Know your enemy. MCA collectors fall into distinct types, each requiring different tactical responses.
Type 1: The Professional Servicer
They follow rules. Document everything, negotiate professionally. They will settle reasonably if you have leverage.
Type 2: The Legal Intimidator
All threats, no action. Call their bluff. Demand they communicate through your attorney. They rarely sue.
Type 3: The Customer Terrorist
Contacts your customers to damage your business. This is tortious interference. File for immediate restraining order and sue for damages.
Type 4: The Paper Pusher
Debt buyer with incomplete files. Demand complete validation. Challenge their standing. They often cant prove they own the debt.
Type 5: The ACH Vampire
Drains your account automatically. Revoke ACH authorization in writing to your bank AND them. Open new account they dont know about.
Type 6: The Offshore Ghost
Operates from overseas, cant actually sue you effectively. Ignore them. They have no real leverage.
Type 7: The COJ Executioner
Has confession of judgment. Most dangerous. File to vacate the judgment immediately. Many COJs have defects that make them unenforceable.
Counter-tactics for all types: Document everything. Never admit the debt. Demand validation. Identify violations. Engage counsel. Never pay without releases.
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