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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.

New Mexico Merchant Cash Advance Legal Help – Attorneys, Debt Settlement

New Mexico Merchant Cash Advance Legal Help – Attorneys, Debt Settlement

Merchant cash advances have become a popular way for small businesses in New Mexico to access quick financing. However, some businesses may struggle with repayment or feel they have been misled. If you are facing legal issues with your merchant cash advance in New Mexico, there are attorneys who can help.

How Merchant Cash Advances Work

A merchant cash advance provides a business with a lump sum of money in exchange for a percentage of future credit card sales. There is typically no set repayment schedule. Instead, the provider takes a fixed percentage of daily credit card receipts until the advance has been repaid in full, plus fees.The advantage is quick access to capital without requiring a strong credit history or fixed monthly payments. However, the cost of a merchant cash advance is often much higher than a small business loan when you calculate the annualized rate.

Common Legal Issues Facing New Mexico Businesses

While merchant cash advances can help businesses access funds quickly, they also come with legal risks, such as:

  • Excessively high interest rates and fees
  • Lack of transparency in contract terms
  • Aggressive debt collection tactics
  • Getting trapped in an endless cycle of debt

Many businesses claim predatory lending, arguing they did not fully understand the terms or high costs at the time of signing. Others struggle to repay and face harassment from debt collectors.

Finding Legal Help in New Mexico

If you feel your New Mexico business has been wronged by a merchant cash advance provider, there are legal options. An attorney can review your case and determine if you have grounds for any of the following:

Debt Settlement

An attorney can negotiate with the lender to reduce the amount owed or create an affordable repayment plan. Debt settlement avoids bankruptcy and can remove stress. Learn more about debt settlement.

Unfair Lending Practices

There are laws in New Mexico protecting consumers and businesses from predatory lending. If a lender misled you on repayment terms or violated other regulations, you may sue to void the contract. See relevant New Mexico statutes.

Harassment by Debt Collectors

It is illegal under federal and New Mexico state law for collectors to use abusive tactics to collect debts. You can sue for damages and stop further harassment. Learn about harassment laws.

Finding a New Mexico Attorney

If considering legal action over a merchant cash advance in New Mexico, be sure to work with an attorney familiar with business and finance law. Reputable sources to find qualified representation include:

Look for lawyers with specific experience in financial services litigation, consumer law, and debt relief. Schedule an initial consultation to discuss your merchant cash advance issues confidentially. Many attorneys work on a contingency fee basis for this type of case.

What to Expect From the Legal Process

If you move forward with a lawsuit or settlement negotiations, expect a lengthy and complex process. Key phases may include:


Your attorney will thoroughly examine the merchant cash advance agreement, accounting statements, and any other evidence to build your case.

Filing a Complaint

A complaint submitted to the court kicks off formal legal proceedings. Your complaint will outline how the defendant violated the law in your case.

Discovery Phase

Both sides exchange relevant documents and information through interrogatories, document requests, depositions, and more.

Settlement Negotiations

Many cases settle out of court once evidence gathering clarifies issues. This avoids a trial.


If no settlement is reached, your case would proceed to a trial where both sides present arguments and evidence.

Costs and Other Considerations

Beyond attorney fees, also expect to invest significant time and emotional energy if pursuing legal action. Lawsuits can drag on for months or years before reaching resolution. There may also be financial risks if you lose your case in the end.However, the potential benefits make it worthwhile for many businesses. You may recoup lost money, escape crippling debt, stop harassment from collectors, and regain peace of mind.

Finding the Right Solution for Your Business

If facing legal issues related to a merchant cash advance, know that help is available. Connecting with an experienced New Mexico attorney can help you understand your options and legal rights. In many cases, an attorney can negotiate settlements or file claims to resolve matters successfully.Every business situation differs, so schedule consultations with lawyers to discuss your specific issues confidentially. With customized counsel, you can find the best path forward to resolve your merchant cash advance dispute. Relief may be closer than you think.

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

Delancey Street CEO discusses ways to reward employees
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