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Delancey Street Helps Business Owners Regain Control

Each year 10's of thousands of business owners struggle.

Join The Program

Fill out our contact form. We'll reach out and conduct a thorough assessment of your situation, and how we can help you. Our goal is to understand your situation, and determine if our program is the right for you, and the type of debt you have.

We Work With You

Once we determine our program is right for you, we start working on your behalf. We conduct a thorough evaluation of the type of debts you have, and put together an action plan on what a realistic, and beneficial outcome would look like for each debt.

We Get Results

The final step is the most important, we restructure your debt and put you in a better position than we found you. We work with you to adhere to the new debt restructuring program, and are with you every step of the way to make sure your business is thriving.

Program Results

$450K Merchant Cash Advance

Extra 24 Months

Transformed into a monthly payment, and extended by 2 years, with a 15% reduction in balance.
$110K Merchant Cash Advance

55% Reduction

Transformed into a monthly payment, and extended by 2 years, with a 55% reduction in balance.
$100k Business LOC

50% Redution

Our client had an LOC with a MCA hybrid lender, and saw a drastic reduction in balance.

How We Help

Business debt settlement through Delancey Street involves restructuring your corporate debt, in a manner that allows you to keep your doors open, and results in an increase in cashflow.

Get a affordable plan that works for your business cash flow as a part of the debt settlement process.

Get potential resolutions with Delancey Street in a timely and effective time frame once you enter our debt relief program.

You Have a Powerhouse team of financial and legal experts on your side, advising you on how to interact with predatory creditors.

5 Star Google Rating trusted by 100's of people who are struggling with business debt.

San Diego Merchant Cash Advance Legal Help – Attorneys, Debt Settlement

San Diego Merchant Cash Advance Legal Help – Attorneys Provide Debt Settlement

Merchant cash advances (MCAs) can seem like an easy way for small businesses to get quick cash, but they often come with predatory terms and aggressive collection tactics when borrowers fall behind on payments. If your San Diego business took out an MCA and is now facing legal threats, don’t panic – experienced attorneys can help protect your assets and negotiate settlements.

How San Diego MCA Lenders Operate

Merchant cash advance companies aren’t technically lenders. Instead of issuing loans, they “purchase” a percentage of your future credit card sales through a process called factoring. You get a lump sum upfront, but have to pay it back at sky-high interest rates often exceeding 100% APR.The transaction masquerades as a purchase instead of a loan to avoid California lending laws. This loophole leaves borrowers vulnerable when lenders engage in unethical behavior like:

  • Misrepresenting terms to trick business owners
  • Charging excessive interest rates
  • Aggressive collection tactics like harassing calls
  • Freezing bank accounts to seize repayments

While possibly legal, these practices are despised by courts and regulators. Experienced attorneys leverage violations to defend borrowers.

What Happens When You Default on an MCA

If you miss merchant cash advance payments, lenders often sue for breach of contract and demand immediate repayment of the remaining balance. Many MCA agreements contain “confessions of judgment” allowing lenders to obtain default judgements without even notifying borrowers.Lenders can then legally seize assets, freeze bank accounts, or force you to close up shop. They may also damage relationships by contacting vendors and customers about debts.In short – defaulting on an MCA can quickly spiral out of control if you don’t have experienced legal counsel on your side. Don’t wait until it’s too late.

San Diego MCA Defense Attorneys Can Help

The good news? San Diego has no shortage of qualified attorneys ready to protect your interests against predatory MCA tactics. They leverage several key defenses:Unconscionability ClaimsIf an agreement contains unfair, deceptive, or outrageous terms, courts may rule it “unconscionable” and invalidate sections – or the entire contract. Attorneys highlight unbalanced terms in MCA deals like interest rates exceeding 100% APR.Usury Law ViolationsAlthough MCAs claim to be cash advances and not loans, courts increasingly rule they are in fact loans subject to state lending laws. California’s usury law prohibits interest rates over 10% without special licenses that MCA lenders lack. This can nullify interest charges.RICO ViolationsIn multiple landmark federal cases, MCA companies were found guilty of racketeering through systemic contractual fraud and extortionate collection practices. Such racketeering violations open MCA lenders to severe civil and criminal penalties – especially when multiple injured parties file claims.Negotiating Discounted Repayment SettlementsFaced with potential lawsuits and regulatory sanctions, many MCA lenders will negotiate settlements allowing borrowers to repay less than they owe. Experienced lawyers start settlement talks by highlighting legal exposures – an effective bargaining chip. Settlement discounts of 20% to 50% are common.

Act Now to Protect Your San Diego Business

If an MCA lender threatens your livelihood over missed payments, don’t wait to seek legal help. San Diego attorneys can quickly file court motions to halt collections while leveraging violations to invalidate contracts or negotiate reduced settlements.Don’t let predatory lenders harm your business relationships or seize assets without a fight. Schedule a free consultation with an attorney today before it’s too late. With the right legal strategy, you can settle debts at deep discounts or even walk away from abusive MCA agreements. Fight back and take control of your financial future!

Delancey Street is here for you

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"
Leo
$500,000 MCA Restructured Over 3 Years
"Thanks for helping me in literally 24 hours"
Jason
$250,000 SBA Loan Offer in Compromise
"Great choice for business owners who need a trustworthy partner"
Mary
$350,000 MCA Restructured Over 2 Years

In The Media

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