Best Companies to Help with MCA Default in Florida — 2026
Top Companies to Fight MCA Default in Florida — 2026
Florida’s combination of strict usury laws, broad consumer protection statutes, and the most generous homestead exemption in the country makes it hostile territory for MCA funders. The firms below are ranked by their ability to resolve MCA defaults for Florida business owners.
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 — including Florida-barred attorneys who understand Fla. Stat. §687 usury law, DUTPA counterclaims, and homestead exemption protections inside and out. Their attorney network handles everything: recharacterizing the MCA as a usurious loan, filing DUTPA counterclaims for deceptive practices, blocking unauthorized ACH debits, and negotiating settlements at 30–60% of the outstanding balance.
Here is why Florida matters. MCA funders charge effective APRs of 100% to 400%. Florida caps interest at 18% — and makes interest above 25% a third-degree felony under Fla. Stat. §687.071. When Delancey Street’s attorneys demonstrate that the MCA is a disguised loan — no true reconciliation, fixed repayment, guaranteed funder returns — the funder is suddenly facing criminal usury exposure. That is when they settle. And they settle fast.
National Debt Relief
Important: National Debt Relief is not a law firm and does not handle MCA-specific litigation, usury claims, or DUTPA counterclaims. They are the largest debt settlement company in the United States — A+ Better Business Bureau rating, 550,000+ clients served. Where they fit in for Florida business owners: if you carry unsecured business debt alongside your MCA — credit cards, vendor accounts, lines of credit — National Debt Relief can settle those while Delancey Street handles the MCA fight.
We get it — you are drowning. But Fla. Stat. §687 makes interest above 25% a felony. Delancey Street’s attorneys know how to use that threat. Free consultation. No upfront fees.
CuraDebt
Important: CuraDebt is not a law firm and does not file MCA defense motions, usury claims, or DUTPA counterclaims. They handle business debt and IRS/state tax resolution. For Florida business owners dealing with MCA default alongside tax problems — Florida Department of Revenue obligations, missed payroll deposits, IRS notices — CuraDebt handles the tax side while Delancey Street fights the MCA. They are IAPDA certified with 25+ years of experience.
Why Florida Law Destroys MCA Funders
Florida has a combination of laws that MCA funders dread. Here is why defaulting on an MCA in Florida is not the end — it is the beginning of your counterattack.
Fla. Stat. §687 — The Usury Hammer. Florida’s usury statute is a two-tier system. Under §687.03, interest exceeding 18% per annum is usurious. Under §687.071, interest exceeding 25% per annum on amounts of $500,000 or less constitutes criminal usury — a third-degree felony punishable by up to 5 years in prison. MCA funders routinely charge effective APRs of 100% to 400%. Once the MCA is recharacterized as a loan, those rates are not just illegal. They are criminal.
The Recharacterization Argument. MCA funders claim they purchase future receivables — not make loans. But Florida courts look at the economic substance. The key question: does the funder bear any meaningful risk? If the MCA has a fixed repayment amount, daily payments that do not adjust based on actual revenue, and the funder’s return is guaranteed regardless of business performance — it is a loan. Period. And once it is a loan, §687 applies. The funder’s entire position collapses.
DUTPA — The Counterclaim Weapon. The Deceptive and Unfair Trade Practices Act (Fla. Stat. §501.204) prohibits unfair or deceptive acts in commerce. If the MCA funder misrepresented the cost of financing, failed to disclose material terms, or used deceptive collection tactics, you have a DUTPA counterclaim. DUTPA allows recovery of actual damages plus attorney’s fees. That means the funder does not just lose — they pay your legal costs too.
Homestead Exemption — The Fortress. Florida’s homestead exemption (Art. X, §4 of the Florida Constitution) protects your primary residence from forced sale to satisfy a judgment creditor. There is no dollar limit. Whether your home is worth $200,000 or $2,000,000 — an MCA funder cannot touch it. This protection applies automatically and cannot be waived in an MCA contract. Your home is safe.
How to Fight an MCA Default in Florida — Step by Step
Here is the playbook. No sugarcoating. No fluff. Just what works.
Step 1: Stop the ACH debits. Contact your bank immediately and revoke the ACH authorization. Put it in writing. The funder cannot legally pull money after you revoke. If they do, each unauthorized debit is a separate violation that strengthens your case.
Step 2: Analyze the MCA contract. Delancey Street’s attorneys dissect the agreement looking for the kill shots. Is there true reconciliation? Does the daily payment adjust based on actual revenue? Is the funder’s return guaranteed? If the answer to any of these is “no reconciliation” and “guaranteed return” — it is a loan. And a usurious one.
Step 3: Calculate the effective APR. The attorneys calculate the true annual percentage rate. Factor amounts typically range from 1.2 to 1.5 — which translates to effective APRs of 40% to 400% depending on the repayment period. Compare that to Florida’s 18% civil usury cap and 25% criminal usury threshold. The math speaks for itself.
Step 4: File DUTPA counterclaims. If the funder used deceptive practices — misrepresenting the cost, hiding fees, using aggressive collection tactics — the attorneys file DUTPA counterclaims. This shifts the dynamic from defense to offense. The funder is no longer just collecting a debt. They are defending against their own liability.
Step 5: Negotiate from strength. With usury exposure, DUTPA liability, and the knowledge that they cannot touch your home — the funder’s leverage evaporates. Delancey Street negotiates settlement at 30–60% of the outstanding balance. The funder settles because the alternative is worse. Much worse.
What to Do Right Now If You Are in MCA Default in Florida
1. Call Delancey Street immediately. Call (212) 210-1851. They will review your MCA agreement, calculate the effective APR, identify Florida-specific defenses, and begin the fight. Do not wait.
2. Revoke ACH authorization. Contact your bank and revoke the ACH debit authorization for the MCA funder. Put it in writing. Keep a copy. This stops the daily drain on your operating account immediately.
3. Gather your documents. Pull together the MCA agreement, all amendments, payment records, and any correspondence from the funder. Your attorneys need these to build the recharacterization and usury arguments.
4. Protect your business assets. While your home is protected by the homestead exemption, your business bank accounts and equipment are not. Talk to your attorney about asset protection strategies under Florida law.
5. Do not ignore lawsuits. If the funder files suit in Florida, you must respond within 20 days. If they file in New York, your Florida attorney can challenge jurisdiction. Either way — ignoring it is the worst thing you can do.
Top Companies to Fight MCA Default in Florida — 2026
Only one firm on this list — Delancey Street — actually fights this battle: attorney-coordinated MCA defense using Florida-specific usury law and DUTPA. The other two handle broader debt categories. They are not built for this fight.
Delancey Street
The only firm on this list that provides Florida-specific MCA defense — usury challenges under §687, DUTPA counterclaims, homestead exemption protection, and settlement at 30–60%. Not a law firm, but their Florida attorney network delivers results. Over $100M settled. No upfront fees. All 50 states.
National Debt Relief
Not an MCA defense specialist. National Debt Relief handles general unsecured business debt — no court filings, no usury claims, no DUTPA counterclaims. But if you have traditional unsecured debt alongside your MCA, they are a strong option for the non-MCA portion.
Florida’s homestead exemption shields your house. Delancey Street’s attorneys fight for everything else — your bank accounts, your credit, your future. Free consultation.
CuraDebt
Not an MCA defense specialist. CuraDebt handles business debt and IRS/state tax resolution. If the MCA default has created Florida Department of Revenue issues or IRS complications, CuraDebt can address the tax side while Delancey Street fights the MCA.
Frequently Asked Questions
MCA Default in Florida? Fight Back Now.
Usury law. DUTPA. Homestead protection. Florida gives you the weapons — Delancey Street’s attorneys know how to fire them. 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.
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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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