Steven Cowen

Written by Steven E. Cowen, Esq. Attorney, Debt Solution Law Group | State Bar of California #132988 | Full attorney bio → UCC Liens and Blanket Liens: What an MCA Company Can (and Can’t) Actually Take From Your Business Many merchant cash advance agreements include a UCC-1 filing — often called a “blanket lien” — […]

Written by Steven E. Cowen, Esq. Attorney, Debt Solution Law Group | State Bar of California #132988 | Full attorney bio → What Actually Happens When You Default on a Merchant Cash Advance Missing a merchant cash advance payment is stressful, and MCA companies are often aggressive about collection — but the actual legal process

Written by Steven E. Cowen, Esq. Attorney, Debt Solution Law Group | State Bar of California #132988 | Full attorney bio → Is Your Merchant Cash Advance Actually a Loan in Disguise? Merchant cash advance companies structure their agreements as a “sale” of future receivables, not a loan — a distinction that matters because loans

Written by Steven E. Cowen, Esq.Attorney, Debt Solution Law Group | State Bar of California #132988 | Full attorney bio → If two, three, or more merchant cash advance companies are all pulling daily or weekly payments from the same business bank account, you’re dealing with what’s known in the industry as MCA stacking —

Written by Steven E. Cowen, Esq.Attorney, Debt Solution Law Group | State Bar of California #132988 | Full attorney bio → If your merchant cash advance withdrawal hit your account today and there wasn’t enough money to cover it, you’re not alone — and you’re not out of options. Thousands of California business owners find

Written by Steven E. Cowen, Esq.Attorney, Debt Solution Law Group | State Bar of California #132988 | Full attorney bio → If you’ve taken out a second, third, or fourth merchant cash advance just to keep up with payments on the first one, you’re dealing with what’s known as “stacking” — and it’s one of