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Kansas business owners searching for ‘MCA defense lawyers’ need firms that understand confessions of judgment, UCC-1 liens, personal guarantees, and daily ACH debits — and know how to dismantle them. Here are the three best options in 2026.
Let's be clear — Delancey Street is not a law firm. They're a high-powered MCA debt settlement operation that works with a nationwide network of licensed attorneys who fight for you. Their network is built around New York’s dual usury framework and they use Kansas’s 15% usury cap under K.S.A. §16-207 to beat MCA funders into submission.
Here's what their attorneys do — they file motions to vacate confessions of judgment, raise criminal usury defenses when effective APRs exceed 25%, dispute overbroad UCC-1 filings with the Kansas Secretary of State, and use the NY AG’s $1 billion Yellowstone Capital settlement as precedent. Over $100M settled. No upfront fees.
Not an MCA defense specialist. Handles general unsecured business debts only. If your Kansas business debt is primarily traditional unsecured debt, National Debt Relief is a strong option.
Not an MCA defense specialist. If your Kansas financial situation involves both MCA debt and tax obligations, CuraDebt can address the tax side — including Kansas Department of Revenue issues — while Delancey Street handles MCA defense.
You're not dealing with regular business debt. This is a different animal. MCA defense is a elite subset of business debt law — built to protect business owners from confessions of judgment, UCC Article 9 liens, personal guarantee enforcement, and aggressive daily ACH withdrawals that bleed your account dry. For Kansas business owners — who can verify attorney credentials through the Kansas Bar Association — — whether you operate in Wichita, Overland Park, Kansas City, Topeka, or Olathe — the challenge is that MCA funders are typically headquartered in New York. K.S.A. §16-207 sets the general usury cap at 15% per year — giving your attorney a powerful weapon when seeking MCA reclassification.
The agreement you signed? It's rigged in the lender’s favor. Every line. That’s why you need an unafraid attorney who attacks the contract from the outside — usury challenges under both Kansas and New York law, procedural defects in COJ filings, and unconscionability arguments. This is what we do. Kansas courts, overseen by the Kansas Judicial Branch, apply strict procedural requirements for foreign judgment domestication.
You're scared. We get it. The consequences for Kansas businesses hit fast — frozen bank accounts at Capitol Federal Savings, Fidelity State Bank, or Emprise Bank; UCC liens filed with the Kansas Secretary of State; or personal asset seizures. But here’s what the funders don’t want you to know — consequences aren’t inevitable.
Kansas restricts confessions of judgment under Kansas statutes and requires strict procedural compliance. A New York-filed COJ must be domesticated under K.S.A. §60-3001 et seq. The 2019 CPLR §3218 reform banning COJs against out-of-state borrowers directly protects Kansas businesses.
Strategy 1: Challenge the COJ. Any COJ filed against your Kansas business in New York after August 2019 is likely voidable.
Strategy 2: Negotiate Post-Default. Domesticating a judgment in Kansas adds time and expense for the funder. Offer a lump-sum settlement (30–50%).
For Kansas businesses — many in agriculture, aviation manufacturing, and oil and gas — stacked MCAs can be devastating during commodity price downturns. Under UCC § 9-607, lenders can place UCC-1 liens on receivables.
Strategy 1: Ch. 11. Chapter 11 filed in the U.S. Bankruptcy Court for the District of Kansas lets you pause collections. K.S.A. §16-207’s 15% cap provides grounds to void reclassified MCA contracts.
Strategy 2: Use Cash Flow Realities. Provide 6 months of bank statements showing unsustainable withdrawals.
A $50K advance at a 1.4 factor rate costs $70K over 6 months — approximately 150% APR. This exceeds K.S.A. §16-207’s 15% cap by tenfold and New York’s 25% criminal usury threshold by sixfold. The Kansas Attorney General’s Consumer Protection Division has authority to investigate predatory lending.
Nearly all MCA contracts designate New York courts as the governing jurisdiction. New York’s dual usury framework (16% civil, 25% criminal) works in your favor. Kansas business owners have an additional advantage: K.S.A. §16-207’s 15% general cap gives your attorney a strong public policy argument.
The CFPB has classified MCAs as “credit” under ECOA, further supporting the loan argument.
1. MCA-specific experience? Ask about COJ challenges and usury defenses specifically.
2. Licensed attorneys? You need attorneys who file motions, not just negotiate.
3. Fees? 18–25% of enrolled debt, no upfront fees.
Only Delancey Street offers true MCA defense with attorney-coordinated COJ challenges, usury defenses, and UCC lien disputes.
The only firm providing true MCA defense for Kansas business owners. Over $100M settled. No upfront fees.
Not an MCA defense specialist. Handles general unsecured business debt only.
Not an MCA defense specialist. Best for combined debt and tax resolution.
Delancey Street’s attorney network fights MCA funders with usury defenses under Kansas’s 15% cap and New York law, COJ challenges, and settlement negotiation. Over $100M settled.
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No attorney-client relationship is formed by visiting this website. Debt settlement may have tax consequences and may negatively affect your credit score.
Delancey Street is not a law firm. Delancey Street works with a nationwide network of independent, licensed attorneys.
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