Spodek Law Group Review (2026): MCA Defense Services & Your Alternatives
Editorial note: This is an independent review published by Business Debt Adjusters. We have no affiliation with Spodek Law Group, we weren't paid by anyone to write this, and every fact below about the firm comes from its own public websites or public review platforms. One more thing worth saying plainly: Business Debt Adjusters is not a law firm, and nothing on this page is legal advice.
If you're researching Spodek Law Group, you probably have a merchant cash advance problem that stopped being theoretical. Daily ACH pulls you can't sustain, a UCC notice sent to your processor, maybe a lawsuit already on file. Owners in that spot tend to price out two options at once: an MCA defense attorney and a settlement firm. This review covers the first option honestly, then makes the case for the second where it applies. Both can be the right call. It depends on your file.
Who Spodek Law Group is
Spodek Law Group P.C. is a New York City firm best known for criminal defense. Managing partner Todd Spodek is a second-generation trial lawyer, and if the name rings a bell, it should. He represented Anna Sorokin, the fake-heiress defendant whose 2019 trial became Netflix's "Inventing Anna," with Todd portrayed on screen by Arian Moayed. That's a genuine credential, not a gimmick: high-profile criminal trial work means the firm knows its way around a New York courtroom, and Sorokin's six-month outcome on a case that could have gone far worse is the kind of result defense lawyers point to for a reason.
MCA defense is a newer arm of the practice. The firm publishes a large library of merchant cash advance content across its sites and markets MCA defense services in New York and nationally, sitting alongside its core federal and state criminal work. For a business owner, that mix cuts both ways. You get trial-tested litigators. You also get a firm whose center of gravity is criminal court, not commercial debt workouts, so it's fair to ask on your consultation call how much of the MCA work the attorneys handle day to day.
What Spodek Law Group handles on the MCA side
According to the firm's own MCA pages, Spodek Law Group works the legal levers that only a licensed attorney can pull:
Confession of judgment challenges. The firm files motions to vacate COJs in New York County Supreme Court. If a funder has already converted your confession of judgment into an enforceable judgment, undoing that is a court motion. No settlement company can file it.
Criminal usury arguments. New York caps interest at 25% under its criminal usury statute, and the firm raises that defense where an advance's effective rate blows past the cap. Whether an MCA is a "purchase of future receivables" or a disguised loan is a live legal question, and arguing it is squarely a lawyer's job.
UCC lien disputes. The firm disputes overbroad UCC-1 filings with the New York Department of State, which matters when a lien letter has scared your processor into holding funds.
Negotiated settlements. Spodek Law Group also negotiates directly with funders, citing the New York Attorney General's $1 billion Yellowstone Capital settlement as precedent, and claims more than $100 million in commercial debt settled with no upfront fees. We can't verify that figure independently, so treat it the way you'd treat any firm's own number, ours included: ask for specifics on your call.
What public reviews say about Spodek Law Group
The firm's websites report over 1,100 five-star Google reviews, 700+ client reviews overall, Avvo "Superb" ratings, and Super Lawyers listings from 2020 through 2025. Those figures come from Spodek Law Group's own marketing pages, so do what we'd tell you to do with anyone, including us: open Google Maps and Avvo yourself and read the recent reviews, not the badge. Worth noting that most of the published review volume relates to the firm's criminal defense practice, which is where its reputation was built. Reviews specific to MCA defense outcomes are harder to isolate publicly.
When hiring a firm like Spodek Law Group makes sense
We wrote a full breakdown of this in our MCA attorney vs. settlement firm guide, and the short version hasn't changed. You likely need a lawyer, not a settlement firm, if any of these is true:
You've already been sued. A filed lawsuit has deadlines measured in days, and blowing them can mean a default judgment. Only an attorney can answer a complaint.
A judgment or COJ is already being enforced. Frozen accounts, restraining notices, marshal levies. Vacating a judgment is courtroom work.
You want to fight the contract itself. If your strategy is "this advance is really a usurious loan," that's a legal argument with case law behind it, and it belongs in a lawyer's hands.
In those situations a settlement firm is the wrong tool, and we say so on the first call. That's not modesty, it's just how the two services divide the work.
When a settlement firm is the better fit
Here's the part most attorney-review pages skip: the majority of MCA trouble is a cash-flow problem before it's a legal one. No lawsuit filed. No judgment entered. Just three or four stacked positions pulling 30-40% of daily revenue while payroll comes due Friday. At that stage, the job isn't winning a legal argument. The job is getting funders to accept restructured terms your actual revenue can carry, fast, before anyone files anything.
That's what we do at Business Debt Adjusters, and we've done it for 11 years across more than $500 million in enrolled debt. We hold a 4.7-star rating on Trustpilot across 243 reviews, our fee is disclosed before you sign anything, and because nothing goes to court there are no hourly litigation bills stacking up next to the debt you're trying to shrink. Attorneys bill for time. We only make sense when negotiation resolves the file for less than the fight would cost.
None of that is a knock on Spodek Law Group. It's a real firm with real trial credentials, and some files genuinely need one. The honest question is whether yours is a courtroom file or a negotiation file, and a 15-minute call usually settles it.
Before you respond to any collector or law firm, it helps to know every option on the table. Start with our guide to help with MCA debt.
Frequently asked questions
Is Spodek Law Group a legitimate option for MCA defense?
Yes. It's an established New York law firm with licensed attorneys, a long criminal defense track record, and published MCA defense services including COJ vacatur and usury arguments. Whether it's the right option depends on whether your situation needs litigation at all.
How much does Spodek Law Group charge?
The firm advertises free consultations and states no upfront fees for MCA settlement work. Beyond that, published pricing isn't available, which is normal for law firms. Ask for the full fee structure in writing on your consultation, including what happens if the matter goes to litigation.
Do I need an MCA attorney or a settlement company?
Lawsuit, judgment, or frozen account: attorney. Stacked positions crushing cash flow with no case filed yet: settlement firm, in most cases. Our attorney vs. settlement firm comparison walks through the decision in detail.
Can Business Debt Adjusters help if I'm already talking to a law firm?
Often, yes. Some owners use counsel for one litigated position and negotiation for the rest. If your file needs a lawyer instead of us, we'll tell you that on the first call. Book a free consultation and we'll give you a straight read on which path fits.
Disclaimer: This review reflects the editorial opinion of Business Debt Adjusters based on publicly available information as of 2026. Business Debt Adjusters is a debt settlement company, not a law firm, and does not provide legal advice or legal services. Spodek Law Group has no affiliation with this page. If you believe any information here is inaccurate, contact us and we'll correct it.
