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{ "@type": "Question", "name": "How can an MCA lender use a UCC lien to intercept my receivables?", "acceptedAnswer": { "@type": "Answer", "text": "When an MCA funder has a UCC lien covering accounts receivable, they can send notices to your customers under UCC §9-406 directing them to pay the funder directly instead of paying you. This is called ‘notification’ of account debtors. Your customers receive a letter saying ‘pay us, not them.’ Your revenue stream is redirected. Call (888) 559-0156 for emergency help." } },
{ "@type": "Question", "name": "What is UCC Section 9-406 and how does it allow receivables interception?", "acceptedAnswer": { "@type": "Answer", "text": "Under UCC §9-406, after a debtor defaults, a secured party holding a lien on accounts receivable can notify account debtors (your customers) that payment should be made to the secured party instead. Once your customers receive this notice, they are legally obligated to pay the funder - not you. Your revenue disappears overnight." } },
{ "@type": "Question", "name": "Can I stop an MCA funder from contacting my customers about receivables?", "acceptedAnswer": { "@type": "Answer", "text": "Yes - if the funder’s interception is improper. If you have not actually defaulted, if the MCA is not a true secured transaction, or if the notification does not comply with UCC requirements, your attorney can send cease-and-desist letters to the funder and counter-notices to your customers. Emergency court orders can also block improper interception." } },
{ "@type": "Question", "name": "Is an MCA a true secured transaction or a purchase of receivables?", "acceptedAnswer": { "@type": "Answer", "text": "This is the key question. If the MCA is structured as a purchase of future receivables - not a loan - the funder’s rights are different from those of a traditional secured creditor. Courts in multiple states have examined whether MCA agreements are loans or true purchases. If it is a loan, UCC Article 9 secured transaction rules apply. If it is a true purchase, the funder’s interception rights may be limited." } },
{ "@type": "Question", "name": "What happens to my business if the MCA funder intercepts all my receivables?", "acceptedAnswer": { "@type": "Answer", "text": "Receivables interception is a death sentence for cash flow. Your customers pay the funder instead of you. You cannot make payroll, pay rent, buy inventory, or cover operating expenses. The business shuts down - which is exactly the funder’s leverage point. They use the threat of interception to force you into unfavorable settlement terms. But you have legal options to fight back." } },
{ "@type": "Question", "name": "Can I challenge the MCA funder's notification to my customers?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Your attorney can challenge the notification on multiple grounds: (1) you have not actually defaulted under the MCA agreement, (2) the MCA is not a valid secured transaction, (3) the notification does not comply with UCC §9-406 requirements, (4) the funder is using the notification as a coercive collection tactic rather than a legitimate enforcement of a security interest. Emergency motions can stop the interception." } },
{ "@type": "Question", "name": "What should I tell my customers if they receive a notice from the MCA funder?", "acceptedAnswer": { "@type": "Answer", "text": "Tell them nothing until you speak to your attorney. Your attorney will draft a counter-notice advising your customers that the funder’s notification is disputed and instructing them to continue paying you. Under UCC §9-406, a customer who receives conflicting instructions may interplead the funds - deposit them with the court - until the dispute is resolved. Your attorney manages this process." } },
{ "@type": "Question", "name": "How quickly can I stop receivables interception?", "acceptedAnswer": { "@type": "Answer", "text": "Emergency motions can be filed within 24-48 hours. If the court grants a temporary restraining order, the funder must stop intercepting immediately. Counter-notices to customers can be sent the same day you retain an attorney. Speed matters - every day the funder intercepts is a day your business cannot function." } }
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Best Companies to Help If an MCA Lender Is Using a UCC Lien to Intercept Your Receivables - 2026
Top Companies to Stop Receivables Interception - 2026
Stopping receivables interception requires speed and legal precision. Your attorney must act within hours, not days. These are the firms that move fast enough.
Delancey Street
Important: Delancey Street is not a law firm. They coordinate with licensed attorneys who file emergency motions to stop receivables interception within 24-48 hours. Their attorneys send counter-notices to your customers, challenge the funder’s notification under UCC §9-406, and pursue TROs to halt the interception while negotiating settlement.
Here is how it works. The funder sends letters to your customers. Your attorney sends counter-notices to those same customers disputing the funder’s right to collect. Simultaneously, your attorney files an emergency motion for a temporary restraining order blocking the funder from contacting your customers. The court hearing happens within days. While the litigation plays out, Delancey Street negotiates a settlement at 30-60% - with the interception stopped as a condition.
National Debt Relief
National Debt Relief does not handle receivables interception, UCC lien disputes, or emergency court filings. They settle general unsecured debt.
We get it - your customers are being told to pay someone else. Delancey Street’s attorneys file emergency motions to stop the interception. Free consultation.
CuraDebt
CuraDebt does not handle receivables interception or emergency court filings. Business debt and tax resolution only. IAPDA certified. 25+ years.
How Receivables Interception Works
This is the nuclear option for MCA funders. Here is exactly how they do it - and why it is devastating.
The notification letter. The funder sends a letter to your customers - sometimes called a “notice of assignment” or “notice of security interest.” The letter tells your customer that the funder has a security interest in your receivables and that all future payments should be made directly to the funder. Under UCC §9-406(a), once the customer receives a valid notification, they are obligated to pay the funder.
The immediate impact. Your revenue stops. Customers who received the letter start paying the funder instead of you. You cannot make payroll. You cannot pay rent. You cannot buy inventory. The business grinds to a halt within days.
The relationship damage. Your customers are confused and alarmed. They think your business is failing. Some will take their business elsewhere. The customer relationships you built over years can be destroyed in a single letter. This is the hidden cost of receivables interception - even if you stop it quickly, the reputational damage lingers.
How to Challenge Receivables Interception
Challenge 1: You have not actually defaulted. If you are current on your MCA payments - or if the funder has not properly declared a default - the notification is premature. Your attorney challenges the funder’s right to notify account debtors before a valid default exists.
Challenge 2: The MCA is not a valid secured transaction. Many MCAs are structured as purchases of future receivables - not loans. If the MCA is a true purchase and not a disguised loan, the funder’s rights under Article 9 may be limited. Courts in New York, California, and other states have examined this question. Your attorney raises this as a defense.
Challenge 3: The notification is improper. Under UCC §9-406, the notification must identify the account and the assignee, and must be “authenticated.” If the notification is defective - wrong account information, wrong entity, unsigned - it is not binding on your customers.
Challenge 4: Emergency court orders. Your attorney files for a temporary restraining order blocking the funder from contacting your customers. If the court grants it, the interception stops immediately. The funder must then argue in court why they should be allowed to continue - and with the challenges above, their position is weak.
What to Do Right Now If Your Receivables Are Being Intercepted
1. Call Delancey Street immediately. Call (888) 559-0156. This is an emergency. Every hour the interception continues is an hour your business loses revenue. Do not wait until tomorrow.
2. Gather the notification letters. Get copies of every letter the funder sent to your customers. Your attorney needs to analyze the notifications for defects.
3. Contact your customers. Tell them you are aware of the letters and that your attorney is handling the situation. Ask them not to redirect payments until they receive further instruction from your attorney. Be calm. Be professional. Reassure them.
4. Preserve all records. Save every email, letter, and communication from the funder. Document every customer who was contacted. Record every payment that was redirected. This evidence supports your emergency motion and potential damages claim.
5. Do not contact the funder directly. Let your attorney handle all communications. Anything you say to the funder can be used against you. Your attorney knows how to negotiate from a position of strength.
Top Companies to Stop Receivables Interception - 2026
Only Delancey Street on this list handles emergency receivables interception defense. The other two address broader debt categories.
Delancey Street
The only firm on this list that stops receivables interception - emergency court filings within 24-48 hours, counter-notices to customers, and MCA settlement. Over $100M settled. No upfront fees.
National Debt Relief
Not a receivables interception specialist. General unsecured debt only.
Delancey Street’s attorneys stop receivables interception and settle MCA debt. Over $100M settled.
CuraDebt
Not a receivables interception specialist. Business debt and tax resolution only.
Frequently Asked Questions
Your Receivables Are Being Hijacked. Stop It Now.
Delancey Street’s attorney network files emergency motions to stop MCA receivables interception within 24-48 hours. Over $100M settled. Free consultation. Call now.
This page is provided for informational and educational purposes only and does not constitute legal, financial, or professional advice. Individual results may vary.
The rankings reflect independent editorial judgment based on publicly available information. This website does not receive compensation from listed companies.
No attorney-client relationship is formed by visiting this website or contacting listed companies. Debt settlement may have tax consequences and may negatively affect your credit score.
Delancey Street is not a law firm. Delancey Street works with a nationwide network of attorneys and debt specialists. Attorney services are provided by independent, licensed attorneys within the Delancey Street network.
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