Empire Recovery: Who They Are and What to Do If They Contact You About an MCA Balance

What Empire Recovery is

Empire Recovery Solutions (empirerecover.com), 10 West 37th Street, Room 602, New York, NY 10018, phone (201) 716-0689, inbox@empirerecover.com. The BBB carries the business as Empire Recovery Services with two Manhattan addresses, 1430 Broadway Room 402 and 10 W 37th St Room 602, business started 22 November 2016, BBB file opened 16 September 2020, category collections agencies, not accredited. The BBB's rating is F, and it gives two reasons: four complaints filed against the business and failure to respond to all four. The site itself uses both names, Solutions and Services, on the same pages.

The site is written for funders, not for the merchants it calls. It asks, does your company extend credit to merchants and clients, describes the warning signs of a merchant about to default (unusual documentation requests, closed bank accounts, blocked debits, dodged calls), and offers to analyse a funder's book and collect on delinquent accounts. There is no product, no application and no rate anywhere on it.

What it is not: a funder, a lender or a merchant cash advance provider. There is no Empire Recovery advance, no factor rate and no reconciliation clause of its own. If our earlier page led you to expect any of those, disregard it.

Why a business owner hears from Empire Recovery

A funder has placed a defaulted or disputed advance with the agency. Empire Recovery is the funder's agent; the agreement, the debit history and the personal guaranty belong to the funder, and that paperwork decides what can be argued. The agency also appears as a listed creditor or notice party in federal bankruptcy dockets involving small businesses and their owners, which is what an agency holding placed commercial accounts looks like in the public record.

What the complaint record says

The two customer reviews the BBB publishes describe persistent contact from a representative, legal threats the reviewer calls fraudulent, and emails that copied in unrelated third parties with personal information. The BBB's own note is that the business has not answered any of the four complaints filed against it. Read those as descriptions of how the agency has behaved with other people, not as proof about your balance. They do mean that the first useful step is a written request and a paper trail, not a phone argument, and that any threat made on a call should be asked for in writing.

What to establish from your own paperwork

• Which funder placed the account, and the balance it claims. Ask in writing, at 10 West 37th Street, Room 602, New York, NY 10018, for the funder's name, the agreement date, the purchased and payback amounts, every debit taken and the balance claimed.
• Whether the agency owns the account or is servicing it. On a placement the funder remains the counterparty and any settlement needs its sign-off.
• Whether the FDCPA applies. A merchant cash advance is a commercial transaction, so the federal Fair Debt Collection Practices Act generally does not apply. State collection law, New York City's collection agency licensing rules and the general prohibitions on harassment, false legal threats and disclosure of your debt to third parties still do.
• The reconciliation clause. If revenue fell and the funder refused or ignored a reconciliation request, that is the centre of most MCA disputes. Pull the clause and the request history before you agree to anything.
• Any UCC filing, confession of judgment or personal guaranty. These decide what can be reached and how fast. See how MCA debt relief works.

If a lawsuit has been filed

The plaintiff will be the funder, not the agency. Answer before the deadline, usually 20 to 30 days from service; a default judgment ends the negotiation. If a caller says a suit has been filed, ask for the index number and the court, and check it yourself. See what to do if a funder represented through Empire Recovery sues.

Can the balance be settled?

Usually, if the underlying advance is real. Placed MCA balances settle within limits the funder sets, and a documented revenue drop, bank statements and a realistic lump sum or schedule tend to be heard. Get the funder's sign-off in writing before paying an agency with this complaint record. See how a balance Empire Recovery is collecting can be settled.

Business Debt Adjusters reviews the agreement, the debit history and any filings, and tells you what is realistic before you commit to anything.

Sources

• BBB Business Profile: Empire Recovery Services, New York, NY (not accredited, rating F, 4 unanswered complaints, started 11/22/2016, file opened 9/16/2020, customer reviews)
• Empire Recovery Solutions company website (services, contact details)
• CourtListener docket search: Empire Recovery in federal bankruptcy and district court dockets

Facts on this page were checked against the linked sources on September 24, 2026. Business Debt Adjusters is not affiliated with, endorsed by, or authorized to represent the company described.