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New Hampshire 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 New Hampshire law (which caps default interest at 10% under RSA 336:1 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 New Hampshire business owners, Delancey Street’s attorneys use the state’s 10% default interest rate under RSA 336:1 alongside New York’s 25% criminal usury threshold. New Hampshire’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 New Hampshire Banking Department provides regulatory oversight, and complaints to the NH Attorney General’s Consumer Protection Bureau can add pressure. The state’s Consumer Protection Act (RSA 358-A) allows treble damages for willful violations. 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 New Hampshire situation involves both MCA debt and tax obligations — including New Hampshire Business Profits Tax or IRS 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 battle 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 New Hampshire business owners win. RSA 336:1 establishes a default interest rate of 10% per year — one of the lowest in the nation. The state does not authorize confessions of judgment. When an MCA funder charges a Manchester retailer or Nashua restaurant an effective APR of 150%, that rate is 15 times the New Hampshire cap. The New Hampshire Consumer Protection Act (RSA 358-A) is one of New England’s most powerful consumer protection statutes, prohibiting unfair or deceptive acts in trade or commerce and authorizing treble damages for willful violations.
You're scared. We get it. The moment your New Hampshire 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 New Hampshire Secretary of State, or asset seizures.
Here's the thing — New Hampshire does not authorize confessions of judgment. Funders have to file in New York and then try to domesticate here. If filed after August 2019, the COJ is voidable under the CPLR §3218 reform. New Hampshire courts — including the Hillsborough County Superior Court (Manchester) and Rockingham County Superior Court — can refuse domestication of COJ-based judgments that violate the state’s procedural protections.
Under UCC § 9-607, lenders file UCC-1 liens with the New Hampshire Secretary of State, blocking new financing. New Hampshire’s small business economy — particularly seasonal tourism businesses in the Lakes Region and White Mountains — makes MCA stacking especially dangerous during off-season months. Chapter 11 in the U.S. Bankruptcy Court for the District of New Hampshire can pause collections. New Hampshire’s usury statute gives your attorney state-level grounds to fight MCAs without going the bankruptcy route.
RSA 336:1 establishes a default interest rate of 10% per year. A $50K advance at a 1.4 factor rate produces ~150% APR, 15 times the New Hampshire 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 canceled $534 million in MCA debt nationwide, including for New Hampshire businesses.
Whether your business is in Manchester, Nashua, Concord, or Portsmouth, your MCA contract almost certainly designates New York law. New York’s dual usury framework (16% civil, 25% criminal) determines your defense strategy. New Hampshire’s 10% default rate gives your attorney an additional weapon in New Hampshire courts. The CFPB’s classification of MCAs as “credit” strengthens the loan reclassification argument.
Default Interest Rate (10%): RSA 336:1 establishes 10% per year as the default rate when no rate is specified. This is among the lowest in the nation and provides strong usury defense grounds.
No COJ Authorization: New Hampshire does not authorize confessions of judgment — funders have to fight on two fronts to collect, and that's a battle they'd rather avoid.
New Hampshire Consumer Protection Act (RSA 358-A): Prohibits unfair or deceptive acts in trade or commerce. Authorizes treble damages for willful violations, making it one of the strongest consumer protection statutes in New England.
New Hampshire Bar Association & Banking Department: Verify attorney credentials and know that the Banking Department regulates lending activity in the state. MCAs aren't specifically licensed yet — but the Banking Department investigates complaints about deceptive lending. That pressure works in your favor during settlement talks.
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 New Hampshire Secretary of State, and draft settlement agreements.
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 New Hampshire Business Profits Tax 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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