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Latest Articles
How to negotiate lower credit card interest rates
A simple 15-minute phone call could save you hundreds of dollars in interest. Here's exactly what to say to your issuer.
S&P 500 hits new all-time high amid tech sector rally
Major indexes closed at record highs on Tuesday, driven by stronger-than-expected earnings reports from major tech companies.
Mortgage rates dip below 6% for first time in two years
Prospective homebuyers got a boost this week as average 30-year fixed mortgage rates dropped to their lowest point since early 2024.
The best travel rewards cards for summer vacations
Planning a trip? These cards offer the highest sign-up bonuses and most flexible redemption options for your upcoming travels.
Understanding index funds vs. ETFs: Which is right for you?
Both offer diversified, low-cost ways to invest in the market. We break down the key differences to help you choose.
5 automated saving strategies to build wealth faster
Taking the decision-making out of saving is the most effective way to grow your net worth over time.
How to Legally Break a Merchant Cash Advance Contract
The contract is not the obstacle. The obstacle is the assumption that the contract is what it claims to be.
How to Negotiate a Settlement on a Merchant Cash Advance
The settlement is always less than what they tell you it will be. Understanding the leverage points changes everything.
I Can't Afford My Daily MCA Payments: What Are My Options?
You have options. That sentence is worth more than everything that follows, but the specifics matter.
Merchant Cash Advance Default: Your Legal Rights and Options
The default has already occurred. What remains is whether the instrument that produced it was lawful in the first place.
Fighting Unlawful MCA Debt Collection Practices and Harassment
The collection call is not a negotiation. It is a performance of authority designed to collapse the distance between a demand and a concession.
Responding to Threats and Intimidation From MCA Companies
The threat is the product. The entire commercial apparatus is built not on the advance of capital but on the recovery of it.
Using Bankruptcy to Eliminate Merchant Cash Advance Debt
Bankruptcy does not merely pause merchant cash advance obligations. It eliminates them.
Getting an MCA Confession of Judgement Thrown Out in Court
The confession of judgment is not permanent. It presents itself as an inevitability, but courts are increasingly willing to vacate them.
Negotiating an Early MCA Payoff Discount to Save Money
The discount exists before you ask for it. Every funder has calculated the cost of collection against the likelihood of full repayment.
Suing Your MCA Company: Building a Strong Legal Case
The MCA agreement on your desk is not what it claims to be. That is the premise on which affirmative litigation proceeds.
Reporting MCA Scams, Fraud & Predatory Lending to Authorities
The complaint is the mechanism. When 18,000 small business owners file reports, regulators respond.
What Constitutes MCA Provider Fraud and Misrepresentation
Fraud is not the exception in the merchant cash advance industry. It is the recurring condition.
What to Do if You Were Misled Into a Merchant Cash Advance
You were told it was not a loan. That distinction, repeated by the broker, printed in the first paragraph, is the foundation of your claim.
The Merchant Cash Advance Cooling Off Period: Fact or Fiction?
There is no federal cooling off period for merchant cash advances. Not three days, not five days, not any days.
Unwinding an MCA When Your Business is Failing or Closing
The business is not going to recover. The owner has known this for some time. What matters now is the exit strategy.
What to Do if Your MCA Company Goes Out of Business
The obligation does not dissolve with the obligee. A funder ceases operations, but the debt finds a new owner.
What to Do if Your MCA Funds Were Mishandled or Misused
The money was supposed to arrive in the operating account. It did not arrive in full, or it arrived and was immediately redirected.