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Steven Raiser is Chief Legal Officer, and Legal-Counsel at Delancey Street. Steven is a native of Long Island and has also resided in Manhattan and the Bronx.

Since being admitted to the New York Bar, Steven has represented the city of New York, serving as a Special Assistant Corporation Counsel. He handled all aspects of litigation in child neglect cases there, representing the interests of the children and the city. He then served as an Assistant District Attorney, where he successfully prosecuted hundreds of criminal cases, from violations of the Vehicle and Traffic Law to homicides. During his time as a prosecutor, Steven was involved in high-profile cases such as those involving Rapper DMX and NY Rangers’ Defenseman Sandis Ozolinsh.

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While serving as a prosecutor, he joined the U.S. Army. As a commissioned officer in the Army National Guard Judge Advocate General’s Corps, Steven volunteered for active duty in Iraq. There he served in the office of the Staff Judge Advocate, defending soldiers from actions instituted by the federal government, making probable cause determinations for the command, and assisting in the training of Iraqi soldiers in legal proceedings. In recognition of his service in Iraq, he earned the Global War on Terrorism Expeditionary Medal for meritorious service in support of Operation Iraqi Freedom and the Army Commendation Medal for exceptional meritorious service during combat operations. He, along with his unit, received the New York State Bar Association’s Award for Excellence in Public Service and was presented with our state flag by Senate Majority Leader Joseph Bruno.

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Steven M. Raiser is admitted to practice law in the state courts and federal court in the Eastern District. On November 14, 2010, he was sworn in to the United States Supreme Court by Chief Justice John Roberts in Washington, D.C. Steven has appeared as a legal analyst for FOX, CNN, and Court TV (TRU TV). His interviews on CNN and FOX have been posted to their websites and have been showcased under “must see videos.”



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Hey there! If you’re a business owner in North Carolina dealing with a merchant cash advance (MCA) that’s got you feeling like you’re in over your head, you might be looking for some legal help to navigate these choppy waters. Let’s dive into what you need to know about getting the right help and maybe even settling that debt.

What’s the Deal with MCAs?

First off, MCAs can be a quick way to get cash for your business, but they come with a catch. They’re not like traditional loans; instead, they’re an advance on your future sales. This means the lender gets a cut of your daily credit card sales until the advance is paid off. Sounds simple, right? But the terms can be a bit, let’s say, tricky.

Why You Might Need an Attorney

Here’s the thing: MCA agreements can be a minefield of complex terms and high costs. And if your business hits a rough patch, those daily payments can become a real nightmare. That’s where a good attorney comes in. They can help you understand the fine print, negotiate better terms, or even defend you if things get legal.

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Finding the Right Help

When you’re looking for legal help, you want someone who knows their stuff. Check out sites like Avvo, Lawinfo, and FindLaw to find attorneys who specialize in debt settlement and MCA issues. They’ve got directories where you can search for legal pros in your area.

The Legal Nitty-Gritty

Now, let’s talk about some of the legal defenses you might have. For instance, if the MCA terms are super vague or the costs are through the roof, you might have a case for deceptive trade practices. And if the lender’s collection tactics are a bit too aggressive, there are laws to protect you from that too.

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Settling That Debt

If you’re thinking about settling, an attorney can be your best friend. They can negotiate with lenders to get you a better deal, like a lower lump-sum payment or more time to pay. But watch out for debt settlement companies that promise the moon and charge you a fortune. Sometimes, they just don’t deliver.

Empathy and Understanding

Look, dealing with MCA debt can be stressful, and it’s easy to feel overwhelmed. A good attorney will get that and will work with you to find a solution that doesn’t just sound good on paper but actually works for your situation.

In Conclusion

If you’re tangled up in an MCA mess, getting legal help can be a game-changer. Just make sure you find someone who’s got the experience and isn’t afraid to fight for your business. And remember, you’re not alone in this—there are pros out there who’ve got your back.So, take a deep breath, do your homework, and get ready to take back control of your finances. With the right help, you can navigate through this and come out stronger on the other side. Good luck!

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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.

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$500,000 MCA Restructured Over 3 Years
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$250,000 SBA Loan Offer in Compromise
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$350,000 MCA Restructured Over 2 Years

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