Credible Law

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A confession of judgment is a pre-signed authorization that lets the MCA company obtain a court judgment against you without advance notice or a hearing. COJs are especially common in agreements governed by New York law, though multiple states have enacted legislation restricting or prohibiting them. If a COJ has been entered against you, an MCA defense attorney will typically review whether proper procedures were followed, whether the underlying agreement supports the amount claimed, and whether grounds exist to vacate or stay the judgment. Procedural defenses, including defective service of the affidavit, jurisdictional issues, and mathematical errors in the amount claimed, are often the fastest path to relief. Substantive defenses, such as fraud in the inducement or material misrepresentation, may also apply depending on the facts.

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