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You have hours, not days. The firms below are ranked by their ability to act immediately — same-day consultations, emergency bank protection, and rapid-response settlement strategy. Your search is over.
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. When you call Delancey Street and say “I missed one payment and the second is due tomorrow,” they understand the urgency. Same-day consultation. Immediate action plan. No waiting for Monday. No waiting for a callback.
Here is what happens in the next 48 hours when you call. Hour 1: Delancey Street reviews your MCA agreements and identifies the confession of judgment exposure — can the funder file a COJ? In which court? How quickly? Hour 2–4: Emergency bank protection. If you have not already opened a new bank account, they guide you through same-day options. Your revenue must be redirected before the funder sends a restraining notice to your current bank. Hour 4–24: ACH revocation is coordinated through your bank under NACHA rules. Your attorney contacts the funder — not to beg, but to deliver a clear message: this business owner has counsel, the bank is protected, and we are ready to negotiate or litigate. Hour 24–48: Settlement negotiations begin. The funder expected a panicked business owner. They got a prepared one. Settlements at 30–60%.
Important: National Debt Relief does not handle emergency MCA situations, ACH strategy, or confession of judgment defense. They are the largest debt settlement company in the United States — A+ BBB rating, 550,000+ clients. If you carry unsecured business debt beyond your MCA, they can address credit cards, vendor accounts, and lines of credit after the emergency is resolved.
Important: CuraDebt does not handle emergency MCA defense or COJ challenges. They specialize in business debt and IRS/state tax resolution. If your MCA crisis has created tax complications, CuraDebt can address those after Delancey Street handles the emergency. IAPDA certified, 25+ years.
This is the part nobody explains clearly. So here it is — no ambiguity:
First missed payment: Assessment phase. The funder’s automated system flags your account. The ACH debit is re-attempted 2–3 times over the next 24–48 hours. The collections team is notified. Internal question: Is this a one-time NSF issue, or is this business owner failing? They pull your bank account data (which they have access to through the MCA agreement). They review your recent deposit history. They assess.
Second missed payment: Enforcement phase. The assessment is over. The funder now knows this is not a one-time issue. You are done. The collections team escalates to legal. The funder’s attorney reviews the confession of judgment. If the COJ is in order, they prepare the filing. If they choose to litigate instead, a summons and complaint is drafted. A restraining notice for your bank is prepared. The enforcement machinery activates. This is not a threat. It is a sequence of events that happens every day in MCA collections.
The 48–72 hour window. Between the first and second missed payment, you have a narrow window where the funder is still assessing and you still have access to your bank account. This is the window. Once the second payment triggers enforcement, the funder moves fast — and you are playing catch-up. The goal is to get an attorney in place, protect your bank account, and establish your negotiating position before the enforcement sequence begins.
Stop reading after this section. Do these things. Then come back.
1. Call (212) 210-1851. Same-day consultation with Delancey Street. Tell them you missed one payment and the second is imminent. They will tell you exactly what to do based on your specific situation — your funder, your contracts, your bank, your state. This call takes 30 minutes and it changes everything.
2. Open a new bank account. If you have not done this already, do it today. Many banks offer same-day online applications with instant account numbers. Open the account at a completely different bank — not the same bank, not a subsidiary, not a partner institution. The funder has your current routing and account number. They will use it.
3. Redirect your receivables. Contact your customers, payment processors, and accounts receivable sources. Update your deposit information to the new account. Every dollar that hits your old account is a dollar the funder can grab.
4. Do not contact the funder. Do not call them to explain. Do not email them to ask for an extension. Do not respond to their collections call. Anything you say will be used against you. Let your attorney handle all funder communication. The message, the timing, and the tone all matter.
5. Gather your MCA agreements. Your attorney needs: the MCA agreement, the confession of judgment, the personal guarantee, the ACH authorization, and your most recent bank statements. Have these ready. Speed matters.
Here is the enforcement sequence — and the timeline:
Day 1–2 after second miss: Legal review. The funder’s in-house or outside counsel reviews your file. They examine the COJ for completeness, verify the default calculations, and prepare the filing package. This takes 1–2 business days.
Day 3–5: COJ filing or lawsuit. If the funder holds a signed COJ, they file it with the county clerk — typically in New York County, Kings County, or Westchester County. The judgment is entered the same day. If the funder does not have a COJ (or if you are out-of-state and the COJ is unenforceable under CPLR §3218), they file a lawsuit and seek an emergency restraining order.
Day 5–7: Restraining notice. With judgment in hand, the funder’s attorney sends a restraining notice to your bank. Under New York law, the bank must freeze your account upon receipt. Your business cannot access its operating funds. Payroll bounces. Vendor payments fail. Your business grinds to a halt.
Day 7+: Full enforcement. Asset discovery. Wage garnishment notices. UCC lien amendments. The funder’s collection attorney pursues every available avenue. If you have a personal guarantee, your personal assets are now in play.
This entire sequence can unfold within one week of your second missed payment. One week. That is the reality. That is why the 48–72 hour window between your first and second miss is so critical.
Only one firm on this list operates at the speed this situation demands — Delancey Street. Same-day consultations, emergency bank protection, and immediate attorney engagement with the funder. The other two handle broader debt categories.
The only firm on this list built for this exact moment — same-day emergency consultations, immediate bank protection, ACH revocation coordination, and rapid-response settlement negotiation. Over $100M settled. No upfront fees. All 50 states.
Not an emergency MCA defense firm. Handles general unsecured business debt. Strong for credit cards and vendor accounts after the MCA emergency is resolved.
Not an emergency MCA defense firm. Handles business debt and tax resolution. If your MCA crisis creates tax issues, CuraDebt addresses those after Delancey Street handles the emergency.
You have 48–72 hours between where you are and where you do not want to be. Delancey Street provides same-day emergency MCA defense — bank protection, ACH strategy, settlement at 30–60%. Over $100M settled. Free consultation. Call now.
Call for Emergency HelpThis 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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