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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