At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
About Business Debt Law Group
Business Debt Law Group is an attorney-based firm that specializes in MCA defense and business debt resolution — combining legal representation with debt negotiation under one roof. Founded in 2017 in New York, the firm was created specifically to address the gap between negotiation-only debt relief companies and general practice attorneys who lack MCA-specific expertise. The key advantage of an attorney-led firm is legal leverage. When Business Debt Law Group contacts an MCA funder, the funder knows they are dealing with lawyers who can and will file motions, challenge contract enforceability, contest confessions of judgment, and pursue counterclaims for usury or fraud where applicable. That legal backdrop changes the negotiation dynamic entirely. Funders who ignore or stonewall non-attorney negotiators tend to respond more seriously when licensed attorneys are on the other side. The firm handles MCA defense, business debt litigation, UCC lien disputes, confession of judgment vacatur, and general business debt negotiation. Their attorneys are licensed in New York and work with local counsel in other states as needed. They require a minimum of $30,000 in qualifying debt. Fee structures vary — some cases are handled on a contingency or performance basis (typically 22-30% of enrolled debt), while litigation matters may require retainer arrangements. The firm has resolved over $200 million in business debt and MCA obligations since launch.
Key Features
Attorney-Powered Negotiation
Every negotiation is backed by licensed attorneys who can escalate to litigation if a funder refuses to negotiate in good faith.
Confession of Judgment Defense
Experienced in vacating confessions of judgment — the legal mechanism MCA funders use to freeze bank accounts and seize assets without a trial.
Contract Challenge Strategies
Reviews MCA contracts for unenforceable terms, usury violations, and fraudulent inducement that can be leveraged to void or reduce obligations.
Integrated Negotiation + Litigation
Handles both settlement negotiation and courtroom defense under one engagement — no need to hire separate firms when things escalate.
How It Works
Legal Consultation
An attorney reviews your MCA contracts, business debts, and any pending legal actions to assess your legal position and options.
Contract Analysis
Attorneys examine each MCA agreement for unenforceable clauses, usury issues, and terms that can be challenged in court or leveraged in negotiation.
Legal Demand Letters
Attorney-signed demand letters are sent to funders and creditors, establishing legal representation and opening formal negotiations.
Negotiation or Litigation
Debts are resolved through negotiated settlements where possible. If a funder refuses to negotiate, attorneys escalate to court filings, motions, and active litigation.
Resolution & Lien Release
All debts resolved. UCC liens released. Confessions of judgment vacated. Business operations restored.
What They Do
- MCA Defense
- Business Debt Litigation
- Confession of Judgment Vacatur
- UCC Lien Disputes
- Business Debt Settlement
- Contract Enforceability Challenges
Debt Types They Take On
- Merchant Cash Advances
- Business Term Loans
- Business Lines of Credit
- Equipment Financing
- Revenue-Based Financing
- Factoring Agreements
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
Confession of Judgment Vacated and MCA Settled
A business owner in New York had a confession of judgment filed against him by an MCA funder for \$95,000. His bank account was frozen and assets were at risk. Business Debt Law Group filed an emergency motion to vacate the COJ, arguing the MCA was effectively a usurious loan under New York's commercial finance disclosure requirements.
Multi-Funder MCA Defense with Litigation Threat
A construction company owed \$320,000 across four MCA funders. Two funders were threatening litigation. Business Debt Law Group sent legal demand letters to all four funders, filed a preemptive declaratory judgment action against the most aggressive funder, and negotiated the remaining three.
Pros & Cons
Pros
- Attorney-led approach provides genuine legal leverage that non-lawyer debt negotiation firms simply cannot offer — funders negotiate differently when lawyers are involved
- Confession of judgment defense expertise is critical for business owners in New York and other COJ states where funders can freeze accounts without a trial
- Integrated negotiation and litigation means you never need to switch firms when a case escalates from negotiation to courtroom
- BBB A rating is among the highest for any business debt firm, attorney-based or otherwise
- Contract challenge strategies can void or reduce MCA obligations on legal grounds, producing outcomes negotiation alone cannot achieve
Cons
- Fees are higher than non-attorney firms — 22-30% for settlements plus potential retainer costs for litigation matters can add up quickly
- \$30,000 minimum excludes smaller MCA balances; some non-attorney firms accept cases starting at \$20,000
- Primary licenses are in New York — cases in other states require local counsel coordination which can add time and complexity
- Litigation is effective but slow and expensive; if your case goes to court, expect months of legal process on top of attorney fees
- The legal approach may be overkill for simple MCA settlements where a negotiation-only firm would resolve the matter faster and cheaper
User Reviews (15)
they vacated my COJ in 3 weeks
An MCA funder filed a confession of judgment and froze my business bank account. \$95k. I was dead in the water. BDLG filed an emergency motion and had the COJ vacated in three weeks. Then they settled the MCA for 40 cents on the dollar. No other type of company could have done what they did.
great results but expensive
The results were excellent — \$150k in MCA debt settled for \$60k. But between the 26% settlement fee and the \$10k litigation retainer, total fees were about \$49k. Net savings of \$41k on \$150k. Worth it? Yes. But expensive. A non-lawyer firm might have been cheaper if the funders were willing to negotiate without legal pressure.
the legal letters changed everything
I used a regular debt company first for 3 months. Funder ignored them completely. BDLG sent one attorney demand letter and the funder called back within 48 hours to negotiate. That's the difference a law firm makes. Funders don't ignore attorneys the way they ignore non-lawyer negotiators.
fee structure is complicated
Some debts were billed at a settlement percentage. One required a separate retainer for litigation. Another had a hybrid arrangement. It was hard to predict my total costs upfront. BDLG should simplify their pricing or at least provide clearer estimates during the consultation.
contract had usury issues they found
BDLG's attorney reviewed my MCA contract and found that the effective rate constituted usury under NY law when recharacterized as a loan. They used that as leverage and the funder settled at 35% to avoid a court fight. Saved me \$78,000. A negotiation firm would never have found that legal angle.
local counsel adds complexity outside NY
I'm in California. BDLG had to coordinate with a CA attorney for the court filings. Added about 3 weeks to the timeline and there were some communication hiccups between the two firms. If you're in NY, this isn't an issue. Outside NY, ask about their local counsel network upfront.
worth every penny
Yes they're more expensive than non-lawyer firms. I paid 28% of enrolled debt plus a \$7,500 retainer for the litigation component. But they resolved \$210k in MCA debt for \$84k. Even after all fees I saved over \$80k net. The legal expertise paid for itself many times over.
good but not \$50k better than alternatives
Total fees approached \$50k on a \$200k case. Settlements were aggressive at 60% reduction. But I keep wondering if a \$20k negotiation firm could have gotten 50% reduction. Is the extra 10% worth \$30k more in fees? Depends on your situation but it's worth asking.
they filed a counterclaim and the funder folded
Funder was suing me for \$65k. BDLG filed a counterclaim alleging fraudulent inducement based on the broker's misrepresentations during the MCA origination. Funder's lawyer called the next week to settle. They don't want their lending practices examined in open court.
legal approach was overkill for my case
Had a \$35k MCA with a cooperative funder. BDLG settled it at 45% which was good but a non-attorney firm probably would have gotten similar results at a lower fee. The legal firepower is most valuable when funders are aggressive. For simple cases, you might be overpaying for expertise you don't need.
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Important Business Debt Disclaimers
- Business debt negotiation and MCA defense services do not guarantee any specific outcome. Creditors and MCA funders are not required to negotiate, reduce balances, or modify repayment terms.
- Enrolling in a business debt relief program may result in continued collection actions, lawsuits, UCC lien enforcement, and bank account levies. No company can guarantee protection from legal action by creditors or MCA funders.
- If you stop making payments to creditors or MCA funders while enrolled in a debt resolution program, your business credit profile may be negatively affected. Late payments, defaults, and charge-offs may be reported to business credit bureaus.
- Business debt settlement fees typically range from 15% to 30% of the enrolled debt amount. Attorney-based programs may charge additional legal fees. Understand all fee structures before enrolling in any program.
- Merchant cash advances are not loans and may not be subject to state usury laws or federal lending regulations. Legal strategies for MCA defense vary significantly by state and depend on the specific contract terms.
- Forgiven or canceled business debt may be considered taxable income by the IRS. Consult a tax professional about potential tax consequences before enrolling in any debt settlement program.
- Zogby does not provide business debt relief, MCA defense, or legal services. We are an independent comparison service. We do not negotiate with creditors on your behalf or manage debt settlement accounts.
This page is informational, not financial or legal advice. Talk to a qualified professional before making any big money decisions.
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