National Debt Relief will not take your merchant cash advance debt for a few reasons. First, they only take credit cards, personal loans and medical bills. Second, your MCA is commercial debt secured by a UCC against your receivables, and the merchant cash advance company can take action against you within days. Third, MCA disputes often become lawsuits, and National Debt Relief can’t give you legal advice.
Do They Have a National Debt Relief MCA Program?
Based on National Debt Relief’s website, the answer is no. According to its FAQ page, the program “applies only to enrolled credit cards, personal loans, and medical bills,” and not to mortgages, car loans or other debts. They do have a business debt relief page, but it only discusses business credit cards, and it states that “not all debts are eligible for enrollment.” It never mentions merchant cash advances.
Some competitors’ websites say National Debt Relief reviews MCA debt case by case, but its own website does not support that. Ask them and get it in writing.
So, Why Will Consumer Debt Relief Companies Not Take My Merchant Cash Advance Debt?
There are several reasons.
Your MCA Is Commercial Debt Secured by a UCC
Article 9 of the UCC applies to any transaction that creates a security interest, regardless of form, and specifically covers sales of accounts. The buyer of the accounts (e.g., credit card receivables) is the “secured party” and you are the “debtor” under UCC 9-102. Whether or not the MCA is structured as a true sale, the merchant cash advance company has an Article 9 interest in your receivables, which is why it filed a UCC-1 against you. As Freedom Debt Relief’s FAQ puts it, unfortunately, it “cannot help with secured debt, which is a debt that involves collateral.”
The FTC’s Telemarketing Sales Rule, which defines a debt relief service in terms of debts owed to “unsecured creditors or debt collectors.” That rule bars upfront fees, but it does not apply to sales made to businesses under 16 C.F.R. 310.6(b)(7). Consumer firms also now have to register with the California DFPI (effective February 15, 2025), but that registration only covers consumer non-mortgage debt. Finally, the federal Fair Debt Collection Practices Act defines “debt” as a debt “primarily for personal, family, or household purposes,” so the FDCPA’s requirements don’t apply to merchant cash advance companies.
The MCA Company Can Take Action Against You Quickly
Consumer programs have you stop making payments and save money in a separate account for later settlements. According to the CFPB, your creditor can then sue you. National Debt Relief states that its process takes 24 to 48 months. In contrast, your MCA company can take action against you at any time. Under UCC 9-406, they can notify your customers that they can only discharge their obligation to you by paying the merchant cash advance company. Many MCA contracts also contain a confession of judgment. A June 2026 New York Attorney General lawsuit against Rapid Ruling says approximately 3,000 MCA arbitrations were brought using that service, and 97% of the businesses never appeared.
MCA Disputes Often Turn into Lawsuits
National Debt Relief does not provide “tax, bankruptcy, accounting or legal advice.” That matters when the funder sues you or your LLC. In New York, under CPLR 321(a), a corporation must be represented by an attorney in court. And although the Supreme Court of Ohio held in Watkins that a non-lawyer could negotiate a business debt, the non-lawyer could only serve as a “messenger” and could not employ legal tactics. Yet it often takes legal tactics, such as vacating a confession of judgment, to get leverage against an MCA company.
Which Debts Will a Consumer Relief Firm Actually Take?
Consumer programs generally take personal unsecured debt, not secured debt or debt from commercial funders.
| Type of Debt | Enrolled in a consumer program? | Notes |
|---|
| Personal Credit Card Debt | Yes | On National Debt Relief’s enrolled list. |
| Personal Loan Debt | Yes | On the enrolled list. |
| Medical Bills | Yes | On the enrolled list. |
| Business Credit Card Debt | Sometimes | The business page warns that not all debts are eligible for enrollment. |
| Mortgage or Car Loans | No | Excluded in National Debt Relief’s FAQ. |
| Merchant Cash Advance Debt | No | Not on the enrolled list, and the funder likely has a UCC interest in your receivables. |
A personal guaranty on the MCA still leaves it a secured commercial transaction.
What Are My Options for MCA Debt Relief?
You can take personal debt like credit cards or medical bills to a consumer program and take your MCA to a firm that deals with commercial funders. MCA options include asking the funder for a reconciliation if your contract allows it, working with a company that offers MCA debt relief, working with a lawyer experienced with MCA debt, or filing a Subchapter V bankruptcy if your debt is under the limit (since June 2024 it has been $3,424,000, but check with the U.S. Trustee Program to see if that has changed).
The New York AG also obtained a settlement with Yellowstone that canceled $534.5 million of debt for approximately 18,000 businesses. If you need MCA debt relief, read our article on how to choose an MCA debt relief company in 2026, and the 5 questions you should ask any company or lawyer to make sure they can defend you if the funder sues.
Frequently Asked Questions about MCA Debt and Consumer Debt Relief Programs
Will Freedom Debt Relief take my MCA debt?
Likely not. Freedom Debt Relief takes some business debt case by case, but its FAQ says it will not take secured debt, meaning debt where you gave collateral. The MCA funder has a UCC interest in your receivables.
Is MCA debt considered secured debt?
Yes. Article 9 of the Uniform Commercial Code covers the sale of receivables, and any funder that has bought your future sales is considered a secured party under the UCC. It has also likely filed a UCC-1 against your business.
Will National Debt Relief take my personal credit card debt?
Yes, along with personal loans and medical bills. Check your MCA contract to see if not paying your personal debt will cause a cross-default on your MCA, and make sure the savings deposits won’t drain the cash you need for daily remittances to your MCA funder.
Is it cheaper to use a consumer debt relief program to resolve my MCA debt?
Probably not. National Debt Relief reports savings of about 45% before fees and about 20% after. It can charge up to 25% of enrolled debt, so on a hypothetical $100,000 of debt, that fee would be $25,000 regardless of how much it saves you. Forgiven debt may also be taxable, so check with your CPA.