MCA Payments Becoming Unmanageable
Help reviewing overlapping advances, daily withdrawals, reconciliation requests, and possible negotiation or settlement options.
Explore MCA payment optionsMerchant Cash Advance Legal Help for Florida Businesses
Business Debt Law Group is based in Fort Lauderdale, and our attorneys have practiced in Florida since 1998. We represent Florida businesses and owners throughout the state who are facing unmanageable MCA payments, default notices, lawsuits, UCC filings and bank restraints.
Florida has its own rules that can matter in an MCA dispute. The Florida Commercial Financing Disclosure Law (Fla. Stat. §§ 559.961–559.9615) requires providers to give written disclosures for many commercial financing transactions consummated on or after January 1, 2024. Separately, Fla. Stat. § 55.05 treats powers of attorney to confess judgment signed before a lawsuit as void. Whether either applies to your agreement depends on its terms, date, amount and governing-law clause, so the documents need review.
Check the court named in the papers
If your Florida business receives MCA court papers, check the court where the case was filed, each named defendant, and how and when the papers were served. The agreement’s forum and governing-law provisions also need review.
The deadline depends on the court, service, and applicable procedure. Do not assume your business’s home-state rules control a case filed elsewhere. Have the summons, complaint, and service details reviewed promptly.
Already received court papers? Tell the attorney when you contact us. Requesting a review or negotiating with a funder does not itself extend a court deadline or stop collection activity.
How We Help
- Review your MCA agreements, guarantees, Florida disclosures and payment history for potential issues.
- Defend MCA lawsuits filed in Florida county and circuit courts, and evaluate out-of-state lawsuits and judgments.
- Review MCA-related bank restraints, MCA UCC notices sent to your customers, and disputed MCA ACH withdrawals to evaluate potential legal responses.
- Negotiate lump-sum or structured settlements and review release terms before you sign.
- Evaluate multiple stacked MCAs together for a restructuring strategy. We provide legal services, not new financing.
"Every MCA matter starts with the documents. We review the agreements, the payments and Florida law before recommending a path."
— Business Debt Law GroupWhat Happens When You Call Us
Here’s what happens after you contact our Fort Lauderdale office.
1
Tell us what is happening
Explain the MCA payments, funder demands, or lawsuit affecting your Florida business. Flag any court deadline or restrained account. The initial MCA review or case evaluation is free; no lawsuit is required.
2
Review the documents
Review the agreements, withdrawals, guarantees, notices, and filing history, including any court papers, account restrictions, or disputed withdrawals. A review does not itself suspend payments or court requirements.
3
Discuss possible options
Where appropriate, we negotiate with funders or their counsel for a settlement or revised terms, or prepare a defense.
4
Agree on the work
If you hire the firm, the engagement sets out the scope, fees, and responsibility for court appearances or local-counsel involvement. Retained legal services have separate fees, explained before representation begins. Any outcome depends on the facts, applicable law, and creditor or court action.