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If you're a San Antonio business owner dealing with an MCA mess — confessions of judgment, UCC-1 liens, personal guarantees, daily ACH debits draining your account — you need a firm that lives and breathes this world. Here are the three best options in 2026.
Here's what you need to know: Delancey Street is not a law firm. They coordinate with licensed attorneys who do the actual fighting — COJ challenges, usury defenses under New York law, UCC lien disputes with the Texas Secretary of State, and funder negotiations for San Antonio business owners. They use Texas's COJ abolition, the DTPA, and the Yellowstone Capital precedent. Over $100M settled. No upfront fees. This is what they do.
Not an MCA defense specialist — and they'll tell you that straight up. Handles general unsecured business debts. Solid option for traditional unsecured debt if that's your situation.
Not an MCA defense specialist either. CuraDebt handles business debt and IRS/Texas Comptroller tax resolution — they've been doing it for over 25 years. If your San Antonio business also has tax obligations, they can handle that side while a firm like Delancey Street handles the MCA fight.
Let's cut to it. MCA defense is about one thing — stopping funders from destroying the business you built. They use confessions of judgment, UCC Article 9 liens, personal guarantees, and aggressive ACH withdrawals. The Texas Attorney General's office has been scrutinizing predatory commercial lending practices. San Antonio's economy — driven by military installations (Joint Base San Antonio is the largest military base in the country), tourism generating $15+ billion annually, and a rapidly growing healthcare and cybersecurity sector — creates the exact cash flow gaps MCA funders exploit.
San Antonio has over 50,000 small businesses, many supported by SBA South Texas District resources. Hospitality businesses along the River Walk need capital to renovate. Construction firms need bridge financing for government contracts. Military-adjacent service providers face payment delays from DoD procurement. These are all situations where MCA funders offer quick capital with devastating terms.
Your MCA contract designates New York as the governing jurisdiction. But Texas gives you real protections: the state abolished COJs, the DTPA protects against unconscionable business practices, and Texas's bankruptcy exemptions are among the most generous in the country.
Here's what happens — and it happens fast. The moment your San Antonio business misses a payment, the funder escalates. Good news first: Texas abolished COJs under the Texas Rules of Civil Procedure, and the 2019 CPLR §3218 reform bans COJ enforcement in New York against out-of-state defendants. But funders adapt — they file UCC-1 liens with the Texas Secretary of State, increase ACH withdrawal frequency, and pursue bank restraining notices through domesticated judgments.
Good news first: Texas doesn't allow confessions of judgment. Period. And the 2019 CPLR §3218 reform bans COJ enforcement against out-of-state defendants in New York. That gives you strong dual protection — any COJ filed against you in New York after August 2019 is voidable.
Strategy 1: Challenge as Voidable. Your attorney can file an Order to Show Cause in New York to vacate the judgment. Texas courts will not enforce a domesticated COJ.
Strategy 2: DTPA Leverage. If the funder engaged in deceptive practices, the Texas DTPA provides grounds for a countersuit with potential treble damages, creating powerful negotiating use for settlement.
You took a second MCA to pay the first. Now the daily payments eat 30% of your revenue — and you can't make payroll. This is common among San Antonio hospitality businesses, construction firms, and healthcare practices. Under UCC § 9-607, each funder has filed liens with the Texas Secretary of State.
Strategy 1: Ch. 11 in the Western District of Texas. Texas’s unlimited homestead exemption and generous personal property exemptions make bankruptcy less devastating for San Antonio business owners.
Strategy 2: Use Your Cash Flow Reality as a Weapon. Here's what nobody tells you: funders assume you're lying about your finances. Every single time. San Antonio's tourism-dependent businesses have clear seasonal patterns. Showing that daily debits are unsustainable during slow seasons strengthens settlement negotiations. Funders would rather settle for 40 cents on the dollar than risk getting nothing.
Let's talk numbers. MCA contracts mask APRs exceeding 100%. Do the math: under New York's 25% criminal usury cap (governing your contract), a $50K advance at 150% APR is void. The Yellowstone Capital judgment established this works at scale.
Strategy 1: New York Usury Defense. Criminal usury voids the contract and forfeits the funder’s right to recover principal and interest.
Strategy 2: DTPA Unconscionability. Charging 150%+ APR to a struggling San Antonio business may constitute an unconscionable action under the DTPA.
Here's why this matters: most MCA funders sit in New York. Your contract designates New York law. New York's dual usury framework (16% civil, 25% criminal) gives you powerful tools. As an out-of-state borrower, you also benefit from the 2019 COJ reform. This actually works in your favor. Texas's own protections — COJ abolition, DTPA, generous bankruptcy exemptions — add additional layers.
The CFPB has classified merchant cash advances as "credit" under the ECOA — another signal that these products are functionally loans regardless of how the contract labels them. That gives MCA defense attorneys one more argument in their arsenal.
1. Do they actually do MCA defense? Ask about COJ challenges, usury defenses under NY law, and Texas DTPA knowledge. Check the State Bar of Texas attorney directory.
2. Are real attorneys involved? Need attorneys licensed by the State Bar of Texas who file motions, challenge UCC liens with the TX Secretary of State, and draft settlement agreements.
3. What's the fee structure? 18–25% of enrolled debt, collected only after results. Any firm charging upfront fees — that's prohibited by FTC guidelines.
Your search is over. Of these three firms, only Delancey Street does real, attorney-coordinated MCA defense — COJ challenges, usury defenses, UCC lien disputes. Here's how they stack up for San Antonio business owners in 2026.
The only firm on this list that does real MCA defense: COJ challenges, usury defenses, UCC lien disputes, emergency motions. Over $100M settled. No upfront fees. This is what they do.
Not an MCA defense specialist — and they'll tell you that straight up. General unsecured business debt only. Solid option if that's your situation.
Not an MCA defense specialist either. If your San Antonio business also has TX Comptroller or IRS obligations, they can handle that side while a firm like Delancey Street handles the MCA fight.
We get it. COJ filed against you. Bank account frozen. Daily ACH debits bleeding your business dry. This is what we do. Delancey Street's attorney network fights MCA funders with usury defenses, COJ challenges, and settlement negotiation. Over $100M settled. No upfront fees. Call now.
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