Documented resolution
- Claimed amount
- $17,704.25
- Agreed settlement
- $5,000
- Court response filed
- April 8, 2026
- Settlement filed
- April 10, 2026
View the redacted documentA New York MCA lawsuit sought $17,704.25, plus interest and costs. The parties agreed to resolve the dispute for $5,000. The redacted settlement agreement and its accompanying court-document list show the terms and the filings behind the result.
This is the case behind Apple Debt Relief’s 71% debt reduction in two days example. The record shows an appearance and verified answer filed on April 8, 2026, followed by the settlement stipulation filed on April 10. Below is a closer look at the claim, the legal response and what the written agreement required.
The claim and the agreed resolution
The case was brought by YMT Funding LLC in Monroe County Supreme Court in New York. The agreement describes an alleged contract breach and a claim for $17,704.25, plus statutory interest from August 8, 2025, costs and attorneys’ fees.
The agreed creditor settlement was $5,000. Comparing that figure with the stated claim amount produces a $12,704.25 difference, before considering the additional amounts sought or any service and legal costs. The settlement was made without an admission of liability.
Read the redacted settlement agreement and court-document list. The client’s identifying information is redacted in the published source.
The court-response and settlement timeline
The document list included with the agreement records these filings:
- March 8, 2026: the summons and verified complaint, merchant agreement exhibit and electronic-filing authorization were filed.
- April 8, 2026: a limited-scope notice of appearance, verified answer, demand for a bill of particulars, discovery demand and UCC-lien demand were filed.
- April 10, 2026: the settlement stipulation was filed with the court.
The agreement itself is dated April 8. The response and settlement filings therefore appear two days apart on the document list. The source The business could resolve the claim through installments rather than finding the full $5,000 at once.This case shows how a court response and creditor negotiation can work together. Our attorney filed a verified answer while ADR negotiated the settlement, addressing the lawsuit and the business’s payment obligations at the same time.Apple Debt Relief reviews your MCA agreements, balances, cash flow and legal notices. We negotiate around what your business can afford and provide our attorney to handle court filings and legal issues. You approve any settlement offer before accepting it.records court activity; it does not supply the date of the first client call or a receipt showing every settlement payment was completed.
What the written terms required
The agreement provided for a $5,000 total through $500 ACH installments, with a stated commencement date of April 23, 2026. It also addressed receivables releases, further legal action, dismissal or satisfaction of judgment, and the consequences of missing a settlement payment.
- Receivables and legal action: upon execution, the creditor agreed to issue legal and lien releases to previously served accounts receivable and refrain from further legal action in accordance with the agreement.
- Dismissal or satisfaction: the agreement made the filing of the dismissal or satisfaction document conditional on complete payment and delivery of the executed agreement.
- Settlement default: missing a required payment beyond the stated three-day period could permit enforcement for the complaint amount, less payments made, plus the specified interest and costs.
The business could resolve the claim through $500 installments rather than finding the full $5,000 at once.
Why this case matters for an owner facing a lawsuit
This case shows how a court response and creditor negotiation can work together. Our attorney filed a verified answer while ADR negotiated the settlement, addressing the lawsuit and the business’s payment obligations at the same time.
For a business owner, the useful questions are practical: what must be filed, what the business can pay, whether collections will pause, when receivables restrictions will be released and what happens if a new payment is missed. The settlement amount is one part of that review.
If you have received court papers, start with our guide for owners served with an MCA lawsuit in New York. It explains the records to gather and why counsel should confirm the response deadline while negotiations continue.
How ADR approaches a case review
Apple Debt Relief reviews your MCA agreements, balances, cash flow and legal notices. We negotiate around what your business can afford and provide our attorney to handle court filings and legal issues.
You remain in control of the settlement: we bring you an offer, and you decide whether to accept it.
For merchants still making payments, ADR does not require stopping creditor payments or building an escrow fund to begin pre-default negotiations. Our fee is performance based and earned when we meaningfully improve the outcome under the engagement terms; separate legal costs may apply. Learn about ADR’s company and service approach.
Results vary with the creditor, contract, cash flow and legal position.
Choose the next step for your situation
- Still paying: see our pre-default MCA payment approach.
- Behind on payments: read our merchant cash advance default guide for collections, records and options.
- Comparing providers: use our MCA debt relief options comparison to evaluate payments, fees and legal support.
To review your own agreements, payment obligations or court papers, request a free case review. Bring the notices and payment history so the discussion can address your actual situation.
