Still making your MCA payments?

MCA Debt Relief Before You Default

If your MCA payments are current but cash flow is getting tight, you can ask for help before default. Apple Debt Relief contacts creditors to negotiate payment arrangements based on your business cash flow. We do not require pre-default clients to stop paying lenders or build funds in escrow. Request a free case review to discuss your options.

No upfront enrollment fees
No required stop-payment or escrow strategy
You approve settlement offers
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For business MCA obligations
Still paying your MCA funders?

You Do Not Have to Stop Paying to Ask for Help

We negotiate with your creditors around what your business can afford after payroll, vendors and essential expenses. You can start while payments are current, without stopping payments or building an escrow balance. ADR never collects weekly deposits.
No required stop-payment strategy
No escrow fund to build first
Direct communication with creditors
Payment proposals based on business cash flow
REQUEST A FREE CASE REVIEW
Don't wait until the point of no return
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Your approval. Our performance.

Performance-Based Fees. Offers You Approve.

Our fee is performance based: we earn it only when we meaningfully improve your outcome. You approve every offer, and there is no upfront enrollment fee. If proposed terms are not enough, we help prepare the business for default with our attorney and asset-protection planning. Your agreement explains when our fee becomes due and any separate legal costs.

No upfront enrollment fees
Performance fee tied to improvement
You approve every settlement offer
REQUEST A FREE CASE REVIEWCALL US NOW
500+ business owners

Before your case review

MCA Debt Relief Questions

Do I have to stop paying my MCA funders to work with ADR?

No. We do not require pre-default clients to stop paying.

We contact your creditors to negotiate payment arrangements based on your business cash flow. Existing payment terms remain in effect until the creditor agrees to a change.

Will ADR hold my money in escrow?

No. We never collect weekly deposits or hold money in escrow.

You approve each settlement offer, and agreed settlement payments go directly to your creditors.

What does MCA debt relief cost?

No upfront enrollment fees, with a performance fee tied to meaningful improvement.

We earn our performance fee only when we meaningfully improve your outcome. Your agreement explains how the fee is calculated, when it becomes due and any separate legal costs.

How quickly can my MCA payments change?

Timing depends on your agreements, cash flow and creditor participation.

We start creditor discussions without waiting for you to build an escrow balance. Turnaround depends on the creditor and how quickly we receive your agreements and cash-flow records. We bring you proposed terms for approval as soon as they are available.

What if I have already been served with an MCA lawsuit?

Tell us when you contact us and have the papers available.

We provide our New York-licensed attorneys to file Answers within 48 hours and handle the legal response while we negotiate. Send your summons, complaint and any service records promptly so our attorney can address the response deadline.

What should I prepare for a free MCA case review?

Bring your agreements, estimated balances and current payment amounts.

A list of funders, daily or weekly payments, essential business expenses and any legal notices helps make the discussion specific. Do not put bank account numbers or sensitive documents in a general website message. ADR focuses on business MCA obligations rather than personal credit cards or Apple Card debt.