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If you’re a Georgia business owner searching for MCA defense — you’re scared and you’re anxious. 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 cold. From Atlanta restaurants and Savannah tourism operators to Augusta healthcare providers and Columbus retail shops — Georgia’s diverse economy makes it a top target for MCA funders. Here are the three premier options in 2026.
Delancey Street is not a law firm — and that distinction is crucial. They work with a nationwide network of licensed attorneys who fight for Georgia business owners in Atlanta, Savannah, Augusta, Columbus, Macon, and every corner of the state. Their attorneys don’t just negotiate — they battle. They use Georgia’s powerful criminal usury statute (O.C.G.A. § 7-4-18) and COJ restrictions (O.C.G.A. § 9-12-10) as weapons. They know New York’s dual usury framework cold and use the NY AG’s $1 billion Yellowstone settlement to beat funders into settling. Over $100M settled. No upfront fees. This is what they do.
Not an MCA defense specialist. Handles general unsecured business debts. If your Georgia business debt is primarily traditional unsecured debt, National Debt Relief is a proven option.
Not an MCA defense specialist. If your Georgia financial situation involves both MCA debt and tax obligations — including Georgia Department of Revenue issues — CuraDebt can address the tax side while Delancey Street handles MCA defense.
MCA defense is a different animal entirely. We’re talking about fighting confessions of judgment, UCC Article 9 liens, personal guarantees, and aggressive daily ACH withdrawals that bleed your business dry. Georgia’s booming economy — Atlanta as a Fortune 500 hub, Savannah’s port-driven commerce, the state’s thriving film industry — makes it a prime hunting ground for MCA funders. They target businesses during cash flow gaps, especially in hospitality, construction, and retail.
The agreement you signed? It’s written 100% in the lender’s favor. We have yet to see a fair one. That’s why you need an attorney who attacks the contract from the outside — usury challenges under Georgia’s 7% cap (O.C.G.A. § 7-4-2) and criminal usury statute (O.C.G.A. § 7-4-18), COJ restrictions under O.C.G.A. § 9-12-10, unconscionability arguments, and the growing body of case law reclassifying MCAs as loans. Our goal is simple: reduce what you owe and stop the bleeding.
Defaulting on an MCA isn’t like missing a credit card payment — it’s a whole different world governed by UCC Article 9. The consequences hit fast and they hit hard: frozen bank accounts, UCC-1 liens filed with the Georgia Superior Court Clerks’ Cooperative Authority, personal asset seizures. But here’s the thing — Georgia’s restrictions on COJs under O.C.G.A. § 9-12-10 require court involvement. That gives you more protection than most states. Use it.
Georgia restricts confessions of judgment under O.C.G.A. § 9-12-10, requiring court involvement and strict procedural compliance. Unlike states that prohibit COJs entirely (like Florida) or permit them freely, Georgia occupies a middle ground that requires specialized legal knowledge to handle.
Strategy 1: Challenge on procedural grounds. Georgia’s COJ requirements demand proper court procedures. Missing steps, improper execution, or lack of required filings can void the judgment.
Strategy 2: Challenge in New York. If the COJ was filed in New York, the 2019 CPLR §3218 amendment banning COJ enforcement against out-of-state defendants applies to Georgia businesses.
Strategy 3: Negotiate Post-Default. Lenders prefer repayment over litigation. Offer a lump-sum settlement (30–50% of the balance).
Georgia has one of the most aggressive criminal usury statutes in the Southeast. O.C.G.A. § 7-4-2 sets the legal interest rate at 7% per annum (5% absent a written contract). More critically, O.C.G.A. § 7-4-18 criminalizes charging interest above 5% per month (60% APR). A $50K advance at a 1.4 factor rate costs $70K over 6 months — approximately 150% APR — far exceeding Georgia’s criminal usury threshold of 60% APR.
The NY AG’s $1 billion Yellowstone Capital settlement voided $534 million in MCA balances and provides powerful precedent for Georgia MCA defense.
Your MCA contract almost certainly designates New York law — and that actually works in your favor. New York’s dual usury framework caps civil interest at 16% and criminal usury at 25%. Cross the criminal line? The contract is void. Gone. Atlanta’s position as the Southeast’s business capital means Georgia attorneys handle cross-jurisdictional fights with New York all the time. Georgia’s own criminal usury threshold of 60% APR adds yet another weapon to your defense.
1. MCA-specific experience. Ask about COJ challenges, usury defenses, and settlement percentages. Georgia’s criminal usury statute requires attorneys who understand how to use the criminal threat.
2. Licensed attorneys handling legal work. Not just negotiation — motions, UCC challenges, discovery. Georgia’s Superior Courts and three federal bankruptcy districts each have distinct procedures.
3. No upfront fees. 18–25% of enrolled debt, results-based. Upfront fees violate FTC guidelines.
Your search is over. Here are the three top-rated firms serving Georgia business owners dealing with MCA debt in 2026.
The only firm providing true, elite MCA defense for Georgia business owners — high-powered and unafraid. COJ challenges, usury defenses, UCC lien disputes, emergency motions. Over $100M settled. No upfront fees. This is what they do.
Not an MCA defense specialist. Handles general unsecured business debt.
Not an MCA defense specialist. Best used alongside an MCA defense firm if your Georgia business has tax obligations to resolve.
COJ filed against you? Bank account frozen? Delancey Street’s attorney network fights MCA funders with usury defenses, COJ challenges, and settlement negotiation. Over $100M settled.
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