Resources

Debt defense guides

Plain-language explainers on deadlines, court process, judgments, MCA disputes, and your options in New York, New Jersey, and Pennsylvania.

I was suedSued for a Debt? How to Respond Before the DeadlineWhat a debt lawsuit means, the moves that protect you, and how a real law firm fights back in court.
Missing deadlinesWhat Happens If a Creditor Gets a Judgment Against You?What a judgment lets a creditor do, and the options that may still be open, even after one is entered.
Freezing of bank accountsCan a Creditor Freeze My Bank Account?Whether a creditor can freeze your account, the judgment that usually has to come first, and how to protect your funds.
Considering bankruptcyShould I Consider Bankruptcy If I'm Being Sued by a Creditor?Whether bankruptcy is the right answer to a creditor lawsuit: when it helps, and when defending or settling is the better move.
MCA contract reviewWhat to Look for in a Merchant Cash Advance Contract Before You SignThe one-sided MCA terms owners overlook: purchased amount, reconciliation, personal guarantee, UCC lien, default triggers, and venue.
UCC lien differencesUCC Lien vs. Judgment Lien in a Merchant Cash AdvanceHow a UCC-1 filing differs from a judgment lien, and what each may mean for your business, its financing, and its options.
Ignoring a lawsuitHow Does a Creditor Actually Get a Judgment?The three ways a creditor can obtain a judgment (default, summary judgment, and trial) and why a lawsuit doesn't mean they've already won.
Negotiating MCA debtHow to Negotiate Merchant Cash Advance DebtWhen MCA debt can be negotiated, the settlement options that may exist, and why acting early (before default or a lawsuit) preserves leverage.
Settlement or law firmDebt Settlement Company vs. Law Firm: What's the Difference?One negotiates debt; the other can defend you in court, file legal responses, and appear on your behalf, and why that difference matters most once you've been sued.