states.
National Debt Relief
Not an MCA defense specialist. National Debt Relief handles general unsecured debt — no court filings, no UCC challenges, no personal asset protection strategies. But if you have personal debt alongside your MCA issues, they can address those balances.
This is what Delancey Street does. Their attorneys defend sole proprietors against MCA funders who want everything you own. Over $100M settled. Free consultation.
CuraDebt
Not an MCA defense specialist. CuraDebt handles business debt and IRS/state tax resolution. If you owe back taxes because the MCA drained your account before you could pay the IRS, CuraDebt can address the tax side while Delancey Street handles the MCA.
Frequently Asked Questions
Sole Proprietor Drowning in MCA Debt? Protect Your Personal Assets.
No corporate veil means every dollar is personal. Delancey Street’s attorney network defends sole proprietors against MCA funders, protects personal assets, and settles debt at 30–60%. Over $100M settled. Free consultation. Call now.
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.
Attorney Advertising. This page may be considered attorney advertising in some jurisdictions.