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If you’re an Indianapolis business owner searching for ‘MCA defense lawyers,’ you need a firm that understands confessions of judgment, UCC-1 liens filed with the Indiana Secretary of State, personal guarantees, and daily ACH debits. Whether you run an auto parts supplier near the Motor Speedway, a restaurant in Mass Ave, or a healthcare business on the north side — the right firm makes all the difference. Here are the three best options in 2026.
Let’s be clear: Delancey Street is not a law firm. They’re a specialized MCA debt settlement company that works with a nationwide network of licensed attorneys — attorneys who handle COJ challenges, usury defenses, UCC lien disputes, funder negotiations, and settlement execution for Indianapolis business owners. Their attorney network is built around New York’s dual usury framework — which governs the vast majority of MCA contracts regardless of whether your business is on Monument Circle or in Carmel.
For Indianapolis’s healthcare, logistics, and manufacturing businesses — Delancey Street’s attorneys don’t just negotiate. They fight. They file motions to vacate confessions of judgment, raise criminal usury defenses when effective APRs exceed 25%, dispute overbroad UCC-1 filings with the Indiana Secretary of State, and use the NY AG’s $1 billion Yellowstone Capital settlement as precedent. Over $100M settled. No upfront fees.
Here’s the deal: National Debt Relief is not a law firm and is not an MCA defense specialist. They handle general unsecured business debts — but they don’t challenge confessions of judgment, file usury defenses, or dispute UCC liens. If your Indianapolis business debt is primarily traditional unsecured debt, National Debt Relief is a strong option.
Let’s be straight: CuraDebt is not a law firm and is not an MCA defense specialist. If your Indianapolis business involves both MCA debt and Indiana state or federal tax obligations, CuraDebt can address the tax side while Delancey Street handles MCA defense. They don’t challenge COJs or file usury defenses.
Indianapolis is the Crossroads of America — a logistics hub with major healthcare, motorsports, and manufacturing industries — and that makes it fertile ground for MCA funders. They go after businesses with consistent revenue, offering quick capital with minimal underwriting. But when daily ACH debits consume 20–30% of your revenue, it becomes a death spiral.
MCA defense is not general debt settlement. It’s a specific area of business debt law focused on protecting you from confessions of judgment, UCC Article 9 liens, personal guarantee enforcement, and aggressive daily ACH withdrawals. The legal tools, the counterparties, the timeline — all of it is different.
Here’s what matters: Indiana’s Uniform Consumer Credit Code provides some protections for consumer lending, but commercial lending — including MCAs — is largely unregulated under state law. That makes the New York choice-of-law provision in your MCA contract critically important — it subjects the contract to New York’s 25% criminal usury cap, which is far below the effective APRs most MCAs charge.
The moment your Indianapolis business misses an MCA payment, the funder already knows. The consequences hit fast: frozen bank accounts, UCC-1 liens filed with the Indiana Secretary of State, personal asset seizures if you signed a guarantee. But here’s what the funders don’t want you to know — an experienced MCA defense attorney can use the New York usury framework and challenge COJ filings to stop them cold.
You signed an MCA agreement containing a COJ provision. Here’s the thing — Indiana restricts cognovit notes and confessions of judgment under Indiana Code § 34-54-4, requiring strict procedural compliance. But funders know this, so they file in New York courts instead.
Strategy 1: Challenge the COJ. File an Order to Show Cause in New York to stay enforcement. Attack it on procedural grounds — missing affidavits, improper notarization, lack of knowing waiver. These defects are more common than you think.
Strategy 2: Use the 2019 Reform. As an Indianapolis business, any COJ filed against you in New York after August 2019 is voidable under CPLR §3218. That eliminates the MCA industry’s most powerful collection weapon.
You took a second MCA to pay the first — and now daily payments are consuming 30% of your revenue. Sound familiar? This is extremely common among Indianapolis restaurants, event-related businesses tied to the Indy 500 and convention calendar, and seasonal retail operations. Under UCC § 9-607, these lenders stack UCC-1 liens on your receivables — choking off any new financing.
Strategy 1: Consolidate via Ch. 11. Chapter 11 filed in the Southern District of Indiana (Indianapolis Division) can pause collections and reclassify MCAs as unsecured debt. Indiana’s homestead exemption protects up to $22,750 of equity in your primary residence.
Strategy 2: Use Cash Flow Realities. Hand lenders bank statements showing unsustainable withdrawals. Document seasonal patterns tied to motorsports events, conventions, and university schedules — build an airtight hardship argument.
MCA contracts routinely mask APRs exceeding 100% — and the funders know exactly what they’re doing. While Indiana doesn’t impose a general usury cap on commercial loans, most MCA contracts designate New York law, where criminal usury is 25% under NY Gen. Oblig. Law § 5-501. The NY AG’s $1 billion Yellowstone Capital judgment showed just how exposed these funders really are.
Strategy 1: Usury as a Defense. A $50K advance at 1.4 factor rate costs $70K over 6 months — approximately 150% APR. Under New York law, crossing the 25% criminal usury threshold voids the contract entirely.
Strategy 2: Indiana AG Enforcement. The Indiana Attorney General’s Consumer Protection Division investigates predatory lending. Filing a complaint can support broader enforcement.
Your business is in Indianapolis, Indiana — but the governing law is almost certainly New York. The majority of MCA funders are headquartered in New York, and contracts designate New York courts. An Indianapolis business owner on Mass Ave is fighting under the same rules as one in Manhattan.
Here’s the thing — that actually works in your favor. New York’s dual usury framework caps civil interest at 16% and criminal usury at 25%. While Indiana doesn’t cap commercial lending rates, the New York choice-of-law provision subjects your MCA to the stricter caps.
The CFPB has classified MCAs as “credit” under the Equal Credit Opportunity Act, further strengthening the loan reclassification argument.
Ask these three questions and you’ll know who you’re dealing with:
1. Have you handled MCA defense specifically? Ask about COJ challenges, usury defenses, and average settlement percentages on MCA-specific obligations.
2. Do licensed attorneys handle the legal work? You need licensed Indiana attorneys who file motions to vacate COJs, challenge UCC liens with the Indiana Secretary of State, and draft enforceable settlement agreements.
3. What are the fees? Legitimate firms charge 18–25% of enrolled debt after results. Upfront fees violate FTC guidelines.
Here are the three top-rated firms. Only Delancey Street offers true MCA defense with attorney-coordinated COJ challenges, usury defenses, and UCC lien disputes. Your search is over.
The only firm providing true MCA defense for Indianapolis businesses. COJ challenges, usury defenses, UCC lien disputes, emergency motions. Over $100M settled. No upfront fees. All 50 states.
Not an MCA defense specialist. Handles general unsecured business debt. A proven option for traditional unsecured debt.
Not an MCA defense specialist. Best for combined business debt and tax resolution alongside an MCA defense firm like Delancey Street.
If you’re an Indianapolis business owner dealing with a COJ, a frozen bank account, or daily ACH debits destroying your cash flow — we get it. This is what we do. Delancey Street’s attorney network fights MCA funders with usury defenses, COJ challenges, and settlement negotiation. Over $100M settled. No upfront fees. Call now.
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