Your exact question is probably here.
Twenty-four questions owners actually ask about merchant cash advance debt, answered first and hedged honestly. If yours is missing, ask a person: the call is free.
Four groups. Jump to yours.
- Your debt and your accounts.
Missed drafts, frozen accounts, the fixed daily amount, UCC filings, the personal guarantee, New York courts.
- The risks, answered straight.
Stopping payments, lawsuits during talks, credit, collection calls, funders who refuse, a possible tax bill, how long it takes.
- Us, and what we charge.
How this differs from other programs, scam tells, our fees, whether we are a law firm, who works your case, where the money sits.
- Getting started.
The free first call, what to have ready, what you have to decide, already served, and working across state lines.
What the contract can actually do to you.
What happens after I miss a merchant cash advance payment?
Most contracts define default broadly, then move fast: default fees, acceleration of the full balance, UCC lien notices to your processor or customers, and in many cases a lawsuit. The stages are predictable, which means each one can be prepared for. The earlier you understand your position, the more options you typically have. The full timeline is in our guide to what happens in an MCA default.
Can a funder freeze my business bank account?
In many states, yes, once the funder holds a judgment: a restraining notice or similar post-judgment process served on your bank can freeze the account with no warning. A freeze is a mechanism with rules, not magic, and what can be done about it depends on where the judgment stands. If it just happened, understanding your position quickly matters, and an entered judgment is a matter for a licensed attorney in your state.
Why is my daily draft fixed when my contract talks about a percentage of sales?
Because most funders pull a fixed daily or weekly amount estimated from your past revenue. Most contracts also contain a reconciliation clause that lets you request an adjustment when actual revenue falls, and funders rarely volunteer it. California's financial regulator has advised that MCA payments may be lowered when revenue drops. Source: California Department of Business Oversight (now the DFPI) advisory, April 2020. How to invoke yours.
What does a UCC filing let a funder do to my business?
A UCC-1 is a public lien on your business assets and receivables, usually filed the day you signed. It does not transfer ownership of anything. After a default, the funder can send notices that redirect money from your processor, marketplaces, or even your customers. Liens are typically released with a UCC-3 termination once a balance is resolved, and someone has to file it. Plain-English lien help.
Does my personal guarantee put my house or savings at risk?
It can. Nearly all MCA agreements include a personal guarantee, and many are triggered by contract breaches such as blocking the ACH, not just by business failure. After a judgment, personal accounts can be exposed, and what can reach a home depends on state law. What your guarantee actually says matters, so reading it is one of the first things a position review does. Questions about your specific assets belong with a licensed attorney.
Can I be sued in New York when my business is in another state?
In many cases, yes. Most MCA contracts contain a forum selection clause choosing New York or another funder-friendly venue, and courts routinely honor them. Ignoring an out-of-state summons is what creates default judgments. If you have been served anywhere, deadlines are short, and a licensed attorney in your state can tell you what applies. What New York's rules mean for an out-of-state business.
The risks, answered straight.
Seven answers other firms would rather you did not read before signing. Every one of them ends the same way: nothing here is a promise, and a decision is yours to make after hearing the risk, never before.
Should I stop paying my MCA?
Not on anyone's say-so, including ours. Stopping payments can trigger default, acceleration, frozen accounts, and lawsuits, and a firm that tells you to stop paying without explaining that is showing you a red flag. Sometimes a strategy accepts those risks with open eyes, after they have been explained in plain writing. That is a decision you make after hearing them, never before.
Will I get sued while my balances are being renegotiated?
You can be. Renegotiation does not pause a funder's contract or legal rights, and some funders sue while talks are underway. We will never pretend otherwise. This is education, not legal advice: if you are sued, a licensed attorney in your state is the right person for the lawsuit itself, and we will say so. What to do if an MCA company sues.
Will debt relief affect my business or personal credit?
It can. A renegotiated business debt can affect business credit profiles, and where a personal guarantee is involved, personal credit can be affected too. Anyone who tells you debt relief will not affect your credit is not being straight with you. The honest comparison is against where the debt is already taking you, and that depends on your situation.
Do the collection calls continue while you work with my funders?
They can, especially early. Until a written agreement is reached, funders and their collectors keep the rights their contracts give them. In many cases contact quiets down as talks progress, but nothing requires a funder to pause. Results vary. No outcome is guaranteed. What we control is keeping you informed at every stage.
What if a funder refuses to negotiate at all?
It happens. Nothing requires any funder to negotiate, and we say that plainly. Many funders would rather resolve a balance than chase a collapsing business through the courts, but a refusal is always possible. Results vary. No outcome is guaranteed. If talks stall, we tell you early and lay out the alternatives honestly, including the ones we do not sell.
Could a reduced balance create a tax bill?
It can have tax consequences, and this is a question for a qualified tax professional, not for us. Forgiven debt is sometimes treated as income, and the treatment depends on your entity type and circumstances. We flag the question during planning so it never surprises you, and we encourage you to ask a tax adviser before any balance is finalized.
How long does MCA debt relief take?
MCA debt relief has no fixed timeline: how long it takes varies by funder and position. A stack of several advances means several funders, each with its own contract, its own draft schedule, and its own willingness to negotiate, and each one responds on its own clock. The free position review gives you an honest read on your own positions, but no firm can promise a date, because nothing requires a funder to negotiate. See how the process works, step by step. Results vary. No outcome is guaranteed.
The record behind the answers.
Nothing on this page rests on our say-so. The risks above are documented in court filings, regulator actions, and investigative reporting, and the same record is why funders negotiate at all.
Every statistic on this site carries its source in the same breath, and industry outcome figures are never presented as ours. If a number here looks wrong or out of date, tell us and it changes on the page. Our editorial standards.
Sources as stated per row. Ranges stay ranges. Nothing requires a funder to negotiate. Results vary. No outcome is guaranteed.
Judge us by the same list you would judge anyone by.
How is this different from other debt programs?
Most firms in this industry sell one of two things under many names. Negotiating a balance down to a reduced payoff is what the industry calls debt settlement; renegotiating the schedule without necessarily reducing the balance is restructuring. Anchor Resolve does both, depending on what your funders agree to and what your deposits support, with every term in writing before money moves and our fees disclosed before any agreement. We say debt relief because the outcome is decided case by case and cannot be promised.
How do I tell a legitimate debt relief firm from a scam?
By behavior, not badges. Legitimate firms put every fee in writing before you sign, explain the risks including lawsuits, and never pressure you. The scam patterns are documented in Better Business Bureau complaint records, 2025 to 2026: upfront fees, stop-paying advice with no risk warning, and client money that never reaches a funder. Judge every firm, including us, by the first list.
What does Anchor Resolve charge?
The consultation is free, and so is the review of your positions. Anchor Resolve charges a fee for its services, and every fee is set out in the program documents you review and sign before any work begins. There is no separate fee agreement, and there is no fee that was not in the documents you signed. We do not publish a fee schedule here because every case is scoped individually.
Is Anchor Resolve a law firm?
No. Anchor Resolve is not a law firm and does not provide legal advice. We renegotiate and restructure business debt, and we explain legal concepts in plain English as education. When a situation needs a licensed attorney, such as an active lawsuit or an entered judgment, we say so and encourage you to speak with independent counsel in your state.
Who actually works on my case?
A real person whose name you will know, not a rotating call center script. Anchor Resolve shows no invented team and no stock photos. Our About page describes the roles involved and the standards we hold.
Where does the money for a negotiated payoff sit?
In a dedicated account opened in your name and under your control, never in our operating accounts. Money moves only under a written agreement you have approved. Federal rules for consumer debt relief allow a dedicated account only if the customer owns the funds and can withdraw them at any time without penalty, and that is the standard we hold ourselves to even though business debt sits largely outside that rule.
The first call, and what it does and does not commit you to.
About 30 minutes, free, with a real person. It ends with options, not paperwork.
What happens on the free first call?
About 30 minutes on the phone with a real person. You describe what is happening, we ask about your advances, your revenue, and anything that has already escalated, and you leave knowing whether we think we can help and what your options are. It costs nothing and commits you to nothing.
What should I have ready before I call?
Nothing is required. If it is easy to grab, a rough list of your advances and a note of anything that has already happened, like a bounced draft or a lien letter, helps us give you sharper answers. Contracts and bank statements matter later, at the review stage, not on the first call.
Do I have to decide anything on the first call?
No. The consultation ends with options, not paperwork. There are no deadlines on our side, and no one will chase you with a countdown. If a real clock exists in your situation, like a freeze or a court deadline, we will name it, because that clock is yours, not ours.
Can you help if I have already been served?
Yes, in many cases. A UCC lien or a judgment does not put your business outside what we do. A lawsuit runs on court deadlines that do not move for negotiations, and only a licensed attorney in your state can file an answer or appear in court, so if you have been served, talk to one now. We say that in the first call rather than after a fee, and we can still work your positions while a licensed attorney handles what belongs in court.
Can you work with a business in another state?
Anchor Resolve works with small business owners across the United States, and most of the process runs by phone, text, and email. A daily or weekly draft reads the same in every state, and most MCA contracts already name an out-of-state forum. State rules for debt relief services vary, so services are offered only where we may lawfully provide them, which we confirm on the first call. We will never claim to be licensed or available somewhere we are not; see our Disclosures.
Last reviewed:
The fastest answer is a conversation.
Free consultation. Fees explained in writing before any agreement.
Keeping your business afloat starts with one call.
Still reading? Every MCA term is defined in plain English in our glossary and guides.