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The Brutal Truth About Negotiating Merchant Cash Advances

You’re Drowning in MCA Debt – Here’s How to Swim

You took out a merchant cash advance, thinking it was a life raft: for your struggling business. But now, those daily ACH withdrawals are like lead weights, dragging you under. You’re drowning in debt, watching your business gasp for air.It’s a harsh reality: that so many small business owners face. Lured by promises of “fast cash, no credit checks” – you got hooked by those predatory MCA lenders. Their confusing contracts, stacked with hidden fees, left you paying triple-digit interest rates. And now, you’re trapped in a cycle of debt that feels inescapable.But you CAN break free. It won’t be easy – negotiating with these loan sharks takes skill, strategy, and most importantly: the right team of attorneys in your corner.At Delancey Street, we don’t just understand the MCA debt trap – we specialize in springing businesses like yours from it. Our battle-tested lawyers have one singular focus: dismantling those oppressive MCA agreements through meticulous contract review, forceful negotiation, and when necessary, AGGRESSIVE LITIGATION.So, take a deep breath, and keep reading. We’re about to show you exactly how to wrestle your business out of this MCA chokehold, once and for all.

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Sinking in the MCA Quicksand? Here’s Your Lifeline

If those daily ACH withdrawals have your business operating in the red: you need to take immediate action. Every day counts when you’re hemorrhaging cash to those greedy MCA lenders.The first step? Bring in the Delancey Street team to STOP THE BLEEDING. Our attorneys will:

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  1. Conduct a comprehensive review of your MCA contracts, scouring for any legal deficiencies that could invalidate the agreements entirely. Violations of state usury laws, lack of proper disclosures, unlawful fee structures – we’ll find every inch of wiggle room to challenge these abusive terms. 
  2. Invoke federal debt collection protection laws like the FDCPA to HALT HARASSMENT from your lenders. Those threatening calls, emails, even lawsuits – we’ll put an immediate stop to their intimidation tactics while we negotiate a resolution. 
  3. Develop a custom-tailored negotiation strategy laser-focused on MAXIMIZING YOUR SAVINGS. Through our deep expertise, we’ll pinpoint the precise legal vulnerabilities to leverage – securing the biggest possible discounts off your total outstanding balances. 

With Delancey Street barring the door, those relentless MCA lenders can no longer bleed your business dry. You’ll have breathing room to stabilize operations, while our attorneys go to work dismantling that debt once and for all.

The Negotiation Gauntlet: How We Dismantle MCA Debt

Once we’ve shored up your defenses, our battle-proven attorneys take the fight directly to your lenders. We employ precise negotiation tactics, honed over decades of MCA litigation experience:

  • Highlight legal deficiencies uncovered during contract review to establish LEVERAGE over non-compliant lenders. 
  • Invoke the lender’s own COLLECTION COSTS to incentivize settlement, detailing the expensive litigation they’ll face if unwilling to negotiate in good faith. 
  • Propose a LUMP-SUM PAYOFF at a steep discount to the outstanding balance, demonstrating your commitment to resolution. 
  • Refuse to agree to any settlement that doesn’t represent MASSIVE SAVINGS – we only accept deals that materially improve your financial standing. 
  • Deploy skilled legal writing to craft AIRTIGHT SETTLEMENTS, ensuring lenders can’t renege after the fact. 
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Our attorneys are merciless in these negotiations, never relenting until the best possible deal is struck. We’ve secured discounts of 60-80% for many clients, eliminating $100K+ debts for $40K or less. And if your lenders refuse to negotiate in good faith? We’re MORE than prepared to take the gloves off and dismantle their case in court.

The Litigation Hammer: Smashing MCA Lenders in Court

While we always strive to negotiate from a position of strength, some MCA lenders are too stubborn – or too unethical – to make a reasonable deal.In those situations, it‘s time for our heavy-hitting litigators to take over. We’ll leverage every possible legal angle to DECIMATE the lender’s case, including:

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  • Challenging the MCA agreement’s validity by citing violations like usury law breaches, lack of proper licensing, and illegal fee structures. 
  • Invoking state and federal lending statutes to VOID OPPRESSIVE TERMS, even securing judgments that cancel your obligations entirely. 
  • Countersuing for LENDER MISCONDUCT like aggressive collection tactics, harassment, and fraudulent business practices. 
  • Utilizing civil RICO statutes to pursue TREBLE DAMAGES against lenders engaged in racketeering activity. 

Our litigation team shows ZERO MERCY to these predatory lenders. We‘ll fight tirelessly to invalidate their agreements, recoup your losses, and if necessary, BANKRUPT THEM INTO OBLIVION.With our attorneys leading the charge, even the most powerful MCA companies are FORCED TO STAND DOWN. They know the potential consequences of taking us on in court – and they’ll blink first to avoid financial armageddon.

The Light at the End of the Tunnel: Debt Freedom

Whether through forceful negotiation or aggressive litigation, one thing is certain: with Delancey Street as your advocates, that MCA debt WILL be resolved. You WILL regain control of your business‘s finances. You WILL break free from those oppressive daily withdrawals, once and for all.And when that final settlement check clears, you‘ll be able to breathe again. To refocus your energy on growing your business, serving your customers, and achieving your entrepreneurial dreams – UNSHACKLED from the burden of debt.That’s the Delancey Street promise. We’re with you until the end, walking step-by-step through the negotiation trenches, never flinching in our pursuit of total MCA debt elimination. Our attorneys‘ unrelenting tenacity is the LIFELINE your business needs to claw its way back from the brink.So if you’re drowning under an insurmountable MCA debt load, don‘t struggle alone. Reach out to Delancey Street, and let our team of MCA experts throw you a lifeline. We’ll pull you from the depths, settle every last debt, and give your business a chance to THRIVE once more.The path ahead won’t be easy. But you don’t have to walk it alone. Delancey Street is here to be your SWORD AND SHIELD against the MCA lenders. Together, we WILL defeat this debt, once and for all.

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Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

"Super fast, and super courteous, Delancey Street is amazing"
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$500,000 MCA Restructured Over 3 Years
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$350,000 MCA Restructured Over 2 Years

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