Eagle Phillips NY LLC (2026): Who They Are, Complaints & What to Do If Sued
You opened a piece of mail and saw the name "Eagle Phillips NY LLC" on a summons or court filing. The name probably means nothing to you, even if you do recognize the debt behind it. That's by design. Eagle Phillips NY LLC is the legal entity Uplyft Capital uses to file collection lawsuits against small businesses, and court records show they use it consistently across New York and other states.
This page explains who Eagle Phillips NY LLC is, how it connects to Uplyft Capital, what their typical claims look like, and what options you actually have. If you've been served, read this before you do anything else.
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Who is Eagle Phillips NY LLC?
Eagle Phillips NY LLC is a limited liability company registered in New York. In practice, it functions as a collection and litigation arm for Uplyft Capital, a merchant cash advance funder headquartered in Sunny Isles Beach, Florida. Court filings going back to at least 2019 consistently carry the caption "Eagle Phillips NY LLC d/b/a Uplyft Capital," which tells you the two entities are the same operation using different names for different purposes.
The Better Business Bureau lists Eagle Phillips LLC as an alternate business name for Uplyft Capital, which confirms the connection directly. Uplyft Capital itself has been BBB-accredited since August 2022 and lists approximately 52 employees. The company has been operating in the merchant cash advance space since at least 2012 under various names.
When Uplyft Capital advances money to a small business and that business stops paying, it files the lawsuit as Eagle Phillips NY LLC. That's the pattern court records show, from Kings County Supreme Court in Brooklyn to Tarrant County in Texas.
What is Eagle Phillips NY LLC's connection to Uplyft Capital?
Uplyft Capital is a merchant cash advance funder. It advances a lump sum to a business in exchange for a percentage of that business's future revenue, collected through daily or weekly ACH debits. The advance isn't technically a loan under most state definitions, which matters legally because MCA agreements are structured differently than traditional debt.
Uplyft's advances range from roughly $8,000 to $500,000. Factor rates reported by lender-review sites start around 1.24 and go up to 1.40, meaning a business that takes $50,000 could owe $62,000 to $70,000 in total payback. Repayment terms run between 6 and 18 months depending on the program tier. The company pulls payment daily or weekly via ACH, so when a business runs into cash flow trouble, those automatic debits are often what triggers a default.
When a business defaults, Uplyft pursues collections. It uses Eagle Phillips NY LLC as the plaintiff entity in those suits. From the business owner's side, this means you may receive a summons listing Eagle Phillips NY LLC when the underlying dispute is entirely about a Uplyft Capital advance you took out months or years ago.
Can Eagle Phillips NY LLC sue your business?
Yes. Court records confirm Eagle Phillips NY LLC has filed breach-of-contract suits in New York Supreme Court in Kings County, New York County, and Monroe County, as well as in Texas state courts. These aren't empty threats. Some cases have gone to default judgment when business owners didn't respond.
One case from 2019 in Kings County involved a confession of judgment for $144,400 tied to an MCA agreement from 2017. A confession of judgment is a clause some MCA agreements include that lets the funder enter a judgment against you without a full trial. New York restricted the use of confessions of judgment in out-of-state contracts starting in 2019, but agreements signed before that change may still be affected.
Even without a confession of judgment, Eagle Phillips NY LLC can sue in New York courts if your MCA agreement contained a New York venue clause, which is common in MCA contracts regardless of where your business is located. A judgment in New York can then be domesticated in your home state.
The short version: this entity has legal standing to sue, has done it many times, and has won default judgments when business owners ignored service. Don't ignore service.
What to do when you receive a summons from Eagle Phillips NY LLC
The first thing is figuring out exactly what the summons says and when you were served. In New York, you typically have 20 days to respond if you were personally served or 30 days if served by other methods. Missing that window lets Eagle Phillips NY LLC take a default judgment against you, which gives them the right to garnish bank accounts and place liens on assets.
Pull out your original MCA agreement with Uplyft Capital and read the amount you received, the total payback amount, and any dispute or venue clauses. The gap between what you received and what they're now claiming is often where there's room to work.
A few things to document immediately:
- Every payment you made to Uplyft Capital, with dates and amounts
- Any communications where Uplyft offered a pause, modification, or restructure
- Your business revenue records for the period covered by the MCA
- A copy of the original advance agreement, including the factor rate and payback terms
That documentation matters whether you're negotiating directly, working with a debt settlement firm, or hiring an attorney.
Business debt settlement as an option
A lot of business owners who get served by Eagle Phillips NY LLC are already in a cash flow crisis. The advance didn't solve the problem, the daily debits made it worse, and now there's a lawsuit on top of it. In that situation, fighting the full amount in court often isn't the most practical path.
Business debt settlement works by negotiating a reduced payoff, either as a lump sum or a structured payment plan, directly with Eagle Phillips NY LLC or Uplyft Capital. MCA funders typically prefer recovering something over spending more legal fees pursuing a judgment they may never collect on, especially from a business that's clearly struggling.
At Business Debt Adjusters, we've worked with businesses that received MCA-related summonses and helped them reach negotiated resolutions below the claimed balance. The outcome depends on how much was paid before default, how much the funder expects to recover, and the strength of your financial documentation. Settlement isn't a guarantee, but it's a legitimate option that often costs less than full litigation and lets you keep operating.
Worth knowing: settlement works better before a judgment is entered. Once Eagle Phillips NY LLC has a judgment, the dynamic shifts and your options narrow.
When you need an actual attorney
There are situations where you should hire a commercial litigation or MCA defense attorney, not a debt settlement firm.
If your agreement included a confession of judgment clause and that judgment has already been entered, you'll need an attorney to move to vacate it in New York court. That's a legal proceeding, not a negotiation.
If Eagle Phillips NY LLC is claiming an amount that doesn't match your records of what you received plus the stated factor rate, that's a potential dispute over the contract itself. An attorney can review the agreement for compliance with New York's commercial finance disclosure laws, which took effect for MCA agreements in recent years.
If you're being sued for a personally guaranteed amount and the guarantor is an individual, the stakes are higher and the exposure is personal. Get legal counsel before responding.
We're not attorneys and don't give legal advice. What we can say is that debt settlement and legal defense serve different purposes. If there's a meritorious legal defense to the claim itself, that's an attorney's job, not ours. If the debt is valid but the amount is a problem, that's where settlement negotiation fits.
Frequently asked questions
Why does the lawsuit say Eagle Phillips NY LLC instead of Uplyft Capital?
Uplyft Capital files collection lawsuits under the Eagle Phillips NY LLC entity name. This is common in the MCA industry, where funders use separate holding or collection entities for litigation. The BBB lists Eagle Phillips LLC as an alternate name for Uplyft Capital, and court filings consistently carry the caption "Eagle Phillips NY LLC d/b/a Uplyft Capital," confirming they're the same company.
Can Eagle Phillips NY LLC garnish my bank account?
Only after a judgment is entered against you. If Eagle Phillips NY LLC files suit and you don't respond in time, they can take a default judgment. With a judgment, they can seek a bank restraining notice or garnishment in New York, and in some cases domesticate the judgment in your home state. Responding to the summons on time is what keeps those options off the table while you figure out next steps.
What if I can't pay the full amount they're claiming?
Inability to pay the full claim is actually one of the more common situations in MCA disputes. Many businesses settle for less than the claimed balance, particularly when the business is still operating but cash-strapped. The key is engaging before a judgment is entered. After judgment, the power dynamic changes significantly.
Does Eagle Phillips NY LLC only file in New York?
No. Court records show Eagle Phillips NY LLC has filed in New York state courts (Kings County, New York County, Monroe County) and at least one case in Tarrant County, Texas. MCA agreements frequently contain New York venue clauses regardless of where the borrowing business is located, which is how an out-of-state business ends up facing a New York filing. A judgment entered in New York can be registered in other states.
What is a merchant cash advance and how is it different from a loan?
A merchant cash advance is a purchase of a portion of a business's future receivables, not a traditional loan. MCA funders argue this structure means their advances aren't subject to state usury laws that cap interest rates. Whether that distinction holds up legally depends on the state and the specifics of the agreement. Courts have gone both ways. For practical purposes, the key difference you'll notice is that MCA repayment comes as daily or weekly automatic bank debits rather than monthly payments, which is why cash flow problems escalate quickly.
Talk to us before you respond
If Eagle Phillips NY LLC has served you with a summons, or if Uplyft Capital has been threatening a lawsuit, don't wait. The response window is short and missing it costs you leverage. A free consultation with our team takes about 20 minutes and gives you a clear picture of what the exposure actually looks like and whether settlement is a realistic path. We've worked with businesses carrying MCA debt from multiple funders and can tell you honestly when we can help and when you need a lawyer instead.
If you're not yet at the lawsuit stage but the daily debits from Uplyft Capital are already straining your cash flow, that's also worth a conversation. Reaching out before a lawsuit starts gives you more options, not fewer. Learn more about how business debt settlement works and whether it fits your situation.
Business Debt Adjusters is a debt settlement firm, not a law firm. Nothing on this page is legal advice. If you need legal representation in a lawsuit filed by Eagle Phillips NY LLC or any other entity, consult a licensed commercial litigation attorney in your state. Information about court filings and company background is drawn from publicly available court records, BBB business profiles, and third-party lender-review sources as of 2026.
