Reviewed by Delancey Street Editorial Team · Last updated
Bottom line: If you're on this page, it's because your business is drowning in MCA debt — and you need a way out. We get it. Oregon offers strong protections for businesses facing MCA defaults. The state caps interest at 12% (or 5% above the Federal Reserve discount rate) under ORS § 82.010, prohibits confessions of judgment under ORS § 18.058, and notably enacted the Oregon Commercial Financing Disclosure Law requiring MCA funders to disclose APRs on commercial products. But your MCA contract designates New York law, where the criminal usury cap of 25% still voids contracts with 100–400% effective APRs. Frozen bank accounts, UCC liens filed with the Oregon Secretary of State, daily ACH debits — MCA lenders don't wait around — they move fast, and the contracts are designed to crush you. Your search is over. Our #1 pick is Delancey Street — over $100M settled. No upfront fees. Call (212) 210-1851.
Top MCA Defense Firms for Oregon Businesses — 2026
Oregon business owners in Portland, Salem, Eugene, Bend, and across the state need firms that use Oregon’s COJ prohibition, 12% usury cap, and commercial financing disclosure requirements. Here are the three best options in 2026.
★ Our Top Pick
#1
Delancey Street
Attorney-Coordinated MCA Defense & Settlement — $100M+ Settled Including Oregon
Let's be clear — Delancey Street is not a law firm. They coordinate with a network of licensed attorneys who use Oregon’s 12% usury cap, COJ prohibition, Commercial Financing Disclosure Law, and New York’s dual usury framework for Oregon businesses in Portland, Salem, Eugene, and statewide.
Largest U.S. Debt Settlement Firm — A+ BBB Rating — 550,000+ Clients
Here's the thing — National Debt Relief is not an MCA defense specialist. They handle general unsecured business debt. If your Oregon business debt is traditional unsecured debt, they're a solid option — but if you're dealing with an MCA, this is not your firm.
Best for: General unsecured business debt over $7,500
Clients Served:550,000+
Fee Structure:18–25% of Enrolled Debt
MCA Defense:No
BBB Rating:A+
MCA Lender Freezing Your Oregon Bank Account? Oregon prohibits COJs and caps interest at 12%. Delancey Street uses these protections plus NY usury law. Over $100M settled.
Best for: Combined business debt and tax resolution
Years in Business:25+
Tax Resolution:Yes (IRS & State)
MCA Defense:No
Oregon’s Commercial Financing Disclosure Law: A Game-Changer for MCA Defense
Here’s what makes Oregon a premier state for MCA defense. Oregon forced MCA funders to show their hand — the state’s commercial financing disclosure law requires them to disclose the actual APR on their products. When a funder has already admitted in writing that they’re charging 180% APR, that admission becomes a weapon in usury proceedings under Oregon’s 12% cap (ORS § 82.010) and New York’s 25% criminal threshold. They gave you the evidence. Now you use it.
Oregon’s economy — driven by technology, timber, agriculture (wine, hops), tourism, and outdoor recreation — generates significant MCA demand. Portland’s vibrant small business scene, from food carts to craft breweries to tech startups, makes the city a prime target for MCA funders. Oregon’s Unlawful Trade Practices Act (ORS § 646.605 et seq.) provides additional protections against deceptive practices, with potential treble damages.
What Happens When an Oregon Business Defaults on an MCA
Default hits hard — frozen bank accounts, UCC liens filed with the Oregon Secretary of State, and personal asset seizures. But Oregon fights back. The state prohibits COJs under ORS § 18.058, and the 2019 CPLR §3218 reform bans New York COJs against out-of-state borrowers. That’s double protection — and your attorney will use every bit of it.
Critical Timeline: Oregon’s COJ prohibition provides a buffer. But funders can still freeze accounts via other legal mechanisms. Engage an MCA defense attorney immediately upon anticipating default.
Scenario 1: Oregon Business Facing a COJ
Oregon prohibits COJs under ORS § 18.058. Combined with the 2019 CPLR §3218 reform, Oregon businesses have double COJ protection. If a funder attempts to domesticate a pre-2019 New York COJ in Oregon, your attorney can block it.
Strategy: Use Oregon’s COJ prohibition and the CPLR reform to negotiate a settlement of 30–50% from a position of strength.
Scenario 2: Stacked MCAs in Oregon
Under UCC § 9-607, lenders file UCC-1 liens with the Oregon Secretary of State. Portland restaurants, Eugene businesses, and Bend tourism operators are frequently caught in MCA stacking during seasonal downturns.
Strategy: Chapter 11 in U.S. Bankruptcy Court for the District of Oregon. Oregon’s homestead exemption protects $40,000 ($50,000 joint). Or use cash flow reality with 6 months of bank statements showing unsustainable ACH withdrawals.
Scenario 3: Predatory Terms & Usury Violations
Oregon caps interest at 12% under ORS § 82.010. MCA contracts with 100–400% APRs exceed this by 8–33 times. Under NY Gen. Oblig. Law § 5-501, the criminal usury threshold is 25%. The Yellowstone judgment voided $534 million in MCA debt.
Strategy: Dual usury defense under Oregon’s 12% cap and NY’s 25% criminal threshold. Oregon’s UTPA (ORS § 646.605) provides additional use with treble damages potential.
Oregon’s APR Disclosure Advantage: Oregon’s Commercial Financing Disclosure Law means MCA funders must disclose the true cost of their products. This disclosure becomes powerful evidence when arguing usury.
Why New York Law Governs Your Oregon MCA Contract
Your Oregon MCA contract designates New York law. That’s actually good news for you. NY’s 16% civil and 25% criminal usury caps apply. Combined with Oregon’s own 12% cap, your attorney has multiple ways to beat the contract. The CFPB’s classification of MCAs as “credit” further supports reclassification.
Key Takeaway: Oregon’s 12% usury cap, COJ prohibition, Commercial Financing Disclosure Law, and UTPA — combined with NY’s 25% criminal threshold — give Oregon businesses one of the strongest multi-layered defense positions in the country.
How to Choose an MCA Defense Attorney for Your Oregon Business
1. MCA-specific experience? Ask about COJ challenges, usury defenses, and Oregon’s Commercial Financing Disclosure Law.
2. Licensed attorneys involved? You need attorneys filing motions and challenging UCC liens with the Oregon Secretary of State.
3. Fee structure? 18–25% of enrolled debt after results. No upfront fees. Oregon regulates debt management under ORS § 697.602.
Red Flags: Guaranteed results. Upfront fees. 24–48 month timelines. Inability to explain COJ challenges.
Top MCA Defense Firms for Oregon — 2026
Only Delancey Street offers true MCA defense for Oregon businesses with attorney-coordinated COJ challenges, usury defenses, and UCC lien disputes.
★ Our Top Pick
#1
Delancey Street
Attorney-Coordinated MCA Defense — $100M+ Settled Including Oregon
This is what real MCA defense looks like — COJ challenges, dual usury defenses (OR 12% + NY 25%), UCC disputes, emergency motions. Over $100M settled. No upfront fees.
Best for: Oregon businesses facing MCA defaults, COJ filings, frozen accounts, stacked advances, UCC liens
Total Settled:$100M+
Attorney-Led:Yes
COJ Challenges:Yes
Talk to Delancey Street Today Free consultation for Oregon businesses.(212) 210-1851
Largest U.S. Debt Settlement Firm — A+ BBB Rating — 550,000+ Clients
Not MCA-specific. They only handle general unsecured business debt — not merchant cash advances.
Best for: General unsecured business debt over $7,500
Clients Served:550,000+
MCA Defense:No
Oregon MCA Lender Using Predatory Terms? Oregon’s 12% usury cap and APR disclosure law strengthen your defense. Delancey Street settles for 30–60% off. Free consultation.
Best for: Combined business debt and tax resolution
Tax Resolution:Yes (IRS & State)
MCA Defense:No
Frequently Asked Questions — MCA Defense in Oregon
Who are the best MCA defense lawyers in Oregon?
Our #1 pick is Delancey Street, coordinating with attorneys for COJ challenges, usury defenses under Oregon’s 12% cap and NY’s 25% criminal threshold, and UCC lien disputes. Oregon prohibits COJs and requires commercial financing APR disclosure. Call (212) 210-1851.
What happens if an Oregon business defaults on a merchant cash advance?
Consequences include frozen bank accounts, UCC liens filed with the Oregon Secretary of State, and personal asset seizures. Oregon caps interest at 12% under ORS § 82.010, prohibits COJs under ORS § 18.058, and requires commercial financing APR disclosure. Under New York law, criminal usury at 25% voids contracts with 100–400% APRs.
Can an Oregon business challenge a confession of judgment?
Can an MCA be reclassified as a loan subject to usury laws in Oregon?
Absolutely. Oregon caps interest at 12%. MCA contracts with 100–400% APRs vastly exceed this. Oregon’s Commercial Financing Disclosure Law requires funders to disclose APRs, strengthening reclassification arguments. The Yellowstone settlement demonstrated this at scale.
What is a UCC lien and how does it affect my Oregon business?
Under UCC § 9-607, lenders file UCC-1 liens with the Oregon Secretary of State, blocking new financing. An attorney can challenge overbroad or usury-void filings.
How much does MCA defense cost for Oregon businesses?
18–25% of enrolled debt after results. No upfront fees. Oregon regulates debt management under ORS § 697.602. Single MCA: 2–8 weeks. Stacked: 3–6 months.
What should an Oregon business owner do if their bank account was frozen?
Drop everything and act right now. Oregon prohibits COJs (ORS § 18.058). The CPLR §3218 reform bans NY COJs against out-of-state borrowers. Contact an MCA defense attorney for an emergency motion.
Can an Oregon business use bankruptcy to discharge MCA debt?
Chapter 11 in U.S. Bankruptcy Court for the District of Oregon can pause collections. Oregon’s homestead exemption: $40,000 ($50,000 joint). Bankruptcy is the nuclear option — and we will exhaust every other path before going there.
Your Search Is Over.
Delancey Street’s attorneys use Oregon’s 12% usury cap, COJ prohibition, and commercial financing disclosure law alongside NY usury defenses. Over $100M settled.
