Expert insights on divorce law, custody, and family legal matters from NYC's most experienced attorneys.
It’s 1am and you just bounced the second pull The person on the other end of that 855 number? They’re the most nervous party in…
The Tuesday-morning debit that doesn’t bounce You already called your bank. They told you to place a stop payment. You paid the $30, the debit…
Switching banks won’t stop them. Here is what will. Switching banks won’t stop them. That advice is all over Reddit and it’s wrong, or at…
Lede and triage routing You already know what factor rate you signed. You did the math. The total payback number was painful but not a…
The fraud word does not mean what you think it means The word “fraud” in that letter is not what you think it is. It’s…
The phone call goes to the wrong desk Subject: Reconciliation Request for Merchant Cash Advance Agreement Copy that subject line. By the end of this,…
Cold Open Your MCA funder put a reconciliation clause in your contract on purpose. And they’re hoping you never ask about it. The clause is…
Switching banks will not stop your MCA. You should probably do it anyway. The daily ACH debit requires two things: a routing number and your…
Why bouncing one payment shrinks every move you have, and how to use current status as leverage before it expires The math, and why this…
Your MCA funder is going to pull from your account in the next day or two and you don’t have enough to cover it. Before…
What “payment pause” actually means in MCA-land MCA funders don’t want to sue you. That sounds wrong after the collections call. Lawsuits are expensive, judgments…
The default notice is not the end of the option The reconciliation clause in your MCA contract was not written for you. Funder lawyers put…
Lede and TL;DR You have $4,200 in the account and three funders expecting their pull tomorrow morning. Together they add up to $9,800. You already…
Before you pick up the phone The word “forbearance” is almost certainly not in your MCA contract. I’ve read a lot of them. When you…
It’s 1am and you just bounced the second pull The person on the other end of that 855 number? They’re the most nervous party in…
Switching banks will not stop your MCA. You should probably do it anyway. The daily ACH debit requires two things: a routing number and your…
Before you call them back, answer one question The worst thing you can do right now is call them back. Not because you’re in serious…
TL;DR: What to do before you close this tab It’s 10:45pm. You’re sitting in your truck in a parking lot, not going inside yet, because…
The honest answer is: there is no answer. There are actually three different things that count as “default” in a typical MCA contract, and they…
The literal question, the real question You probably can’t reopen your bank account. That’s the good news. Spending weeks lobbying the same bank that already…