Options with Lifetime Funding debt

Our experienced attorneys offer expert counsel to help you devise the most effective strategy for resolving your merchant cash advance debt.

PRICE QUOTE

FREE CONSULTATION

Transparent flat-fee pricing and flexible payment plans.
Legal Representation
No “success” fees & No “percentage” of amount saved

D. Giacomo Vilella P.C. played a pivotal role in resolving my Lifetime Funding challenges, allowing me to refocus on growing my business.

You have options with Lifetime Funding

Finance with another Lender

New lenders now offer refinancing options for merchant cash advances and business loans at lower interest rates and better terms. Eligibility typically requires being no more than three payments behind. Contact us to explore these opportunities.

Adjust Terms / Negotiate Settlement

Before or after an MCA default, lenders may agree to settle for a reduced amount in exchange for prompt repayment. Options include temporary payment reductions, a lump sum payoff, or structured repayment plans. Our team will prepare a comprehensive hardship package and negotiate on your behalf, with our attorneys reviewing all terms to protect your interests.

Legal Process

Litigation is a key consideration in addressing merchant cash advance (MCA) agreements.

Proactive Litigation: Legal action may be necessary to enforce your contractual rights or challenge deceptive practices.

Default Litigation: If you default, MCA funders may sue to recover the full balance—including excessive fees—though you might have valid defenses or counterclaims.

Our law firm represents clients in jurisdictions where MCA lawsuits are filed, ensuring your rights are protected throughout the legal process.

File Personal Bankruptcy

Your bankruptcy eligibility depends on your income and assets, with Chapter 7 and Chapter 13 as the primary options. Many individuals prefer Chapter 7 for its ability to discharge certain debts without further creditor involvement.

Note: Chapter 7 bankruptcy discharges personal debts only; any outstanding business obligations remain unless addressed separately.

File a Chapter 11 Bankruptcy

A Chapter 11 bankruptcy provides your company with the opportunity to restructure its debts while incorporating certain Chapter 7 provisions. This process can help reduce financial obligations for both you and your business, allowing for a more manageable path toward financial recovery.

Do Nothing

Failing to respond to legal action may result in a judgment against you and your company, which can be enforced in your state—allowing creditors to levy bank accounts and seize non-exempt assets. Our team is ready to assess your situation and craft a tailored asset and business protection plan.

Free Consultation

Jack Villela

Attorney

Let's speak about Lifetime Funding

You may have more options than you realize.

(646) 825-3850

Why hire our Law Firm?

Engaging a skilled legal team can significantly impact the result of your Lifetime Funding resolution process.

Legal Representation

Engaging an experienced MCA debt attorney is essential to protect your rights, secure fair repayment terms, and challenge unlawful lending practices. Our counsel can identify contract weaknesses, defend against lawsuits, and pursue invalidation under predatory lending laws—minimizing your risk of financial instability, asset seizures, or bankruptcy.

Free Consultation

During your consultation, we provide a clear overview of your options for resolving merchant cash advance (MCA) debt, empowering you to make informed decisions. Afterward, you’ll receive a detailed summary and, upon request, a recording of the session.

Transparent Pricing and Tailored Strategic Plan

Before retaining our firm, we outline all fees upfront for complete transparency. Our flexible payment plans ensure accessibility without success fees or percentage deductions from negotiated settlements. You’ll also receive a detailed statement of work and strategic action plan, providing a clear roadmap of our approach.