Step 1: Gather Documents and Verify the Transaction
Start by building a complete file of your merchant cash advance paperwork. Include the contract, all addenda, the repayment schedule or payment terms, and every communication you received from the funding company. If you have account statements showing deposits and Infinity Business Alliance Lawsuit withdrawals, collect those too, because payment history often matters as much as the contract language. If you received any “true-up” figures, payoff statements, or adjusted remittance demands, keep copies of those records as well.
Next, confirm the structure of the transaction and how the funder characterized it. Merchant cash advances can be documented in ways that look like sales or purchase agreements, even when the economic reality is a loan. Review the amount funded versus what you were told you would owe, including any fees, factoring charges, or additional sums. If you’re a New Hampshire business, also note whether the agreement references particular governing law or dispute terms that could affect where and how a claim is pursued.
Step 2: Audit Payments for Accuracy and Consistency
Use your bank statements and remittance records to create a payment timeline from the first deposit onward. List each payment date, the amount taken, and the reason given for the deduction, then compare that against what the agreement promised. Many disputes Merchant Cash Advance New Hampshire arise when the effective repayment rate, the computation method, or the total collections do not align with the contract. If your remittances continued even after the contract’s trigger point was reached, document that gap carefully.
Also watch for signs of “stacking” charges, repeated fees, or changes in calculation midstream. For example, a funding company may apply additional assessments after the initial agreement or recalculate totals in a manner that increases your effective cost. If you received notices claiming a default or an updated balance, preserve them and note the date received. This audit can help identify whether the payments you made were lawful, accurately calculated, and consistent with the written terms.
Step 3: Identify Potential Legal Issues and Build Your Case
Not every dispute is a lawsuit, but most strong cases start with identifying specific legal problems. Common issues can include improper contract interpretation, misrepresentation of costs, or conduct that pressures merchants beyond what the agreement supports. In some matters, claims focus on whether the funding arrangement violated consumer-protection principles or other restrictions that can apply to business lending practices. Your attorney can help map the facts to the most relevant causes of action based on the documents you collected.
Create a list of the facts that matter most to your situation, written in plain language. Include what you were told before signing, what happened during repayment, and what changed after you raised concerns. If you have emails, texts, or recorded calls where a representative described the transaction, keep them in your file.
Conclusion
A well-prepared merchant can make the difference between a confusing dispute and a focused path toward resolution. Use this checklist to organize evidence, verify the transaction structure, and scrutinize payment math so your attorney can evaluate the strengths of your claims quickly. When you can clearly show what was promised, what was charged, and what was actually deducted, it becomes easier to challenge inaccurate accounting or unfair conduct. You deserve clarity about your options and a plan designed to protect your business and your peace of mind. Reach out to Grantphillipslaw.com to discuss your situation and move forward with confidence.
