You have options with EIN Cap
Our team’s proven approach to MCA debt relief can help protect your business’s financial health.
Flat Fee Pricing with payment plans
Legal Representation
No “success” fees or Percentage of Money “Saved.”
After resolving my MCA debt with EIN Cap , I'm focused on growing my business again.
Your Legal Solutions with EIN Cap
Finance with another Lender
Qualified businesses may be eligible for MCA refinancing with competitive rates and better terms. We can connect you with trusted lenders who specialize in helping merchants restructure their cash advance obligations. Contact us to explore your refinancing options while your account remains current.
Modify Terms / Settle
When facing MCA debt challenges, lenders often consider settlement offers – especially when presented with a clear financial assessment. Our attorneys negotiate directly with lenders to secure favorable terms, which may include reduced lump-sum payments, restructured payment plans, or temporary payment modifications.
We strengthen your position by developing a detailed financial analysis that demonstrates why your proposed settlement serves both parties’ interests. Our legal team handles all negotiations and carefully reviews every agreement to protect your rights and ensure advantageous terms.
Litigation
Our litigation expertise spans two critical areas of MCA debt resolution:
Preventive Legal Action When necessary, we take legal action against MCA funders to protect your rights and challenge questionable lending practices. This proactive approach can help restructure unfavorable agreements and address potential contract violations.
Defense Against Default Claims If you’re facing legal action from an MCA funder, our attorneys defend against excessive collection attempts and inflated default fees. We leverage our deep understanding of MCA law to protect your interests and pursue fair resolution.
With a nationwide network of experienced attorneys, we defend clients wherever MCA litigation arises.
Our law firm has the capability to provide legal representation in most states where MCA funders file lawsuits.
Personal Bankruptcy Protection
While both Chapter 7 and Chapter 13 bankruptcy may offer paths to debt relief based on your financial situation, many clients find Chapter 7’s debt discharge provisions particularly beneficial.
Note that while Chapter 7 bankruptcy can eliminate your personal liability for MCA debt, your business entity remains responsible for its obligations. Our attorneys will help you understand how bankruptcy protection applies to both you and your company.
Corporate Bankruptcy
Chapter 11 bankruptcy can provide comprehensive debt relief for both you and your business, potentially reducing MCA obligations through strategic debt restructuring. Our attorneys guide you through this powerful protection option.
Do Nothing
Acting quickly is crucial when facing MCA litigation. If a judgment is obtained, creditors can pursue collection across state lines – targeting both personal and business assets, including bank accounts and other property not protected by state law.
Contact our attorneys today for a comprehensive analysis of your situation and a strategic plan to protect your business and personal assets.
Attorney
Let's speak about EIN Cap
You may have more options than you realize.
Why hire our Law Firm?
Engaging a skilled legal team can significantly impact the result of your EIN Cap resolution process.
Having an experienced MCA Debt Law Firm is essential to protect your rights, negotiate fairer repayment terms, and potentially challenge unlawful lending practices. A lawyer can help identify contract loopholes, defend against lawsuits, and, in some cases, argue for contract invalidation based on predatory lending laws. Without legal representation, business owners risk losing control of their finances, facing asset seizures, or even bankruptcy due to unchecked MCA debt escalation.
Through a phone or online consultation, we will clearly outline all your options for resolving your merchant cash advance (MCA) debt, empowering you to make the best decision for your business and financial future. After the consultation, you’ll receive a detailed summary of your options, and upon request, a recording of the call or video for your reference.
Before engaging our law firm, we will provide full transparency by clearly disclosing all fees upfront. To make our services more accessible, we offer flexible payment plans. Unlike others, we do not charge a success fee or take a percentage of the negotiated settlement savings.
Additionally, you will receive a written statement of work and a strategic action plan for your reference, ensuring clarity and confidence in our approach.
Your Content Goes Here
Licenses and Affiliations
State Bar of New York
State Bar of New Jersey
State Bar of Utah
National Association of Consumer Credit Attorneys
Do you have more questions about MCA debt?
A merchant cash advance (MCA) is a type of financing where a business receives a lump sum in exchange for a percentage of future credit card sales or future receivables.
Unlike traditional loans, MCAs do not require collateral or a fixed repayment schedule. Instead, repayments are tied to daily or weekly sales revenue.
Yes, businesses can explore options such as traditional loans, invoice financing, crowdfunding, and lines of credit, which often have lower costs and more manageable terms. A business loan broker may be able to give you more options.
Businesses should carefully review the terms, calculate the effective APR, and consult with a financial advisor to assess whether the MCA aligns with their financial goals.
Currently, most states have limited regulations for MCAs, leaving business owners vulnerable to predatory practices.
Learn More about MCA Funders like EIN Cap
Why Hire D. Giacomo Vilella PC to Fight Commercial MCA Debt Collectors?
MCA Lawsuit Defense Attorney2025-02-16T17:47:51-05:00February 16th, 2025|