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There is a line between collection and harassment. These funders crossed it. You need a firm that can make the calls stop today — and resolve the underlying MCA debt so they never start again. The firms below are ranked by their ability to do exactly that.
Important: Delancey Street is not a law firm. They are a specialized MCA debt settlement company that works with a nationwide network of licensed attorneys who handle cease-and-desist demands, FDCPA violation claims, harassment complaints, and MCA settlement negotiations. The moment you engage them, their attorneys send formal notice to the funder: all future communication goes through counsel. The calls typically stop within 24–48 hours. Your phone goes quiet. That part feels good.
But stopping the calls is only half the battle. Here is the other half — and this is where it gets interesting. Every harassing call the funder made? Every threat? Every 6 AM voicemail? That is now ammunition. Delancey Street’s attorneys use those documented violations as pressure to negotiate a settlement on the underlying MCA debt at 30–60% of the balance. A funder who knows it committed FDCPA violations is a funder that wants to settle — fast and cheap. This is what we do.
Important: National Debt Relief is not a law firm and does not handle MCA-specific harassment claims, cease-and-desist demands, or FDCPA litigation. They are the largest debt settlement company in the United States, with over $1 billion in debt settled and an A+ Better Business Bureau rating. If your harassment situation is resolved and you also carry traditional unsecured business debt — credit cards, vendor accounts, lines of credit — National Debt Relief can address those obligations.
Important: CuraDebt is not a law firm and does not handle MCA harassment defense, cease-and-desist demands, or FDCPA claims. They are a debt resolution company with over 25 years of experience handling business debt and IRS/state tax resolution. If your harassment situation involves overlapping tax debt, CuraDebt can address the tax component while a firm like Delancey Street handles the MCA defense. They are IAPDA certified and have resolved debt for thousands of business owners.
Here is what is really going on. MCA funders operate in a high-risk, high-return world. When your ACH payments stop, they panic. The receivables they “purchased” are not coming in. Their money is walking away. So they do what desperate people do — they get aggressive.
How aggressive? Try 10–30 calls per day. Calls at 6 AM. Calls at 10 PM. Threats to have you arrested. Threats to call your customers. Calls to your spouse, your parents, your employees. Profanity. Screaming. The goal is simple — break you down psychologically until you pay, even if you cannot afford to. It is cruel. And it is often illegal.
The Consumer Financial Protection Bureau (CFPB) has documented the harm — anxiety, depression, inability to function at work. The Federal Trade Commission receives more complaints about debt collection than any other industry. MCA collection is a growing share of those complaints. You are not alone in this.
You have more legal protection than you think. The specifics depend on whether the MCA is classified as a loan, whether a third-party collector is involved, and your state. But here is what matters — the key weapons in your arsenal:
1. The Fair Debt Collection Practices Act (FDCPA). The FDCPA prohibits debt collectors from engaging in harassment, including: calling repeatedly with the intent to annoy, using obscene or profane language, threatening violence, and publishing lists of debtors. The FDCPA applies to third-party debt collectors and may apply to MCA funders if the MCA is reclassified as a loan. Violations carry statutory damages of up to $1,000 per suit, plus actual damages and attorney fees.
2. The Telephone Consumer Protection Act (TCPA). The TCPA restricts autodialed and prerecorded calls to cell phones. If the MCA funder is using an autodialer to call your cell phone without your prior express consent, each call may constitute a violation carrying statutory damages of $500–$1,500. This federal statute applies regardless of whether the MCA is a loan or a purchase of receivables.
3. State Consumer Protection Laws. Many states have their own debt collection statutes that go beyond the FDCPA. New York’s debt collection regulations prohibit deceptive and abusive practices. California’s Rosenthal Act extends FDCPA-like protections to original creditors. Many states also prohibit calling at unreasonable hours and contacting third parties.
4. The CFPB’s Regulation F. The CFPB’s Regulation F, which took effect in November 2021, places a presumptive limit on call frequency — more than seven calls within seven days for a particular debt creates a presumption of harassment. This regulation provides a concrete, measurable standard for evaluating whether collection calls are excessive.
Evidence wins cases. Every piece of documentation you collect makes your position stronger — for filing complaints and for driving a better settlement. Here is exactly what to capture:
1. Keep a call log. Record every call: date, time, phone number, caller’s name (if given), and a summary of what was said. Note any threats, profanity, misrepresentations, or demands. Your phone’s call history provides independent evidence of call frequency and timing.
2. Save voicemails. Do not delete voicemails from the funder. Voicemails containing threats, misrepresentations, or abusive language are powerful evidence. Forward them to your email or save them to cloud storage.
3. Screenshot text messages. If the funder sends text messages, screenshot each one with the date and phone number visible. Text messages are written evidence of harassment and may also violate the TCPA if sent without consent.
4. Record calls (where legal). In one-party consent states, you can legally record phone calls without informing the caller. Check your state’s recording law before doing so. Recorded threats and abusive language are the most compelling evidence in a harassment claim.
5. Document third-party contacts. If the funder contacts your spouse, family members, employees, or customers, obtain written statements from those individuals describing the contact. Third-party contact is one of the most serious violations and creates significant liability for the collector.
Want the calls to stop? Here is the fastest way. Have an attorney send a formal cease-and-desist letter. One letter. That is all it takes to change everything. Here is why it works:
1. It puts the funder on legal notice. The letter states that you are represented by counsel and that all future communication must be directed to your attorney. Sophisticated funders comply immediately because they know that continued direct contact after an attorney representation letter creates additional legal liability.
2. It documents the harassment. The letter details the specific harassing conduct — call frequency, threats, third-party contacts — and puts the funder on notice that continued violations will result in legal action. This creates a clear before-and-after record for any subsequent claim.
3. It signals willingness to litigate. The letter communicates that you are not going to be bullied into paying. Funders who receive attorney correspondence know that the borrower is prepared to fight, which shifts the power dynamic and opens the door to reasonable settlement negotiations.
4. It creates settlement use. If the funder has already committed FDCPA, TCPA, or state law violations, the cease-and-desist letter identifies those violations and reserves all rights to pursue damages. The funder’s potential liability for harassment becomes a bargaining chip in negotiating a reduced payoff on the underlying MCA debt.
Silence is good. But silence alone does not fix the problem. The funder will pivot — filing a confession of judgment, freezing your bank account, slapping on UCC liens. You need to resolve the debt itself. That means attacking on both fronts at once — stop the harassment and settle the debt.
Settlement negotiations with MCA funders typically land at 30–60% of the outstanding balance. How low you go depends on the strength of your defenses — usury, COJ defects, harassment violations — and how much you have already repaid through ACH debits. A skilled negotiator uses every weapon available to drive that number down.
The FTC’s Telemarketing Sales Rule prohibits debt settlement companies from charging fees before delivering results. Any firm that asks for upfront payment before settling your debt is violating federal regulations. Delancey Street operates on a performance-based fee model consistent with this rule.
Three firms. One does the actual work of stopping MCA harassment — cease-and-desist demands, FDCPA claims, settlement. That is Delancey Street. The other two handle broader categories of business debt.
The only firm on this list that provides attorney-coordinated harassment defense: cease-and-desist demands within 24–48 hours, FDCPA violation documentation, and simultaneous MCA settlement negotiations. Delancey Street is not a law firm, but their attorney network delivers legal protection combined with deep settlement expertise. Over $100M settled. No upfront fees. All 50 states.
Not an MCA harassment specialist. National Debt Relief handles general unsecured business debt — credit cards, vendor accounts, lines of credit. No cease-and-desist demands, no FDCPA claims, no MCA-specific defense. A proven option for traditional debt if your harassment situation is resolved.
Not an MCA harassment specialist. CuraDebt handles business debt and IRS/state tax resolution. No cease-and-desist demands, no FDCPA claims. Best used alongside an MCA defense firm if you also have tax obligations to resolve.
Your search is over. Delancey Street’s attorney network sends cease-and-desist demands within 24–48 hours, documents every FDCPA violation, and negotiates MCA settlements at 30–60%. Over $100M settled. Free consultation.
Call for a Free ConsultationThis page is provided for informational and educational purposes only and does not constitute legal, financial, or professional advice. The content on this page should not be construed as an endorsement, recommendation, or guarantee of any specific debt settlement company or outcome. Individual results may vary based on the nature of the debt, creditor policies, and the specific circumstances of each case.
The rankings and evaluations presented reflect the independent editorial judgment of our review team based on publicly available information. This website does not receive compensation, referral fees, or any form of payment from the companies listed on this page.
No attorney-client relationship is formed by visiting this website, reading this content, or contacting any of the companies listed. Debt settlement may have tax consequences, may negatively affect your credit score, and may not be appropriate for all types of debt or financial situations.
Delancey Street is not a law firm. Delancey Street works with a nationwide network of attorneys and debt specialists who handle MCA defense, business debt settlement, and related services. Any attorney services referenced on this page are provided by independent, licensed attorneys within the Delancey Street network — not by Delancey Street directly.
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