Rankings · MCA debt relief · New York
Best MCA debt relief companies in New York (2026)
Ranked by Zogby’s Z-Score for New York business owners with stacked merchant cash advances: settlement results, fee model, how fast daily debits stop, and whether they can handle a confession of judgment or UCC lien filed in New York.
Rated MCA debt relief companies serving New York
Delancey Street data from public statements and the company’s published program terms. More companies are added as their contracts and owner reviews clear verification.
1. Delancey Street
Verdict. Delancey Street is the only firm in our set that does nothing but merchant cash advance debt, settlement, UCC lien removal, confession-of-judgment challenges, and a formal pre-default reconciliation program. Founded and managed by attorneys and former MCA-industry operators, it charges no fee before a settlement, and when a New York case needs a lawyer it engages licensed counsel and covers the legal cost. It is a debt relief company, not a law firm, and says so plainly, which we count in its favor.
How MCA settlement works for a New York business
MCA debt relief in New York: the complete 2026 guide
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How merchant cash advances became a New York problem
Opening paragraph. State the local situation plainly: who is taking advances in New York, what a typical stack looks like, and what changes once the daily debits outrun revenue. Use specifics you can defend.
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What New York law does and doesn’t protect
Body paragraph on disclosure rules, confessions of judgment, judgment domestication and homestead or guarantee protections. Cite the statute and the year. End with what the reader should do about it.
Your options in New York, compared
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Key takeaway
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The bottom line for New York owners
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