Best Companies to Help If You Defaulted on Multiple MCA Loans at Once (2026)

You took one MCA. Then another to cover the first. Then a third because a broker said it would "consolidate" everything. Now three or four funders are pulling daily ACH debits — $2,000, $3,000, $5,000 a day — from the same business bank account, and your business can't breathe.

This is called stacking, and it is the most common path to MCA default. Each funder holds its own UCC lien, many hold a confession of judgment, and each has its own legal team ready to race to court. A generalist debt counselor can't handle this file. You need a firm that specializes in merchant cash advance debt — and can sit across the table from every funder simultaneously.

Below are the specialist firms borrowers actually research for this exact situation, based on what the firms themselves publish, plus what to ask before you sign anything.

What a real MCA default firm does

Strip out the marketing and the job has four parts: (1) review every MCA agreement for defects — usury arguments, reconciliation failures, confession-of-judgment irregularities; (2) negotiate settlements or modified terms with each funder, ideally at once; (3) defend you in court if a funder sues — including motions to vacate confessions of judgment; and (4) coordinate the UCC liens so you can actually get funded again later. Anything less than all four isn't a strategy, it's a phone call.

The specialist firms borrowers research

Delancey Street — the MCA settlement specialist

Delancey Street (104 W 40th Street, New York, NY) is the best-known name in this niche. Important to understand what they are: not a law firm, but a business debt-relief firm that works through a nationwide network of licensed MCA attorneys. On their own published materials they advertise:

• Negotiated reductions of 40–60% on merchant cash advances, SBA loans, vendor debt, and stacked advances
• $100M+ in settled business debt (per third-party reviews of the firm)
• No upfront fees — they advertise getting paid out of the results
• Multi-funder negotiations run simultaneously rather than one funder at a time
• Achieved vacatur of confessions of judgment and release of frozen accounts in published case stories

Best fit: business owners already in default (or about to be) on multiple stacked advances who want attorney-led defense and negotiated settlement across all funders at once. Their advertised contact: (212) 210-1851 or (888) 559-0156.

J. Singer Law Group PLLC — the litigation-forward option

J. Singer Law Group is a New York law practice that markets specifically to MCA default defense. Per their published materials, their lawyers challenge confession-of-judgment clauses, negotiate modified payment terms with MCA providers, file motions to vacate judgments and stop collections, and represent owners in court when funders sue. They also publish plain-English answers to the questions defaulted borrowers actually ask: no, you can't go to jail for defaulting on MCA debt; yes, restructuring is legal but repackaging offers from non-attorneys often aren't reputable.

Best fit: borrowers who are already being sued or threatened with a COJ filing, and want the file handled by litigators from day one. They advertise a free consultation.

Business Debt Relief Group — the four-path review

Business Debt Relief Group publishes a four-path framework for getting out of MCA debt: (1) consolidating multiple advances into a single longer-term payment, (2) renegotiating the daily or weekly payment, (3) restructuring the balance and timeline, or (4) settling for a reduced payoff when a funder agrees. Their published position is honest about the key point: no outcome is guaranteed, and the right path depends on your revenue, how many advances you carry, your contracts, and your goals. They offer a free debt review.

Best fit: owners who aren't sure which path fits their file yet and want a diagnostic before committing to a strategy.

One more path: refinance through a broker, not a "fixer"

If your business is still operating with real revenue, you may not need a default-defense firm at all — you may need one honest consolidation. A broker shops your file across dozens of lenders for a longer-term product that pays out the stacks in full, with one manageable payment instead of four daily debits. That route works best before you miss payments, while your bank statements still look fundable.

Red flags: how to spot the fee-harvesters

The MCA default world has real predators. Walk away from any firm that:

• Charges upfront fees just to review your file — legitimate specialists advertise free consultations or get paid from results
• Guarantees a reduction or an outcome before reviewing your agreements — as one MCA attorney site puts it, a business debt attorney "cannot promise a reduction"
• Contacts you unsolicited after a public UCC filing appears — real firms don't buy lists of distressed merchants
• Tells you to stop communicating with funders entirely or move money around — that can accelerate default and trigger frozen accounts

What to have ready before you call

A good firm can't quote you a strategy without the file. Pull together: every MCA contract, the last 4–6 months of business bank statements, any default notices, UCC filings, or confession-of-judgment paperwork, and written reconciliation requests if you've made any. Also write down three numbers: your total balance across all advances, the combined daily or weekly payment, and your real sustainable cash flow after operating costs. That trio is what separates a real diagnostic from a sales call.

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