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Nebraska 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 under both New York law (which governs most MCA contracts) and Nebraska law (which caps interest at 16% and prohibits COJs). 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 operation working with a nationwide network of licensed attorneys. Their network is built around New York’s dual usury framework and the evolving case law reclassifying MCAs as loans.
For Nebraska business owners, Delancey Street’s attorneys use the state’s 16% interest cap under Neb. Rev. Stat. § 45-101.03 alongside New York’s 25% criminal usury threshold. Nebraska’s prohibition on COJs means funders must go through New York, where the 2019 CPLR §3218 reform blocks COJ enforcement against out-of-state defendants. The Nebraska Department of Banking and Finance provides regulatory oversight that adds crucial pressure during negotiations. Over $100M settled. No upfront fees.
Not an MCA defense specialist. Handles general unsecured business debts but does not challenge COJs, file usury defenses, or dispute UCC liens.
Not an MCA defense specialist. If your Nebraska situation involves both MCA debt and tax obligations — including Nebraska Department of Revenue issues — CuraDebt can address the tax side 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 bleed your account dry. General debt settlement won't cut it here.
Here's where Nebraska business owners win. The state caps interest at 16% under Neb. Rev. Stat. § 45-101.03 and does not authorize confessions of judgment. When an MCA funder charges an Omaha retailer or Lincoln restaurant an effective APR of 150%, that rate is nearly 10 times the Nebraska cap. The Nebraska Consumer Protection Act (Neb. Rev. Stat. § 59-1602) gives your attorney another weapon — it prohibits deceptive trade practices and allows private causes of action.
You're scared. We get it. The moment your Nebraska business misses a payment, the clock starts ticking. Defaulting on an MCA is governed by UCC Article 9 provisions. Some lenders use COJs filed in New York. The consequences are immediate: frozen bank accounts, liens filed with the Nebraska Secretary of State, or asset seizures.
Here's the thing — Nebraska does not authorize confessions of judgment. Funders have to file in New York and then try to domesticate in Nebraska courts. If filed after August 2019, the COJ is voidable under the CPLR §3218 reform. Nebraska courts will shut down COJ-based judgments that violate the state’s procedural protections.
Under UCC § 9-607, lenders file UCC-1 liens with the Nebraska Secretary of State, blocking new financing. Chapter 11 in the U.S. Bankruptcy Court for the District of Nebraska can pause collections. Nebraska’s usury statute gives your attorney state-level grounds to fight MCAs without going the bankruptcy route.
Neb. Rev. Stat. § 45-101.03 caps interest at 16%. A $50K advance at 1.4 factor rate produces ~150% APR, nearly 10 times the cap. Under New York law, any rate above 25% is criminal usury. Either way, the contract is void.
The NY AG’s $1.065 billion Yellowstone Capital judgment wiped out $534 million in MCA debt nationwide — including for Nebraska businesses. That precedent is working for you right now.
Whether your business is in Omaha, Lincoln, Bellevue, or Grand Island, your MCA contract almost certainly designates New York law. New York’s dual usury framework (16% civil, 25% criminal) determines your defense strategy. Nebraska’s 16% cap gives your attorney an additional weapon in Nebraska courts. The CFPB’s classification of MCAs as “credit” strengthens the loan reclassification argument.
Usury Cap (16%): Neb. Rev. Stat. § 45-101.03 caps interest at 16% per year.
No COJ Authorization: Nebraska does not authorize confessions of judgment — funders have to fight on two fronts just to collect. That's a battle they'd rather avoid.
Nebraska Consumer Protection Act: Neb. Rev. Stat. § 59-1602 prohibits deceptive trade practices. Predatory MCA lending? That's a textbook violation.
Nebraska Department of Banking and Finance: Regulates lending in the state — and as courts increasingly reclassify MCAs as loans, these products face growing scrutiny. That works in your favor.
Not all attorneys are built for this fight. Here's what to ask.
1. MCA-specific experience. Ask about COJ challenges, usury defenses, and settlement percentages.
2. Attorney involvement. Need attorneys who file motions, challenge UCC liens with the Nebraska Secretary of State, and draft settlement agreements. Verify attorney credentials through the Nebraska State Bar Association.
3. Fee structure. 18–25% of enrolled debt, after results. 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: 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.
Not an MCA defense specialist. Best for combined business debt and Nebraska Department of Revenue or IRS tax resolution.
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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Delancey Street is not a law firm. Delancey Street works with a nationwide network of attorneys. Any attorney services are provided by independent, licensed attorneys within the Delancey Street network.
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