Usher Law Group Usher Law Group
Debt Relief

Nationwide Merchant Cash Advance Attorneys

Break Free from MCA Debt: Reclaim Your Financial Future

Usher Law Group: Trusted Advocates for MCA Debt Resolution

Buried by Merchant Cash Advance Debts? This website is your roadmap to financial freedom and permanently lowering your obligations with proven legal defenses. Usher Law Group understands the complexities of these predatory loans and has extensive experience in negotiating favorable resolutions. Our skilled legal team will fight tirelessly on your behalf, providing strategic guidance and representation to break the cycle of debt and help you reclaim your financial future.

Schedule Your Free Consultation! Through a simple click of this link and providing a few minor details, You’ll have an initial phone meeting with one of our Brooklyn MCA lawyers who serve nationwide to help you get started on the right track. Our lawyers will help evaluate your situation, agreements involved, issues arising, and goals you want to achieve. This grounds us and lets you ask any questions before deciding to formally engage representation.

As a small business owner, you've poured your heart and soul into building your dream. However, when cash flow became tight, you turned to Merchant Cash Advance (MCA) loans for a quick financial boost. Little did you know, you were stepping into a web of predatory terms and exorbitant fees that would soon become a nightmare.
         
The promises of easy access to funds and flexible repayment terms quickly turned sour as the true nature of these loans unraveled. High interest rates and confusing contracts left you feeling trapped, with a growing sense of helplessness as the debt ballooned out of control. Every sale you made seemed to go straight into the pockets of the lenders, leaving you with little to sustain your business operations.
         
Fear and anxiety began to consume you as you realized the devastating impact these MCA loans could have on your livelihood. Sleepless nights were spent worrying about the potential loss of your business, your hard-earned assets, and the financial security of your family. The weight of these predatory loans became a constant burden, overshadowing the passion and purpose that once fueled your entrepreneurial spirit.

Facts About Merchant Case Advance

  • Over 80% of businesses that take out MCA loans end up in a vicious cycle of debt, unable to break free.
  • Predatory MCA lenders cost small businesses billions of dollars each year in hidden fees and exorbitant interest rates.
  • 1 in 3 small businesses that rely on MCA financing are forced to close their doors within two years.
  • MCA loan defaults have skyrocketed by 300% in recent years, leaving countless entrepreneurs financially devastated.
  • A shocking 90% of MCA loan agreements contain deceptive clauses designed to trap borrowers in perpetual debt.
  • MCA lenders are modern-day loan sharks, preying on the dreams of hardworking entrepreneurs.
  • Deceptive MCA lending practices have caused more small business bankruptcies than any other form of financing.

Every day you delay is another day your business remains shackled by crippling MCA debt. Don't let these predatory loans dictate your future any longer – act now! Contact us online or call (718) 484-7510. Our nationwide Merchant Cash Advance lawyers in Brooklyn are here to help.

The Usher Law Group Difference

Our Approach

Free Consultation:

  • You'll have an initial phone meeting with one of our MCA lawyers to evaluate your situation, agreements involved, issues arising, and goals you want to achieve (reduce payments, settle for less, invalidate contract outright etc.) This grounds us and lets you ask any questions before deciding to formally engage representation.

Contracts and Liens Review:

  • Our legal team thoroughly reviews the fine print language, rate structures, and terms of your merchant cash advance agreements along with any associated lien filings. Through in-depth contractual and associated liens review, we identify potential deficiencies and legal exposures faced by Merchant Cash Advance creditors involving issues such as violations of state usury statutes, failure to comply with lender registration requirements, lack of requisite disclosures, and overly aggressive unlawful collection practices.

Negotiation Strategy Development:

  • Leveraging our knowledge of applicable laws and deficiency findings from contract reviews, we construct a defined negotiation strategy aligning with your specific objectives. This involves positioning arguments customized to your situation and identifying precise settlement offer "goal posts" based on realistic legal exposures faced by creditors. A tactical approach is key.

Direct Settlement Negotiations:

  • An assigned attorney then makes direct contact with each merchant cash advance provider attached to your obligations, backed by essential documentation. We negotiate vigorously within parameters set by the developed strategy, highlighting legal exposures and aiming for maximum savings off existing debts. No relief is agreed to unless representing meaningful difference to your bottom line.

Litigation and Defenses:

  • In some difficult instances, cases proceed to court filings if settlement talks reach an impasse. If so, our lawyers defend you through litigation leveraging contract invalidity claims, state law violations, improper service complaints and more while concurrently still pursuing settlement discussions before judges were beneficial. We fight predatory behaviors aggressively through legal channels.

Direct Settlement Negotiations:

  • An assigned attorney then makes direct contact with each merchant cash advance provider attached to your obligations, backed by essential documentation. We negotiate vigorously within parameters set by the developed strategy, highlighting legal exposures and aiming for maximum savings off existing debts. No relief is agreed to unless representing meaningful difference to your bottom line.

Litigation and Defenses:

  • In some difficult instances, cases proceed to court filings if settlement talks reach an impasse. If so, our lawyers defend you through litigation leveraging contract invalidity claims, state law violations, improper service complaints and more while concurrently still pursuing settlement discussions before judges were beneficial. We fight predatory behaviors aggressively through legal channels.

The longer you wait, the deeper the financial hole becomes. Break free from the vicious cycle of MCA debt before it's too late. Schedule your consultation today with a Brooklyn MCA attorney serving nationwide!

We Are Prepared to Help

How We Can Help

Unique Advantage:

At Usher Law Group, we have made MCA debt relief our unwavering focus. We have dedicated ourselves to becoming authorities in this highly specialized area of law. Our deep understanding of the intricate legal landscape surrounding MCA agreements, combined with our extensive experience in negotiating favorable resolutions, sets us apart from the competition. Our team of seasoned Merchant Cash Advance attorneys and paralegals possess a wealth of knowledge and expertise that comes from years of successfully navigating the complexities of MCA debt cases. We have an intimate understanding of the deceptive tactics employed by predatory lenders, and we know exactly how to counter them with strategic legal maneuvers.

Benefits:

  • Preserve Your Business's Future: By enlisting the services of Usher Law Group, you are taking a proactive step towards safeguarding the future of your business. Our skilled legal team will work tirelessly to negotiate fair settlements or leverage legal strategies that alleviate the burden of MCA debt. This allows you to focus on what truly matters – growing your business and pursuing your entrepreneurial dreams without the constant weight of financial strain.
  • Avoid Bankruptcy: MCA debt can quickly spiral out of control, leading many businesses down the path of bankruptcy. However, with our expertise in MCA debt relief, we can explore alternative solutions that prevent this devastating outcome. Our goal is to protect your hard-earned assets, reputation, and financial stability, enabling you to continue operating without the threat of bankruptcy looming overhead.

By choosing Usher Law Group, you gain a powerful ally in the fight against predatory MCA lending practices. Our specialized knowledge, coupled with our unwavering commitment to your success, ensures that you receive the highest level of legal representation and the best possible outcome for your unique situation.

Features:

  • Consultation: Start your route to MCA debt relief with a personalized consultation from Usher Law Group. Our skilled attorneys will listen to your specific circumstances and offer advice on how to protect and preserve your company's future in the face of financial troubles.
  • Review: We thoroughly review your Merchant Cash Advance agreements and the facts of your case. This in-depth examination enables us to uncover any unfair practices and choose the best course of action based on your individual needs.
  • Strategy: Leveraging our extensive knowledge of the MCA landscape, we develop a robust legal strategy. Our approach is designed to counter predatory lending tactics head-on, using precise legal maneuvers to secure a favorable position for your case.
  • Negotiation: With years of experience in negotiating MCA debt cases, our team works tirelessly to reach fair settlements. We aim to alleviate the financial strain on your business, negotiating terms that allow you to focus on growth rather than debt.
  • Litigation: Should negotiations not yield the desired outcome, we are fully prepared to take your case to court. Our seasoned attorneys are adept at litigating MCA disputes, fighting zealously to protect your interests and ensure the best possible resolution.

Inaction has already cost countless businesses their dreams. Don't become another statistic. Take control of your financial destiny by addressing your MCA debt issues head-on. Dial (718) 484-7510or complete our online form.

FAQs:

Will settling impact my credit & business operations?

Settling your debt through us has no further negative impact on your business or personal credit. Instead, it can begin to improve your position by removing liens and closing out obligations held by creditors once debts are partially forgiven – something bankruptcy does not accomplish. In the negotiation process, we invoke certain consumer rights that put a stay on collections activity. This enables us to tie up potential legal actions against your business as we pursue a settlement, protecting continuity of operations.

How much settlement savings is realistic? 

From extensive experience in MCA litigation, we have secured 60-80% discounts off original balances owed to predatory lenders for many of our clients. In best case scenarios, this has resulted in eliminating $100K+ obligations for $40K or less in payoff through strategic settlements. While outcomes vary due to different contract terms and creditors, we only propose settlements that represent significant and material savings compared to what’s owed. No discount is ever guaranteed, but Usher Law Group only gets the best possible result from every situation. The worse the agreement is, the more leverage we typically have to negotiate incredible discounts.

Can an MCA contract be voided fully?

In short - yes, absolutely. We carefully review each merchant cash advance agreement searching for deficiencies that provide grounds to invalidate contracts outright through legal process if need be. While is it rare, these include violations of state laws capping loan APRs under usury statutes, failure to register as lenders, insufficient truth-in-lending disclosures, illegal fee structures and more. There have been multiple past cases exist where court judgments fully cancelled all MCA-related obligations.

What laws protect against harassment? 

We immediately invoke federal Fair Debt Collection Practices Act rights which prohibits intimidation tactics and sets rules for appropriate creditor contacts. Additionally, states like New York have statutes further restricting heavy-handed collection activities against both individuals and business entities. Reporting any violations empowers regulators to discipline offending MCA companies. During litigation, judges take harassment very seriously in considering penalties against plaintiffs as well. 

Who at Usher Law Group, P.C. handles my case?

Your case will be handled directly by one of our experienced commercial litigation attorneys with the help of experienced paralegals who are intensely focused on fighting against predatory business funding companies and routinely represent clients in MCA-related matters. You deal with dedicated lawyers analyzing your contracts, directly engaging in negotiations, and attending any court proceedings.

Time is of the essence when dealing with MCA debt. Regain your peace of mind and secure your business's future by taking immediate action with our legal experts. Call Brooklyn Merchant Cash Advance attorneys serving nationwide at (718) 484-7510or complete our online form.

Legal Disclaimer: The information provided on this website is for general informational purposes only and should not be construed as legal advice. Each merchant cash advance debt situation is unique, and results may vary. Past performance is no guarantee of future results. Usher Law Group does not make any representations or warranties, express or implied, as to the accuracy or completeness of the information contained herein. Use of this website and any information contained herein is at the user's own risk. Usher Law Group will only represent you after completing an attorney-client agreement. Representation is subject to a case evaluation and acceptance by our firm. No attorney-client relationship is formed by accessing this website or contacting us via email, phone, or online submission. Please do not send any confidential information until establishing an attorney-client relationship. Merchant cash advance debt relief and lawsuits are complex legal matters. Consult with a qualified attorney to understand your rights and options before taking any action.

Dependable, Results-Oriented Representation

Read Our Client Testimonials
  • I highly recommend him for all of your legal needs.

    “Michael is a very knowledgeable attorney that fights hard to get his clients the best results. I highly recommend him for all of your legal needs.”

  • I love this firm!

    “I love this firm! They handle my immigration matter so quickly and they treated me like family. Mr. usher is a wonderful lawyer. If you have any immigration problems you should go to Usher Law Group PC to get them fixed.”

  • My family and I have used Mikhail Usher to handle multiple cases for us and always pleased with the outcome

    “My family and I have used Mikhail Usher to handle multiple cases for us and always pleased with the outcome. We have used him for our immigration case, debt/ creditor issues, and a real estate closing. He was very pleasant to chat with at the consultation. Paralegals always answer the phone quickly and return call quickly as well.”

  • I highly recommend Usher Law Group to everyone for any legal need or advice

    “I highly recommend Usher Law Group to everyone for any legal need or advice. They are extremely knowledgeable, quick at filing your case and constantly follow up with you regarding any updates. I have personally used them for over a decade now for several areas including immigration, real estate and civil litigation. What sets them apart is their lead attorney, Mike is relentless in pursuing the most satisfactory resolution for your case no matter the obstacles or circumstances.”

  • What more can i ask for?

    “Best lawyer I have ever had the privilege of hiring. He know what he is doing, takes pride in his work and has very reasonable prices. What more can i ask for?”