MCA Defense Playbook: A Practical Guide for Merchants, Pro Se Defendants, and Attorneys
This guide condenses years of MCA litigation experience into a practical roadmap you can utilize.
Inside, you’ll find:
- Plain-English explanations of how MCAs structure their contracts to look like “receivables purchases” while operating like high-interest loans.
- Common red flags and patterns we’ve seen across multiple funders and states.
- Checklists for:
- What to gather before speaking with an attorney or trustee,
- Questions to ask any “MCA defense” firm or debt consolidation company,
- Categories of potential defenses and counterclaims to research with your counsel.
- Sample timelines and issue-spotting examples drawn from real-world cases (with identifying details removed).
This single toolkit can save:
- Pro se litigants thousands in unnecessary fees
- Attorneys dozens of hours of research
- Bankruptcy trustees valuable time identifying claims
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