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If you’re an Arlington business owner searching for MCA defense — you’re scared. We get it. You need a firm that knows how to fight COJs, dismantle UCC-1 liens, beat personal guarantees, and stop daily ACH debits — under both Texas and New York law. Here are the elite firms that do exactly that.
Delancey Street is not a law firm — and that distinction matters. They coordinate with a nationwide network of licensed attorneys who fight for Arlington business owners — COJ challenges, usury defenses, UCC lien disputes. Their attorneys don’t just negotiate. They go to war using the Texas Finance Code’s 18% commercial usury cap, Texas’s refusal to authorize confessions of judgment, and New York’s dual usury framework. They raise criminal usury defenses, challenge overbroad UCC-1 filings with the Texas Secretary of State, and use the NY AG’s Yellowstone settlement as precedent to beat funders into settling. Over $100M settled. No upfront fees. This is what they do.
Not an MCA defense specialist — let’s be clear about that. They handle general unsecured business debt only.
Not an MCA defense specialist. If your Arlington business faces both MCA debt and Texas Comptroller or IRS obligations, CuraDebt can address the tax side.
MCA defense is a whole different battle. We’re talking about confessions of judgment, UCC Article 9 liens, personal guarantee enforcement, and aggressive daily ACH withdrawals that bleed your business dry. This is not regular debt settlement — not even close.
Arlington sits right between Dallas and Fort Worth — and that makes it a prime target. The entertainment district around AT&T Stadium and Globe Life Field drives hospitality and retail. GM runs a major assembly plant here. Defense contractors, logistics companies, and healthcare providers round out the picture. When event revenue drops or supply chains stall, business owners grab MCAs for quick cash. When those advances stack up and daily debits consume 20–30% of revenue, the spiral gets ugly fast.
Here’s the reality. An MCA funder can freeze your bank account overnight. They’ve already filed blanket UCC-1 liens. They’re pulling 15–25% of your daily revenue through ACH debits. You need someone in your corner — now. This is what we do.
You’re scared. We get it. Whether you run a restaurant near the Entertainment District, a manufacturing company along I-20, or a service business in Lincoln Square — MCA default hits fast and it hits hard: frozen accounts, liens on receivables, personal asset seizures. But here’s the thing — Texas’s 18% commercial usury cap and flat-out refusal to authorize COJs give you real power to fight back.
Strategy 1: Texas does not authorize confessions of judgment. Texas courts have historically refused to enforce COJs, making them essentially void in the state. New York’s 2019 COJ reform bans filing COJs against out-of-state defendants. A COJ filed against your Arlington business after August 2019 is almost certainly voidable.
Strategy 2: Enforcing a New York judgment in Texas requires domestication under the Texas Uniform Enforcement of Foreign Judgments Act. Texas’s debtor protections — including one of the strongest homestead exemptions in the country — make collection uncertain. Offer a lump-sum settlement (30–50%).
Under UCC § 9-607, lenders place UCC-1 liens with the Texas Secretary of State. This devastates Arlington businesses in entertainment services, manufacturing, and hospitality with cyclical revenue tied to stadium events and tourism seasons.
Strategy 1: Chapter 11 lets you pause collections. Texas’s 18% commercial usury cap under the Texas Finance Code §303.009 is far below the 150% APR that many MCAs charge — if your MCA is reclassified as a loan, the contract may be unenforceable.
Strategy 2: Show lenders 6 months of bank statements demonstrating unsustainable withdrawals. For Arlington businesses dependent on event-driven revenue around AT&T Stadium and Globe Life Field, demonstrating seasonal cash flow volatility is particularly effective.
The Texas Finance Code §303.009 caps commercial interest at 18%. A $50K advance at 150% APR exceeds this threshold by more than 8 times.
Strategy 1: Usury Defense. If the MCA is reclassified as a loan, the contract violates Texas usury law. Under Texas Finance Code §305.001, a creditor who charges usurious interest forfeits all interest and the borrower may recover twice the amount of interest paid.
Strategy 2: Texas DTPA. The Texas Deceptive Trade Practices Act (Tex. Bus. & Com. Code §17.46) prohibits deceptive trade practices. If an MCA funder misrepresented financing costs to your Arlington business, you may have additional claims including treble damages.
Here’s something most people don’t realize — nearly every MCA funder sits in New York. Your contract almost certainly designates New York courts. New York’s dual usury framework caps civil interest at 16% and criminal usury at 25%. Cross the criminal line? The entire contract is void. Gone.
Arlington business owners get the best of both worlds. Texas’s 18% commercial usury cap, refusal to authorize confessions of judgment, one of the most powerful homestead exemptions in the country, and the Texas DTPA — all layered on top of New York’s framework. The CFPB has classified MCAs as “credit” under ECOA — which is another weapon in your arsenal.
1. Have they handled MCA defense specifically, including Texas cases?
2. Do licensed attorneys handle the legal work — filing motions, challenging UCC liens with the Texas Secretary of State, and drafting settlement agreements?
3. Legitimate firms charge 18–25% of enrolled debt, collected only after results. Upfront fees violate FTC guidelines.
Your search is over. Only Delancey Street offers true, elite MCA defense — attorney-coordinated COJ challenges, usury defenses, and UCC lien disputes. The other firms handle general debt. For MCA defense, there is one choice.
True MCA defense — unafraid and unmatched. Over $100M settled. Full coverage for Arlington and all of Tarrant County. This is what they do.
Not an MCA defense specialist — let’s be clear about that. They handle general unsecured business debt only.
Not an MCA defense specialist. Best for combined business debt and Texas Comptroller or IRS tax resolution.
Delancey Street’s attorney network fights MCA funders with usury defenses, COJ challenges, and settlement negotiation — using Texas’s 18% usury cap, COJ prohibition, and New York law. Over $100M settled.
Call for a Free ConsultationThis page is for informational purposes only and does not constitute legal or financial advice. Individual results may vary. Rankings reflect independent editorial judgment. No compensation is received from listed companies.
No attorney-client relationship is formed. Debt settlement may have tax consequences and affect your credit score.
Delancey Street is not a law firm. They work with independent, licensed attorneys.
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