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Maine 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 champion your case. Their network is built around New York’s dual usury framework and they use Maine’s 6% legal interest rate under 9-B M.R.S.A. §432 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 Maine 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 Maine business debt is primarily traditional unsecured debt, National Debt Relief is a strong option.
Not an MCA defense specialist. If your Maine financial situation involves both MCA debt and tax obligations, CuraDebt can address the tax side — including Maine Revenue Services issues — while Delancey Street handles MCA defense.
You're not dealing with regular business debt. This is a different fight entirely. MCA defense is an 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 drain your account dry. For Maine business owners — whether you operate in Portland, Bangor, Lewiston, Auburn, or South Portland — the challenge is that MCA funders are typically headquartered in New York. You can verify attorney credentials through the Maine State Bar Association. 9-B M.R.S.A. §432 sets the legal interest rate at just 6% per year — one of the lowest in the country — giving your attorney a devastating 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 Maine and New York law, procedural defects in COJ filings, and unconscionability arguments. This is what we do.
You're scared. We get it. The consequences for Maine businesses hit fast — frozen bank accounts at Camden National Bank, Bangor Savings Bank, or Machias Savings Bank; UCC liens filed with the Maine Secretary of State; or personal asset seizures. But here’s what the funders don’t want you to know — consequences aren’t inevitable.
Maine restricts confessions of judgment and requires strict procedural compliance. A New York-filed COJ must be domesticated under 14 M.R.S.A. §8001 et seq. (Uniform Enforcement of Foreign Judgments Act). The 2019 CPLR §3218 reform banning COJs against out-of-state borrowers directly protects Maine businesses.
Strategy 1: Challenge the COJ. Any COJ filed against your Maine business in New York after August 2019 is likely voidable.
Strategy 2: Negotiate Post-Default. Domesticating a judgment in Maine adds time and expense for the funder. Offer a lump-sum settlement (30–50%).
For Maine businesses — many in tourism and hospitality, lobster fishing and seafood processing, forestry and lumber, and craft brewing — stacked MCAs can be devastating during off-season months when revenue drops sharply. 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 Maine lets you pause collections. 9-B M.R.S.A. §432’s 6% cap provides exceptionally strong grounds to void reclassified MCA contracts.
Strategy 2: Use Cash Flow Realities. Provide 6 months of bank statements showing unsustainable withdrawals. Funders know that Maine tourism and fishing businesses have dramatic seasonal revenue swings.
A $50K advance at a 1.4 factor rate costs $70K over 6 months — approximately 150% APR. This exceeds 9-B M.R.S.A. §432’s 6% cap by twentyfivefold and New York’s 25% criminal usury threshold by sixfold. The Maine Attorney General’s Consumer Protection Division has authority to investigate predatory lending practices affecting Maine businesses.
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. Maine business owners have an additional advantage: 9-B M.R.S.A. §432’s 6% legal rate is one of the lowest in the country, representing an exceptionally strong public policy argument that Maine courts can invoke when refusing to enforce predatory terms.
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 Maine 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 Maine’s 6% 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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