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Q: I received a notice of foreclosure. What should I do?

Time is critical. Contact us immediately so we can review the notice for compliance with Texas law, discuss your options for stopping or delaying the foreclosure , such as loss mitigation or bankruptcy, and explore potential legal defenses.

Q: What is a Qualified Written Request (QWR) and how can it help me with a mortgage problem?

A QWR is a formal written request to your mortgage servicer about errors or for information about your loan. Sending a QWR triggers the servicer's legal duty to respond and investigate your concerns, which can help resolve issues like misapplied payments or incorrect fees.

Q: How much does it cost to hire the J. Gannon Helstowski Law Firm for MCA Debt Defense?

We offer a consultation to discuss your case and our fee structure. Fees may vary depending on the complexity of your situation.

Q: What information will I need to provide to your firm for MCA Debt Defense?

Typically, we will need a copy of your Merchant Agreement, payment history, all communications with the MCA lender and collectors, and details about your business's financial situation.

Q: Should I continue making payments to the MCA lender if I hire your firm?

We will discuss the best course of action with you based on your specific situation. In some cases, continuing payments may be advisable, while in others, it may be better to conserve funds while we negotiate.

Q: Can an MCA lender just take money directly from my business bank account?

Many MCA agreements require ACH access. If you are in default, they may attempt to withdraw funds. We can advise you on strategies to protect your account, while also considering the potential legal ramifications.