Stop MCA Payments – Free Consultation
Daily ACH Crushing Cash Flow?
When MCA Payments Are Bleeding Your Business Dry
BDA negotiates with merchant cash advance lenders to pause, reduce, or restructure daily debits. Talk to a debt strategist for free.
Speak with a StrategistIndependent debt-relief negotiator. Not a lender. Not a law firm.
Three Paths to Reduce Daily Debits
The right path depends on lender, balance, and how long you’ve been paying.
Hardship Modification
Some lenders will reduce daily debits if you can document hardship. BDA prepares the case and handles negotiation.
Negotiated Settlement
Where appropriate, debt is settled at a discount in exchange for a structured payoff. Daily debits stop once settlement terms are signed.
Legal Coordination
If lender intransigence requires it, BDA coordinates representation with attorneys at our partner network for ACH-revocation strategy.
Free 30-Minute Consultation
A debt strategist reviews your daily-debit situation and explains realistic options.
Frequently Asked Questions
Can BDA stop my MCA daily debits today?
No. Stopping a daily ACH on the same day requires either a negotiated pause from the lender (which takes time to arrange), a bank-level ACH revocation (which the borrower initiates with their bank), or a court order. BDA cannot promise a same-day stop. The consultation explains realistic timing for the path that fits your situation.
Can I just call my bank and stop the ACH?
You can revoke ACH authorization through your bank, but that does not eliminate the underlying debt. Lenders may declare the MCA in breach, file suit (including a confession of judgment if one was signed), or escalate collections. ACH revocation should be coordinated with a settlement strategy, not used as a standalone solution. BDA walks through the trade-offs in the consultation.
What if a lawsuit or COJ has already been filed?
Consult a qualified attorney in your jurisdiction immediately - time-sensitive response deadlines apply. BDA is not a law firm. We coordinate with attorneys through our partner network at Delancey Street when legal representation is needed. The consultation determines whether your situation requires legal counsel before negotiation can begin.
How quickly can negotiations begin?
Once engaged, BDA opens files with named lenders within 5 to 10 business days. Initial outreach to the lender follows. The lender’s response time varies - some engage within two weeks, others require formal escalation that can take 30 to 60 days. The consultation gives you a realistic timeline based on the specific lenders in your case.
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