EMERGENCY: (718) 484-7510
MCA Bulldog — breaking debt chains

Emergency MCA Defense — We Fight Back

Stop MCA Companies From Draining Your Business.

Daily ACH withdrawals. Frozen bank accounts. Lawsuits. We stop it — fast.

Free consultation — same-day response for urgent matters
1,000+ Cases Defended
Emergency Response
ACH Withdrawals Stopped
Bank Accounts Unfrozen
MCA Defense Nationwide
Sound Familiar?

Is This Happening to You?

Daily ACH Withdrawals
Money pulled from your account every day — no warning, no control, no end in sight.
Get Help Now ›
Frozen Bank Account
Your account is restrained overnight. Payroll fails. Business grinds to a halt.
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MCA Lawsuit Filed
Sued in New York courts even though your business is in another state — often with no warning.
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Bank Levy & Garnishment
A marshal shows up. Assets seized. Accounts emptied. Emergency relief is available.
Get Help Now ›
Usher Law Group, P.C.

The Bulldogs of
MCA Defense

Usher Law Group, P.C. represents businesses nationwide against predatory Merchant Cash Advance funders. We move fast, fight aggressively, and build strategies designed to stop the damage now.

Stop unlawful ACH withdrawals fast
Challenge usurious and fraudulent MCA agreements
Fight bank levies and frozen accounts
Defend lawsuits in NY and nationwide
Over a decade of experience Free consultation Same-day response Commercial litigation specialists
Don't Let MCA Lenders Bully Your Business
MCA Bulldog — breaking debt chains
Get an Emergency Case Review Free, Confidential — We Respond Same Day

Fill out the form below and a member of the Usher Law Group team will contact you to build your strategic MCA defense plan. Over a decade of commercial litigation experience — we know how to stop MCA companies cold.

Are you currently being sued or facing legal action?

By submitting you agree to be contacted by Usher Law Group, P.C. This does not create an attorney-client relationship. Attorney Advertising. Prior results do not guarantee a similar outcome.

Defense Areas

How We Attack Your MCA Case

Every angle. Every defense. Click any card to learn more.

01

MCA Lawsuit Defense

Sued by an MCA company? We put them on defense from day one.

When an MCA funder files a lawsuit, most attorneys file a bare-bones answer and wait. We don't. From day one we challenge the contract's enforceability, attack jurisdiction, and assert affirmative defenses that shift the pressure back onto the funder.

Our approach: full contract analysis to determine if the MCA was a true sale of receivables or an illegal usurious loan; motions to dismiss for lack of personal jurisdiction or improper venue; counterclaims for fraud, misrepresentation, and predatory lending; and aggressive discovery to expose the funder's underwriting abuses.
▼ Click to learn more
02

Bank Restraints & Levies

Frozen account destroying your business? We move for emergency relief — fast.

When an MCA funder marshals your bank account, they can freeze every dollar — payroll, overhead, everything. Your business can collapse in 48 hours.

We file emergency motions to release the restraint, challenge the underlying judgment, and notify the bank directly. In true emergencies we pursue same-day TRO applications to restore your cash flow while the defense proceeds.
▼ Click to learn more
03

Usury & Fraud Claims

Most MCA agreements are disguised usurious loans. We prove it.

MCA funders claim their agreements are "true sales of future receivables" — not loans — to avoid usury laws. Courts increasingly disagree. We analyze every MCA contract for:

Effective APR (often 100–400%) • Fixed daily payments (evidence of loan structure) • Absolute repayment obligationMisrepresentations made during origination

A successful usury challenge can void the entire agreement and stop all collection.
▼ Click to learn more
04

Emergency TRO / OSC Strategy

Court orders to stop MCA enforcement before more damage is done.

When you're facing immediate harm — frozen accounts, imminent garnishment, ongoing ACH withdrawals — we file for emergency court relief:

Temporary Restraining Order (TRO): Stops enforcement immediately while the court hears arguments.

Order to Show Cause (OSC): Forces the MCA funder to come to court and justify their actions.

Speed is everything here. We move the same day we're retained in true emergencies.
▼ Click to learn more
05

Contract Invalidity Defense

Attack the contract itself — many MCA agreements don't hold up under scrutiny.

Beyond usury, MCA contracts can be attacked on multiple grounds:

Unconscionability — terms so one-sided no reasonable party would agree • Fraud in the inducement — misrepresentations made to get you to sign • Lack of consideration — procedural defects in contract formation • Violation of state lending lawsStatute of limitations — older agreements may be time-barred

Our contract analysis is the backbone of every defense strategy we build.
▼ Click to learn more
06

Nationwide MCA Litigation

Sued in NY even though you're in another state? We handle it — no travel required.

MCA funders almost universally use New York forum selection clauses — meaning businesses in any state get sued in New York courts. Most business owners don't know they can defend themselves without traveling.

We appear in all NY state and federal courts on your behalf. Licensed in NJ, FL, PA, and multiple federal circuits. Local counsel available nationwide.

Courts where we're admitted: NY State Courts • EDNY • SDNY • NDNY • D.N.J. • S.D. Fla. • M.D. Fla. • E.D. Pa. • 1st, 2nd & 3rd Circuit Courts of Appeal
▼ Click to learn more
Time Is Not on Your Side

MCA Companies Move Fast.
So Do We.

From the moment you miss a payment or an MCA company decides to act, they move aggressively. Every day of delay makes your situation harder to defend and more expensive to resolve.

The moment we're retained, we begin building your defense. We don't wait for them to come to you.

01 MCA funder files a lawsuit or obtains a judgment — often without adequate notice to you.
02 Funder serves a restraining notice on your bank — your account is frozen overnight.
03 Daily ACH withdrawals continue — dollars leaving your account every single day.
04 Payroll fails. Suppliers go unpaid. Business begins to collapse in days, not months.
Get an Emergency Case Review
Emergency consultations available 24/7 — free & confidential

The Real Cost of Delay

48hrs
Average time for a funder to freeze your bank account after filing
100%+
Effective APR on many MCA agreements — often legally unenforceable
1K+
MCA defense cases handled by Usher Law Group attorneys
24/7
Emergency response — we answer when it matters
Why Usher Law Group

Built for Business Survival

Not a general practice. Not a jack-of-all-trades firm. MCA defense specialists who understand every move funders make — and how to counter them.

01

Emergency Mindset

MCA attacks don't wait for Monday morning. When your bank account is frozen or a marshal shows up, you need attorneys who move immediately — not a firm that returns calls in 48 hours.

  • Same-day emergency motions to unfreeze accounts
  • TRO and preliminary injunction filings when needed
  • Direct attorney access — not a paralegal intake queue
  • Ready to appear in court within 24 hours of retention
02

MCA-Specific Expertise

We've seen every funder tactic, every misleading contract clause, and every procedural abuse. We know where the weaknesses are — because we've exploited them hundreds of times.

  • Motions to dismiss for lack of personal jurisdiction
  • True-sale vs. loan analysis — exposing disguised usury
  • Reconciliation clause enforcement & waiver arguments
  • Discovery into funder's predatory underwriting practices
03

We Attack, Not Just Defend

A purely defensive posture hands funders the leverage. We flip the script — filing counterclaims, exposing fraud, and making the litigation cost more for them than it's worth.

  • Counterclaims for fraud, misrepresentation & usury
  • Affirmative defenses that force disclosure & depositions
  • Disciplinary complaints against abusive funder counsel
  • Settlement pressure built from offensive legal posture
04

Nationwide Court Access

MCA funders file in New York to catch out-of-state businesses off guard. We're already there — licensed and admitted, with no need for costly referrals or co-counsel delays.

  • NY, NJ, FL & PA state courts — admitted and active
  • EDNY · SDNY · NDNY · D.N.J. · S.D. Fla. · E.D. Pa.
  • 1st, 2nd & 3rd Circuit Courts of Appeals
  • Local counsel network for all remaining jurisdictions
05

Strategic, Not Reactive

Every case begins with a full contract analysis and litigation roadmap — not a form answer. We identify your strongest defenses before the first filing and build from there.

  • APR calculation to establish usurious loan character
  • Pre-answer motion practice to narrow the case early
  • Settlement leverage strategy — most cases resolve favorably
  • Appeal-ready briefing if the trial court gets it wrong
06

Built for Business Owners

You're running a business under attack. You don't have time for vague updates and unreturned calls. We communicate plainly, move fast, and keep you informed at every step.

  • Plain-English case updates — no attorney-speak
  • Flat-fee and flexible payment structures available
  • You deal directly with your attorney, not a case manager
  • Free initial consultation — no obligation
The Defense Team

Meet the Bulldogs

Litigators. Negotiators. Problem solvers. When MCA companies come for your business, we fight back.

MU

Mikhail Usher, Esq.

Senior Partner

Litigation attorney with over a decade defending businesses against predatory MCA lenders, bank levies, garnishments, and unlawful ACH seizures. Recognized for aggressive, strategic representation nationwide.

Bar AdmissionsNY · NJ · FL · EDNY · SDNY · NDNY · D.N.J. · S.D. Fla. · M.D. Fla.
1st, 2nd & 3rd Circuit Courts of Appeal
AS

Alexander Susi, Esq.

Senior Associate

Multi-jurisdictional litigator handling MCA defense, habeas matters, and commercial appeals across NY, NJ, PA, and federal courts. Strategic, methodical, relentless.

Bar AdmissionsNY · NJ · PA · EDNY · SDNY · D.N.J. · E.D. Pa.
2nd Circuit Court of Appeals
MB

Mitchell Bromberg, Esq.

Associate

Trial attorney focused on MCA defense, commercial litigation, and complex business disputes. Tenacious in court and at the negotiating table. Doesn't settle under pressure.

Bar AdmissionsNY · NJ · EDNY · SDNY · D.N.J.
Usher Law Group, P.C. — MCA Defense

Before They Squeeze
Your Business Further —
Fight Back.

Every hour you wait gives the MCA company more leverage. One call can change the entire posture of your case.

Free consultation. Available 24/7. Attorney Advertising.