Clear Path Lawyers represents business owners buried in merchant cash advance debt. We step between you and the funders, restructure what you owe, and defend you when they sue.
Most merchants we meet have more than one advance. We take over all of them, so the calls, the emails and the threats come to us instead of you.
We negotiate with each funder to reduce balances, lower payments or stretch terms into something your cash flow can carry.
When funders sue, we defend. We challenge improper filings, confessions of judgment and contracts that may be loans in disguise.
We act fast to challenge bank freezes and levies and negotiate releases so payroll and suppliers get paid.
Funders send lien notices to your customers to divert payments. We push back and work to protect your receivables.
We read every agreement for reconciliation rights, personal guarantees, usury issues and terms that give you leverage.
Several funders at once? We take them all on together so one deal does not unravel the others.
Tell us who you owe, how much and what is happening. An attorney reviews your situation confidentially.
We examine every agreement for weaknesses, improper terms and defenses you may not know you have.
Funders deal with us, not you. We negotiate restructured payments or settlements built around your real cash flow.
If a funder sues or freezes accounts, we fight it in court while we work toward a final resolution.
MCA funders lend to businesses with steady card or deposit revenue, then take a cut every business day. We represent owners in every industry that relies on that cash flow.
Every Clear Path Lawyers matter is supervised by a licensed attorney from start to finish. You will never get legal advice from a salesperson.
Avinoam Rosenfeld is a New York attorney with more than two decades of legal experience. Admitted to practice in New York in 2001 and a graduate of Brooklyn Law School, he has built his career representing homeowners and borrowers in foreclosure-related litigation and debt matters.
Over his career, Mr. Rosenfeld has appeared in New York state court matters involving mortgage foreclosure, appellate litigation, and disputes affecting borrowers — substantial experience navigating complex litigation for clients facing serious financial challenges.
That same focus anchors Clear Path Lawyers. The problems business owners face with merchant cash advances — aggressive collection tactics, confessions of judgment, frozen accounts, and funders who refuse to negotiate fairly — sit squarely within his experience protecting borrowers.
An MCA is usually structured as a purchase of your future receivables rather than a loan. That structure is how many funders avoid lending laws. Whether your agreement really is a sale or a disguised loan depends on its terms, and that question can change your options.
Contact us right away. Account freezes and levies often follow a judgment or a UCC lien notice. We review how the funder obtained it and move quickly to challenge it or negotiate a release so you can keep operating.
Not necessarily. Confessions of judgment have been restricted in some states, and a judgment obtained on one can sometimes be challenged. We review the document, where it was filed and how it was entered.
Our goal is to replace unaffordable debits with a payment you can actually sustain. How we get there depends on your contracts, the funders involved and your cash flow. We explain the options and risks before you decide.
Never make that decision without advice. Stopping payments can trigger default provisions, liens and lawsuits. We look at your full situation first and tell you what each path means for your business.
Your first case review is free. After that we explain our fee structure in writing before any work begins, so there are no surprises.
Tell us what you owe and who you owe it to. An attorney will review your situation and call you back, usually the same business day.
An attorney will reach out shortly. If a funder has frozen your account or served you with a lawsuit, call us now at [PHONE].