Compare 17 MCA settlement companies in 2026

We did not verify a case-specific quotation. Ask which procedure is proposed, how all fees are calculated and who is responsible for them. Do not apply Canadian consumer-insolvency pricing assumptions to a corporate or U.S. MCA case.

Spergel: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

• Spergel business and self-employed services

  Company materials distinguish personal liabilities and incorporated-business needs. These descriptions do not establish U.S. MCA coverage.

• Spergel named team profiles

  Company lists named Licensed Insolvency Trustees. This update did not independently verify each individual’s current licence in the government register.

• BBB Canada profile

  Checked September 12, 2026: A+ accredited; accreditation May 27, 2021; business start June 25, 1985. This corrects the prior claim that BBB was not applicable.

• Trustpilot profile

  Checked September 12, 2026: displayed score 4.9 from 2,599 reviews. It is separate from our editorial score and does not isolate MCA-specific outcomes.

BDI's disclosure says the initial assessment is free and program fees vary with debt size, lender mix and the chosen approach. Terms are discussed before signing. Attorney representation requires a separate engagement and separate legal fees. No complete program price schedule, cancellation charge or refund formula was found in the disclosure and website terms reviewed.

Business Debt Insider: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

• Company service descriptions

  Company identifies GRL Recovery LLC and advertises flat fees and restructuring. These are company statements, not an outcome audit.

• Company disclosure

  Describes variable program fees, separate attorney engagements and fees, and no guaranteed result. Checked September 12, 2026.

Second Wind's FAQ says it sets a flat, fixed scope-of-work fee before engagement and structures payment over time. The reviewed FAQ does not publish a dollar amount or establish which consulting, creditor-negotiation, Article 9, attorney or third-party costs are included. Request an itemized written scope, payment schedule, cancellation terms and any separate professional fees.

Second Wind Consultants: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

• Second Wind: service overview

  Company descriptions of restructuring, turnaround and management consulting; not independent proof of outcomes.

• BBB business profile

  A+ and accredited; BBB lists a 2009 business start and January 24, 2014 accreditation.

• Rise Alliance formation announcement

  Company announcement describes the combination with Polaris Business Advisors that formed Rise Alliance.

Business Debt Law Group advertises a free case evaluation. No itemized fee schedule was found on the homepage, attorney roster or FAQ reviewed in this check. Obtain a written engagement covering negotiation, litigation, expenses, billing milestones and termination. Do not assume either hourly or flat-rate billing without a proposal.

Business Debt Law Group: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

• Firm services and attorney information

  Company descriptions, not independent verification of credentials or outcomes.

• About the firm

  Describes negotiation, settlement, restructuring and litigation options. This contradicts the previous litigation-only characterization.

• BBB business profile

  BBB lists A+, no accreditation, a February 18, 1998 business start and the alternate name Rumore Jocelyn Serra PLLC. Checked September 12, 2026; complaint and customer-review totals were not verified.

A complete fee schedule was not established by the homepage reviewed. The previous no-upfront-fee assertion is not verified. Request total charges, cancellation terms and any arrangements for holding client funds.

Regroup Partners: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

• Company website and service descriptions

  Company descriptions of restructuring, cash-flow advisory and creditor coordination. Experience and testimonial claims are promotional, not audited results.

• BBB business profile

  A+; not accredited. Checked September 14, 2026. Accreditation and grades are distinct from customer-review averages and are not guarantees of outcomes.

The fee FAQ directs customers to a free consultation rather than publishing a full schedule. Obtain total program costs, cancellation rules and any separate attorney costs.

National Credit Partners: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

• Company website and service descriptions

  Homepage FAQ directs applicants to a consultation for pricing and says programs may vary by state. Marketing claims are not independently audited results.

• BBB business profile

  A+; accredited. Checked September 14, 2026. Accreditation and grades are distinct from customer-review averages and are not guarantees of outcomes.

Eastern says its service charges are included in a restructured payment, but its public How It Works page does not give an itemized fee schedule or a case-specific quote. Request the creditor payment, provider and legal charges, total amount paid, payment dates, and cancellation terms separately. The page's $45,000 MCA illustration is marketing material, not an independently verified typical result.

Eastern Financial Partners: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

• Eastern: services and payment explanation

  Company description; staffing and outcomes were not independently verified.

• BBB business profile

  Not Rated and not accredited on September 11, 2026. BBB says previously closed complaints are being addressed.

• BBB complaint chronology

  Three complaints listed. June 25, 2026: alleged payments without subsequent communication. January 12, 2026: disputed refund. Both listed as unanswered. An August 2025 calling complaint includes a response saying the caller was disciplined and the number added to a do-not-call list. These are allegations and responses, not court findings.

Rise advertises a free consultation. Its business-debt-resolution FAQ says consulting costs depend on project scope, without an itemized price schedule on that page. Ask for a written breakdown of restructuring, consulting and legal charges, payment milestones and cancellation terms. Neither a signed engagement nor a standard refund policy was verified in this check.

Rise Alliance: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

• Rise Alliance: services and relationship

  Company describes business debt resolution and states that it is part of Second Wind Consultants. Promotional results are not verified typical outcomes.

• Formation announcement

  Second Wind describes the combination with Polaris Business Advisors that formed Rise Alliance.

The previously stated 15–20% fee and universal no-fee-until-settlement terms were not adequately substantiated in this audit. Ask for the exact fee basis, trigger, cancellation provisions and separate legal costs.

Delancey Street: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

• Company website and service descriptions

  Homepage markets MCA, SBA and stacked-debt services. Its settlement volumes, testimonials and response-time claims are not verified typical outcomes.

• BBB business profile

  Not Rated; not accredited. Checked September 14, 2026. Accreditation and grades are distinct from customer-review averages and are not guarantees of outcomes.

Get a written quote for the actual debts accepted. Consumer-program fee ranges should not be assumed to apply to an MCA, business debt or a separate legal engagement.

National Debt Relief: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

• Company website and service descriptions

  Company homepage describes unsecured-debt relief. Review-platform totals and advertised customer outcomes were not independently audited.

• BBB business profile

  A+; accredited. Checked September 14, 2026. Accreditation and grades are distinct from customer-review averages and are not guarantees of outcomes.

• Company business-debt resource

  Discusses business credit cards and some unsecured business loans or lines of credit. It does not establish eligibility for every MCA contract.

No universal price was verified. In one BBB response, CRA describes a 10% retainer and 20% service fee. That case-specific account is not a quote for other clients; request the full fee, payment-allocation and cancellation schedule.

Corporate Rescue Advisors: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

• Company website and service descriptions

  Homepage describes an MCA program and says negotiations may begin around the 60% point. This is a company statement, not evidence of actual case timing.

• BBB business profile

  Checked October 11, 2026: A-; not accredited. BBB cites operating history as its rating reason and lists a May 16, 2025 business start.

• BBB complaints and company responses

  Checked October 11, 2026: five complaints in three years, five closed in twelve months; four Answered and one Resolved. These statuses are distinct, and allegations are not findings.

We did not verify a complete current fee schedule or signed client agreement. Ask for all fees, their triggers and cancellation terms, including charges if a creditor is paid through another route. Individual complaint allegations are not a universal fee schedule.

Corporate Turnaround: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

• Corporate Turnaround service overview

  Company describes budget-based negotiation involving vendors, credit cards, leases and loans. These are service claims, not independently audited outcomes.

• BBB business profile

  Checked September 12, 2026: A rated, not accredited; business start March 1, 1998. BBB identifies Commercial Credit Counseling Services, Inc. as an alternate name.

• BBB complaint record and responses

  Checked September 12, 2026: 13 complaints in three years; 2 closed in twelve months. A May 7, 2025 complaint disputes fees following garnishment. The company disputed the amount and reported continued communication; the consumer rejected its response. BBB marks it Answered. Allegations and responses are not court findings, and counts do not establish a failure rate.

The homepage advertises a free consultation but does not establish the full program cost. Request an itemized agreement, payment allocation and cancellation terms.

Business Debt Adjusters: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

• Company website and service descriptions

  Homepage describes a free consultation, underwriting and negotiation, with variable results. Selected customer stories do not establish typical outcomes.

• BBB business profile

  A-; not accredited. Checked September 14, 2026. Accreditation and grades are distinct from customer-review averages and are not guarantees of outcomes.

The FAQ describes an enrollment fee plus a service fee related to savings. No dollar amount or percentage is specified there. Verify refund eligibility and all legal charges in the engagement.

Stop MCA: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

• Company website and service descriptions

  FAQ discloses an enrollment fee, savings-related service fee, 2–25 month estimate and that Stop MCA is not a law firm.

• BBB business profile

  Operating entity Business Debt Adjusters: A-; not accredited. Checked September 14, 2026. This record concerns Business Debt Adjusters, the entity named in Stop MCA’s privacy policy.

• Stop MCA privacy policy

  Identifies Business Debt Adjusters, LLC. This supports disclosing the brand relationship, not assuming identical contracts.

The homepage offers a free consultation but does not establish a complete fee schedule. Ask how payments are split between fees and creditors and what is refundable.

MCA Debt Advisors: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

• Company website and service descriptions

  Company describes creditor contact and revised payment structures. Its displayed testimonial aggregate was not independently checked against a review platform.

• BBB business profile

  F; not accredited. Checked September 14, 2026. Rating reasons cite 25 complaints and seven unanswered; counts can change and are not a failure rate.

The current destination did not establish a complete fee schedule in the homepage reviewed. Existing clients should consult their signed MCA Resolve agreement; new applicants should confirm the entity and all charges.

MCA Resolve: numerical editorial ratings are not published because the category assessments have not been independently substantiated. Read the dated sources and service limitations. Placement is editorial, not a measured success rate.

• Company website and service descriptions

  Opening mcaresolve.com redirected to debtrespro.com on September 14, 2026. The destination markets MCA resolution; legal succession was not established.

• BBB business profile

  B; not accredited. Checked September 14, 2026. Rating reasons cite 23 complaints for MCA Resolve LLC; this is not a record for every business using the destination brand.

• Current website destination

  Markets services as DebtResolvePro. A domain redirect alone does not establish a transfer of contractual obligations.