Best Lawyers to Challenge a UCC Lien That Covers Personal Property — 2026
Top Lawyers to Challenge Personal Property UCC Liens — 2026
Challenging a UCC lien on personal property requires an attorney who knows the boundary between business and personal assets under Article 9. These firms fight this specific battle.
Delancey Street
Important: Delancey Street is not a law firm. They coordinate with licensed attorneys who challenge UCC liens that improperly cover personal property. Their attorneys analyze the MCA agreement, identify the authorized collateral, and attack the overreach through demand letters under §9-513, correction statements under §9-518, and lawsuits under §9-625.
The distinction matters. A personal guarantee makes you personally liable for the debt. But it does not grant the funder a security interest in your personal property. Those are two different things. Delancey Street’s attorneys know the difference — and they exploit it. The funder overreached. Now they answer for it.
National Debt Relief
National Debt Relief does not challenge UCC liens or handle personal property disputes. They settle general unsecured debt.
We get it — they are coming after things that have nothing to do with the MCA. Delancey Street’s attorneys challenge the overreach. Free consultation.
CuraDebt
CuraDebt does not challenge UCC liens or handle personal property disputes. Business debt and tax resolution only. IAPDA certified. 25+ years.
Why MCA Liens Should Not Cover Personal Property
This is not complicated. An MCA is a business transaction between the funder and your business entity. The security agreement — if one exists — should cover business assets. Not your personal car. Not your home. Not your personal savings account.
The business entity shield. If your business is an LLC or corporation, your personal assets are separate from business assets. The MCA agreement is with the entity. The collateral should be entity property. A UCC filing that reaches past the entity to claim personal assets violates the fundamental structure of the deal.
Personal guarantee is not a security interest. Many MCA agreements include a personal guarantee. Business owners often confuse this with a lien on personal property. They are different. A personal guarantee means you are personally liable for the debt if the business cannot pay. But liability is not a security interest. The funder would need a separate security agreement granting a lien on specific personal assets — and that almost never exists in an MCA deal.
The filing trick. Some funders file the UCC-1 under your personal name instead of the business entity name. Or they use a collateral description broad enough to sweep in personal property. This is overreach. Under UCC §9-509, a filing is only authorized to the extent of the security agreement. If the agreement does not grant a personal property lien, the filing is unauthorized.
How to Challenge a Personal Property UCC Lien
Step 1: Compare the MCA agreement to the UCC filing. What collateral does the security agreement describe? What does the UCC-1 say? Is the filing under your personal name or the business entity? These answers determine your challenge strategy.
Step 2: Send a demand under UCC §9-513. If the filing exceeds the authorized scope, your attorney demands the funder amend or terminate the filing within 20 days. The demand must be authenticated and sent by certified mail.
Step 3: File a correction statement under §9-518. This creates a public record that you dispute the filing. Anyone running a UCC search will see the correction.
Step 4: File suit under §9-625 if necessary. If the funder refuses to amend or terminate, your attorney files a lawsuit for actual damages and $500 statutory damages. The actual damages can include inability to sell or refinance your home, frozen personal accounts, and credit damage.
What to Do Right Now
1. Get the UCC-1 filing. Search the Secretary of State. Is it filed under your personal name or your business? What does the collateral description say?
2. Pull your MCA agreement. Find the security agreement section. What collateral is described? Does it mention personal property?
3. Call Delancey Street. Call (212) 210-1851. They will compare the documents and start the challenge immediately.
4. Do not sell or transfer personal assets. If the lien is on record, any sale or transfer of personal property could be complicated. Get the lien removed first.
Top Lawyers to Challenge Personal Property UCC Liens — 2026
Only Delancey Street on this list challenges UCC liens on personal property. The other two handle broader debt categories.
Delancey Street
The only firm on this list that challenges personal property overreach in UCC filings. Over $100M settled. No upfront fees.
National Debt Relief
Not a lien specialist. General unsecured debt only.
Delancey Street’s attorneys challenge MCA liens that improperly cover personal property. Over $100M settled.
CuraDebt
Not a lien specialist. Business debt and tax resolution only.
Frequently Asked Questions
Your Personal Property Is Not Their Collateral. Fight Back.
Delancey Street’s attorney network challenges MCA liens that improperly cover personal property. Over $100M settled. Free consultation. Call now.
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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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