Merchant Cash Advance (MCA) Attorneys
Legal representation for business owners facing merchant cash advance defaults, stacked advances, daily ACH withdrawals, UCC liens, and collection suits in Arizona and Washington. Free consultation.
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Your Whole Balance Sheet, In One Place, Powered by bankruptcy.ai
Untangling stacked advances takes clean numbers. Our bankruptcy.ai-powered intake pulls your business bank activity securely through Plaid and organizes every advance, lien, and guaranty — so your attorney can see the full picture immediately and act on it.
Book a Free ConsultationMerchant Cash Advance (MCA) Attorneys for Small Business Owners
A merchant cash advance is not a traditional loan. The funder buys a slice of your future receivables and takes daily or weekly withdrawals straight out of your business bank account. When revenue dips, those withdrawals do not — and many owners take a second and third advance just to cover the first. Majors Law Group, P.C. provides legal services and legal representation to business owners in Arizona and Washington dealing with MCA defaults, stacked advances, frozen accounts, UCC liens, confessions of judgment, and personal guarantees.
MCA Situations We Handle
- Stacked advances — two, three, or more MCAs draining the same account
- Daily or weekly ACH withdrawals your revenue can no longer support
- Default notices, acceleration, and demands for the full remaining balance
- UCC-1 liens filed against your business assets and receivables
- Notices sent to your customers or processor to intercept payments
- Frozen or levied business bank accounts
- Personal guarantees and confessions of judgment signed at funding
- Collection lawsuits filed by the funder or a purchased-debt buyer
What Our Attorneys Do About It
We start by reading the agreements — the purchase and sale of receivables, the guaranty, the security agreement, and any reconciliation clause. Many MCA contracts require the funder to reconcile withdrawals when revenue falls, and many funders ignore that obligation. We invoke reconciliation, negotiate reduced or paused payments, and pursue restructured payoffs that let the business keep operating. We defend collection suits, address UCC liens and account levies, and where an advance is really a disguised usurious loan, we evaluate those defenses. When the stack is simply too deep, we compare a negotiated resolution against Chapter 7, Chapter 13, or Subchapter V reorganization and explain which one gives you the strongest outcome.
When MCA Debt Overlaps Everything Else
MCA trouble rarely arrives alone. It usually comes bundled with SBA or EIDL balances, business credit cards, equipment leases, unpaid payroll taxes, and a personal guaranty on each one. Because our firm handles SBA matters, business debt, and consumer and business bankruptcy in Arizona and Washington, we can address the whole balance sheet in one plan instead of treating each creditor as a separate emergency.
Free Consultation With an MCA Attorney
If withdrawals are already outrunning your deposits, time matters. Book a free consultation and our attorneys will review your MCA agreements, your guaranty, and your cash flow at no cost.
The Attorneys Handling Your Business Debt
Business loan defaults touch personal guarantees, tax debt, and sometimes bankruptcy at the same time. Our attorneys handle all of it in house across Arizona and Washington.
Dominic Majors, Esq.
Owner & Founding Attorney
Licensed in Arizona, California, & Washington
Garrett Johnson, Esq.
Supervising Personal Injury Attorney
Licensed in Arizona and Washington
Shawna Reynolds, Esq.
Associate Attorney
Licensed in Arizona and Washington
Kyle Packer
Associate Attorney
Licensed in Arizona
Celina Cardenas, Esq.
Associate Attorney
Licensed in Arizona
John Laris Esq.
Bankruptcy Attorney
Licensed in Washington
We Do the Document Chasing For You
Paperwork is the number one reason cases stall. We make the filing experience painless and affordable by collecting what is needed for you.
Secure document gathering with Plaid
We can connect your accounts through Plaid so statements and transaction histories come over securely, without you digging through months of paperwork.
We help retrieve bank records and paystubs
If records are missing, our team helps you request bank records, paystubs, and income documentation from your bank or employer so nothing holds up your case.
Painless, affordable, attorney-reviewed
Powered by bankruptcy.ai, our intake technology organizes your documents while our attorneys review every file and remain responsible for your representation.
Start Today for $0 Down
$0 Down to Start, With Payment Plans That Fit Your Budget
Cost should not be the reason you stay stuck. We make getting started simple, affordable, and almost entirely paperwork-free.
$0 Down to Get Started
You do not need money saved up to begin. We start your case with nothing down, so protection can begin now instead of months from now.
Affordable Payment Plans
Fees are spread into flat, predictable monthly payments built around what your budget can actually handle. No surprises, no hourly billing.
We Make the Process Easy
Our bankruptcy.ai-powered intake gathers your documents for you, most meetings happen by phone or video, and your attorney handles the rest.
Book Your Free Consultation
Anyone can book directly on our calendars — no cost and no obligation. Pick the office that is most convenient for you and choose a time that fits your schedule.
Testimonials
What People are Saying
“These guys (and gals) are awesome.”
"Always super responsive, very friendly - and you can tell they genuinely care. My process was (shockingly) pain-free, which speaks volumes. I seriously can't say enough good things!"
Jesse K.
“Majors Law Group was great!”
"Anytime we had a question or needed help throughout the process, they responded quickly and with up to date information. They made the process very seamless and easy! Thank you! "
Mitch Loar
“Dom and his crew are absolutely amazing.”
"They were always there every step of the way. Will always recommend their services to anyone in need."
Justin Lewis
“Majors law group is the very best!”
"Not only are they always willing to answer any little or big questions you may have the staff is very knowledgeable and professional . I appreciate every single one of you . Thank you so much ! I definitely do recommend them to everyone in need."
Julia Gutierrez