CALIFORNIA BUSINESS DEBT REORGANIZATION ATTORNEY

Is a Merchant Cash Advance Draining Your Business Every Day?

Q: Can I keep paying myself during the process?

Yes, it's actually required that the owner continues to receive pay during reorganization, and if pay was previously reduced, it can be increased.

Q: How fast can the daily withdrawals stop?

Once a case is filed, creditors, including MCA lenders, are legally required to stop collection actions.

Q: Does my business qualify for MCA debt relief?

Businesses with total debt under $3,424,000 in aggregate noncontingent, liquidated secured and unsecured debts (excluding debts owed to affiliates or insiders) that are generating enough income to cover core operating expenses are generally well-positioned for a successful reorganization. A free consultation will confirm specific eligibility.

Daily withdrawals. Stacked advances. Threats from lenders. There is a legal way to reduce or eliminate merchant cash advance debt in California — and most business owners never find out it exists.

⭐⭐⭐⭐⭐ 4.9/5 — 186 Google Reviews | Serving Business Owners Statewide in California

You're Not Alone — And You're Not Out of Options.

If your business has taken on a merchant cash advance, you already know what it feels like:

Most business owners in this position believe they have two choices: keep paying until the business collapses, or close the doors entirely.

There is a third option — and it’s the one most people never hear about.

The Law Most Merchant Cash Advance Lenders Hope You Never Learn About

The Small Business Reorganization Act (SBRA) — also known as Chapter 11, Subchapter V — is a legal framework built specifically for small and medium-sized businesses carrying debt they can no longer sustain.

Unlike traditional bankruptcy, the SBRA is faster, more affordable, and designed to let your business keep operating while it restructures.

Here’s what the SBRA can do for a business carrying MCA debt:

Most MCA lenders never disclose that this option exists. That’s not an accident.

One of the Few True Specialists on SBRA in the Country

Attorney Steven E. Cowen has over 34 years of experience and has successfully handled thousands of bankruptcy and debt reorganization cases. He is one of a small number of attorneys nationwide who specialize specifically in using the Small Business Reorganization Act to help businesses eliminate merchant cash advance and other crushing debt.

Steven has seen firsthand the damage MCA debt does to otherwise healthy businesses — and has built his practice around giving California business owners a real path back to stability.

“Most business owners don’t know this law exists until it’s almost too late. The earlier you act, the more options you have.”
— Steven E. Cowen, Esq.

What to Expect

Free Consultation

We review your situation and give you a clear, honest answer: can your business successfully reorganize? Free consultations are conducted via Zoom.

Initial Analysis

A detailed evaluation showing exactly how much MCA and other debt could be eliminated, what secured creditors would be paid, and the income needed to fund the reorganization.

Filing

Once you decide to move forward, we file your case. Creditors are notified, the legal protections take effect, and the daily withdrawals must stop.

Trusted by Business Owners Across California

⭐⭐⭐⭐⭐ 4.9 out of 5 — 186 Google Reviews

Common Questions About MCA Debt Relief

Can a merchant cash advance really be eliminated through bankruptcy?

Yes. Under the Small Business Reorganization Act, MCA debt can often be significantly reduced or fully eliminated, depending on your business’s specific financial situation.

Will I lose control of my business?

No. One of the core benefits of the SBRA is that business owners remain in control of operations throughout the reorganization process.

Can I keep paying myself during the process?

Yes — it’s actually required that the owner continues to receive pay during reorganization, and if your pay was previously reduced, it can be increased.

How fast can the daily withdrawals stop?

Once a case is filed, creditors — including MCA lenders — are legally required to stop collection actions.

Does my business qualify?

Businesses with total debt under $3,424,000 in aggregate noncontingent, liquidated secured and unsecured debts (excluding debts owed to affiliates or insiders) that are generating enough income to cover core operating expenses are generally well-positioned for a successful reorganization. A free consultation will confirm your specific eligibility

Don't Wait for Your Lenders to Take Action. Take Action First.

The businesses that recover fastest from MCA debt are the ones that act before the situation becomes a crisis. Every day you wait is another day of withdrawals, stress, and shrinking options.

Call (619) 202-7511 or fill out the form below — a member of our team will respond promptly.

Merchant Cash Advance Debt Relief California