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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.

Jacksonville Merchant Cash Advance Legal Help – Attorneys, Debt Settlement

Merchant cash advances can seem like easy money at first. But when it comes time to pay them back, many Jacksonville business owners realize they’ve gotten themselves into trouble. If you took out a merchant cash advance and are now facing legal action, don’t panic. There are experienced attorneys who can help.

How Merchant Cash Advances Work

A merchant cash advance isn’t really a loan. Instead, you’re selling a portion of your future credit card sales to a lender in exchange for an upfront lump sum payment. This type of financing appeals to business owners because:

  • There’s no lengthy credit check – the lender bases approval on your credit card sales history
  • You get funding quickly – often within a few days
  • There’s no set repayment schedule – you pay back a fixed percentage of daily credit card sales until the balance is repaid

Calculator and moneyBut there’s a catch. Since there are no fixed monthly payments, repayment periods can drag on much longer than expected if sales decline. And if you fall behind, extremely high interest rates and fees can pile up fast.Before long, you could end up owing double or even triple your original advance amount. And if the lender sues, things get even messier.

Common Legal Issues Facing Jacksonville Business Owners

Some of the most common legal predicaments faced by Jacksonville business owners who’ve taken merchant cash advances include:

Debt Collection Lawsuits

When you default on repayment, the first thing your lender will probably do is hire a debt collection agency. You’ll likely receive increasingly aggressive letters and calls demanding payment.If you still don’t pay, the lender can file a lawsuit to recover the debt plus interest, fees, and legal costs. And they usually win, resulting in a judgment against your business.


A judgment gives the lender broad collection powers, like garnishing your bank accounts or placing liens on your commercial property and equipment. Left unpaid, judgments also trash your credit score and stay on your record for many years in Florida.

Bank Levies

If the lender knows where you bank, they can obtain a court order to seize the funds in your accounts to satisfy the judgment. Unfortunately, this often happens without warning, cleaning out accounts and leaving you unable to cover payroll and other immediate expenses.

Commercial Lien Foreclosures

Liens placed on your business property act as a cloud on your title, limiting your ability to sell or refinance until they’re paid off. And if you still don’t pay, the lender can foreclose on the property to recoup their investment.person with head in hands

Jacksonville Merchant Cash Advance Attorneys Can Help

If you’re facing legal action over a business cash advance gone bad, don’t wait to seek help from an attorney. An experienced lawyer can review your agreement, assess your options, and fight to protect your interests in court if necessary.Potential defenses can include:

  • Unconscionability – Argue the agreement’s terms were unjustly one-sided or the interest/fees excessive.
  • Breach of contract – Claim the lender didn’t uphold their end of the bargain.
  • Improper conduct – Allege deceptive sales tactics or lending violations.

While every situation is different, a skilled attorney may be able to negotiate a settlement, reduce the amount owed, or even get the case dismissed.They can also help shield your assets, defend against bank levies and property liens, and take other steps to limit further damage while disputing the debt.

Finding the Right Lawyer

Sorting through Jacksonville merchant cash advance attorneys can feel overwhelming when your business is on the line. As you research options, look for these key traits:person looking at files

Specialized Experience

Seek out lawyers with extensive backgrounds fighting merchant cash advance cases specifically. Understanding the intricacies of these complex agreements is crucial.


Look for sincere passion in wanting to help business owners in your shoes. You need someone who will fight tirelessly in your corner.

Strong Negotiation Skills

Since most cases settle out of court, it’s vital your attorney can negotiate firmly and strategically with lenders.

Reasonable Fees

Attorney fees shouldn’t break the bank. Shop around for fair rates and flexible payment options.

Finding the Right Help Brings Hope

Dealing with a merchant cash advance gone wrong can be scary and emotionally taxing. But you don’t have to handle it alone. Connect with a dedicated lawyer to start mapping out your defense today. With an experienced legal guide on your team, you can move forward with confidence instead of fear.

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

In The Media

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