Determined representation for business owners facing merchant cash advance collectors, frozen accounts, and aggressive debt litigation in Bayside, Queens, and beyond.
We defend business owners against predatory merchant cash advance lenders, challenging unfavorable repayment terms and aggressive collection efforts head on.
Learn moreWe defend business owners against predatory merchant cash advance lenders, challenging unfavorable repayment terms and aggressive collection efforts head on.
Learn moreWe challenge improperly filed UCC liens that freeze your business's ability to operate, borrow, or sell assets, and move to have them corrected or removed.
Learn moreWe move quickly to unfreeze levied accounts, pursuing emergency court relief so your business can meet payroll and keep running.
Learn moreWe represent business owners in court, whether defending against a collection lawsuit or initiating action to protect your business's interests.
Learn moreWe intervene when a writ of execution threatens to seize business property or equipment, working to stop the seizure before it happens.
Learn moreWe enforce your rights under federal and state consumer and business protection laws, pushing back against harassment and unlawful collection practices.
Learn moreMerchant cash advance companies and aggressive debt collectors count on business owners not knowing their rights. A confession of judgment signed months ago, a UCC lien filed without warning, or a bank levy that freezes your account overnight can put your entire business at risk. At Shim Law Group, P.C., we step in immediately, evaluate the lender's or collector's actual legal position, and push back with the same aggressiveness they used against you.
Our Bayside office represents business owners throughout Queens and the greater New York Metropolitan area against merchant cash advance lenders, judgment creditors, and debt collectors. We know how MCA agreements are structured to sidestep New York's usury laws, how UCC lien filings are used to pressure businesses into settling, and how quickly a levy or a writ of execution can move once a judgment is entered. That knowledge is what lets us act fast when your business cannot afford to wait.
Every collection matter is different, but our approach stays consistent: assess the threat immediately, challenge what is improper, and protect your ability to keep operating.
Merchant cash advances are often sold as a quick way to access capital, but many are structured with repayment terms and confessions of judgment that let the lender obtain a judgment against your business without you ever appearing in court. We review the agreement for usury violations, misrepresentation, and unenforceable terms, and we challenge judgments entered against you improperly. When a lender's collection tactics cross the line, we push back on your behalf.
A UCC lien filed against your business assets can block financing, scare off buyers, and freeze deals you are trying to close, and lenders sometimes file them improperly or refuse to release them after a debt is satisfied. We investigate whether the lien was properly filed and perfected, challenge liens that were not, and pursue termination of liens that should have been released. Your business should not stay hostage to a filing that no longer has a legal basis.
A bank levy can freeze your operating account overnight, leaving you unable to pay employees, vendors, or rent. We move immediately to determine whether the levy was properly obtained, identify any exempt funds, and pursue emergency court relief to unfreeze the account or negotiate its release. Every day an account stays frozen costs your business money, so we treat these matters as the emergencies they are.
Facing a frozen account or a collection lawsuit? Call (718) 878-1177When a merchant cash advance company or creditor files suit, defaulting or ignoring the lawsuit almost always ends in a judgment against you. We defend business owners in collection litigation, raising every available defense to the underlying debt and the way it was obtained. When your business is owed money and negotiation fails, we litigate to recover it. Either way, we prepare your case as though it is going to trial.
A writ of execution authorizes a sheriff or marshal to seize business property, equipment, or funds to satisfy a judgment, often with little advance warning. We intervene as soon as you receive notice, challenge writs based on defective judgments or improper service, and move for a stay or exemption where the law allows it. The goal is to stop the seizure before it happens, not to clean up after it.
Federal and state law places real limits on how a creditor or collector can pursue a debt, and those limits are routinely ignored. We represent business owners facing harassment, threats, misrepresentation, and other unlawful collection practices, and we hold collectors accountable when they cross the line. Knowing your rights is the first step, enforcing them is what actually stops the harassment.
Shim Law Group is a boutique firm by design. Your business is not handed off to a paralegal or a call center after you sign on. Founding attorney Shimun A. Ilyayev reviews your agreements and handles your matter personally, from the first phone call through negotiation or the courtroom.
We know that a frozen account or a pending judgment threatens everything you have built, and that lenders and collectors are counting on you not fighting back. We move quickly, we know the tactics MCA companies and collectors use, and we are not intimidated by aggressive opposing counsel.
Our debt collection defense attorneys are ready to review your situation and answer your questions. Contact us today at (718) 878-1177 or fill out our online form for free.
Yes, if the MCA lender has obtained a judgment against your business, often through a confession of judgment signed as part of the original agreement, it can levy your bank account without further warning. We move quickly to challenge improperly obtained judgments and to pursue emergency relief to unfreeze the account.
A UCC lien is a public filing that gives a lender a claim against specific business assets, and it can block your ability to obtain new financing or sell those assets. If the lien was filed improperly or the underlying debt has already been satisfied, we can pursue termination of the filing. If the lien is valid, we work toward a resolution that lets your business move forward.
New York law significantly restricted the use of confessions of judgment against out-of-state businesses in 2019, and confessions of judgment obtained through fraud, improper service, or other defects can be challenged. We review the underlying agreement and the judgment itself to determine whether it can be vacated.
Do not ignore it. Failing to respond within the required time typically results in a default judgment against you, which then opens the door to bank levies and writs of execution. Contact an attorney immediately so we can evaluate the claim, raise available defenses, and respond before the deadline passes.
Federal and state debt collection laws place strict limits on who a collector can contact and how, and contacting third parties to pressure payment or disclosing your debt to people not involved is often unlawful. We represent business owners facing this kind of harassment and hold collectors accountable when they violate the law.
Immediately. Once we understand how the levy was obtained, we can move for emergency court relief, and in many cases we are able to get the process moving the same day we are retained. A frozen account is treated as the emergency it is, not as a routine filing.
Shim Law Group is always looking to help those in need.
