❓ Frequently Asked Questions

MCA (Merchant Cash Advance) debt settlement is the process of negotiating with your lenders to resolve your outstanding balances in a way that fits your business’s financial situation. At Liberty Advisory, we offer several resolution strategies, including:

• Reconciliations to clarify and correct what’s actually owed,

• Revenue-sensitive titrated payment plans that adjust based on your business’s cash flow, and

• Reduced lump-sum payoffs Certain cases allow you to settle for less than the full balance.  Our goal is to relieve immediate financial pressure and help you move forward without resorting to bankruptcy.

Chapter 11 bankruptcy is a court-supervised reorganization process that often requires attorney fees, court costs, and ongoing legal compliance. It can be public and time-consuming.

In contrast, MCA debt settlement is a private negotiation process handled outside of court. It typically takes less time, avoids public disclosure, and helps you resolve debts without the long-term damage of a bankruptcy filing.

Settlement is often faster, more affordable, and less disruptive to your business than Chapter 11. Bankruptcy can damage your credit for years, tie up your operations in legal red tape, and impact vendor and customer confidence. MCA settlement allows you to reduce debt without shutting down your business, helping you stay operational and move forward.

Yes. MCA debt is urgent and time-sensitive — and delays can mean frozen accounts, lawsuits, or business interruption. Liberty Advisory streamlines the entire negotiation process. We take over communication with lenders, protect your assets, and work quickly to achieve the best possible outcome — so you can focus on running your business.

In most cases, MCA debt settlement may impact your business credit in the short term. However, by resolving unmanageable debt and avoiding defaults or bankruptcy, you can begin to rebuild your credit profile sooner. Liberty Advisory works with you to find a solution that balances debt relief with long-term financial health.

Yes, many MCA lenders use aggressive collection tactics, including daily account withdrawals, UCC liens, lawsuits, and threats of default. That’s why it's critical to act quickly. Liberty Advisory steps in to communicate with these lenders, assert your rights, and negotiate fair resolutions.

We specialize exclusively in MCA debt, which requires a unique strategy different from traditional debt settlement. Our team understands how MCA contracts work, knows lender behavior, and has negotiated hundreds of settlements. We offer direct, transparent communication and customized solutions that fit your business needs.

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We offer a free consultation to review your situation and explain your options. If you choose to move forward, our fee structure is clear and fair — often based on the savings we help you achieve. There are no hidden costs or long-term contracts.

Not necessarily — but ignoring the problem can escalate the situation. Liberty Advisory helps you avoid worst-case outcomes like lawsuits, account freezes, or forced collections. Our goal is to help you keep your business open, reduce your debt burden, and avoid bankruptcy.