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We enforce merchant cash advance agreements to protect funders, ensuring contracts hold strong when defaults hit

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Our merchant cash advance expertise drives recovery for funders, tackling defaults with precision

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We secure recoveries for MCA funders by enforcing judgments when deals default

Full Service Merchant Cash Advance Attorney

At David I. Mizrahi Law, P.C., we provide comprehensive legal support for merchant cash advance (MCA) funding professionals across New York. Our mission is to safeguard your investments and maximize recovery when merchants default. With a focus on three key areas—pre-litigation collections, court litigation, and judgment enforcement—we offer end-to-end solutions tailored to the unique needs of MCA funders. Whether you’re a small business funder or a large-scale creditor, our experienced attorney delivers the legal expertise and aggressive strategies you need to succeed in New York’s competitive financial landscape.

Collections Attorney: Pre-Litigation Recovery

As your collections attorney, we prioritize recovering funds from defaulting merchants efficiently and cost-effectively, often without stepping into a courtroom. Our approach begins with pre-litigation strategies designed to protect your creditors’ rights while minimizing delays and expenses.

  • Pre-Litigation Strategies: We explore payment plans and settlements to resolve debts swiftly, saving you time and resources.
  • Leveraging UCC Lien Notices: By filing UCC-1 financing statements, we assert your claim on a merchant’s property, creating leverage to prompt payment without immediate litigation.
  • Effective Demand Letters: Our authoritative demand letters, crafted by our seasoned litigation attorney, outlines obligations, deadlines, and consequences, driving results and protecting your investments.

Unlike collection agencies, we offer legal expertise that agencies can’t match—filing lawsuits, securing judgments, and enforcing liens—delivering higher success rates and faster resolutions. For MCA funders, our tailored approach to commercial debt recovery ensures your financial interests are safeguarded outside the constraints of the Fair Debt Collection Practices Act (FDCPA).

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Merchant Cash Advance Attorney: Court Litigation

When merchants breach MCA agreements, we transform defaults into victories. As your merchant cash advance attorney, we file lawsuits in New York courts when necessary, securing judgments to hold merchants accountable and reclaim your funds

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  • Crafting Ironclad Agreements: We draft MCA agreements with clear repayment terms, reconciliation provisions, and default clauses, ensuring they withstand legal scrutiny and protect your capital from the outset.
  • Litigating Breaches with Precision: From missed payments to diverted sales, we identify breaches, gather evidence, and sue with strategic force, leveraging case law precedents to strengthen your case.
  • Defending Against Usury Claims: Merchants may challenge MCA agreements as usurious loans, but we dismantle these defenses, proving your deal’s legitimacy as a purchase of future receivables under New York law.

Our MCA litigation services turn high-stakes funding challenges into wins. We fight to ensure your investment isn’t lost to merchant defaults, delivering the legal edge you need when you need it.

Judgment Attorney: Collecting Default Judgments

A judgment is only as valuable as its enforcement. As your judgment attorney, we focus on turning MCA default judgments into tangible payouts, offering judgment enforcement New York creditors trust. We pursue every legal avenue to ensure you recover what’s owed.

  • Tracking Down Assets: We uncover hidden bank accounts, real estate, and revenue streams, countering debtor tactics with precision to monetize your judgment.
  • Enforcement Tools: Using writs of garnishment, bank levies, liens, and asset seizures under New York’s Civil Practice Law and Rules, we secure your recovery with speed and effectiveness.
  • Maximizing Recovery: We enforce contractual fees and interest provisions—upheld in cases like Parkside Funding Group LLC v. Insane Bargain 2 Inc. (2025)—ensuring you recover your investment plus additional costs.

From domesticating out-of-state judgments to navigating bankruptcy complications, we handle the full spectrum of judgment collection challenges. Our Manhattan-based team works tirelessly to ensure your court victory translates into cash.

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Why Choose Us?

At David I. Mizrahi Law, P.C., we represent MCA funders from A to Z—reviewing agreements for latest compliance, pursuing collections, litigating breaches, and enforcing judgments. Licensed in multiple states and in good standing with the state bar, we bring: (a) proven success in MCA collections and litigation; (b) a deep understanding of MCA agreements and creditors’ rights; and (c) a track record of securing payments for funders.

Struggling with defaulted merchants? Contact us today for a free consultation. We’ll assess your case, outline your options, and develop a plan to recover your funds. Let us take on the burden of pursuing defaults, so you can focus on growing your business.

Contact us

david@mizrahilawpc.com

(212) 804-8841