Recovery of Judgment: Who They Are and What to Do If They Contact You About an MCA Balance
Recovery of Judgment is a New York City judgment enforcement and collection company at 1407 Broadway that says on its own site it employs skip-tracers, asset searchers, process servers and attorneys, that it has attorneys who specialise solely in merchant cash advance collections, that it has recovered over 18 million dollars for MCA companies, and that it files funders' confessions of judgment within minutes of submission. It is not a funder and not a lender. Its name and address appear on creditor lists in small-business bankruptcies in Kentucky, Arkansas and South Carolina from 2023 to 2025 and in a 2026 federal exhibit in Western Alliance Bank v. C6 Capital, a case involving an MCA funder. An earlier version of this page described Recovery of Judgment as an MCA funder and quoted factor rates for it. That was wrong and has been removed. If this company is contacting you, a funder has placed your advance with it, most likely after a default, and the paperwork behind that advance decides what happens next.
What Recovery of Judgment is
Recovery of Judgment (recoveryofjudgment.com), 1407 Broadway, 29th Floor, New York, NY 10018, phone (646) 863-9783, fax (646) 810-5781, support@recoveryofjudgment.com, hours Monday to Friday 10 am to 6 pm. Its About page says it is based in New York City with offices at 30 Wall Street and handles cases throughout the United States, employing a team of professional skip-tracers, asset searchers, process servers and attorneys with access to financial databases, and that it locates assets, seizes them and converts them into payment of judgments. Its three service lines are post-judgment enforcement, merchant cash advance collections, and accounts receivable litigation and collection; it runs a Pay Your Debt Now page for the people it collects from and a client service agreement for creditors. The site does not name its principals, its legal entity or any collection agency licence, and the Better Business Bureau has no profile under the name as of September 24, 2026.
What it is not: a funder, a lender or a merchant cash advance provider. There is no Recovery of Judgment advance, no factor rate and no reconciliation clause of its own. If our earlier page led you to expect any of those, disregard it.
What it says about merchant cash advance collections
The company's MCA page is written for funders and is worth quoting in substance. It says that anyone in the MCA industry knows every deal is considered high risk for default as a result of merchants' often poor credit; that its team is comprised of MCA legal experts with years of experience; that it has expert attorneys on staff who specialise solely in merchant cash advance collections and have recovered over 18 million dollars on behalf of MCA companies; that speed is the number one factor in MCA collections; and that its staff work to ensure that a funder's COJs are filed within minutes of submission, whether the funder has one file or hundreds.
Two things follow for a merchant. First, the confession of judgment is the centre of this company's model: a COJ in your agreement lets the funder enter judgment without a hearing, and this company advertises filing them fast. Second, a judgment is where its enforcement tools begin: restraining notices, information subpoenas, bank levies, marshal executions and asset seizure. Since August 2019 New York courts have not entered confessions of judgment against non-New-York debtors, and several states will not domesticate them, so whether a COJ in your agreement can be used depends on where you are and where the judgment would be entered.
Where it appears in the court record
- Creditor on bankruptcy schedules across the country. The company's Broadway address appears on creditor lists in Cair Heating and Cooling, LLC (Bankr. W.D. Ky. 23-31622, 2023), Lowry Farms, Inc. (Bankr. W.D. Ark. 1:24-bk-70535, 2024) and Kevin Scott Murdock (Bankr. D.S.C. 25-00037, 2025), small businesses and owners in three states, which is what an agency holding placed MCA accounts looks like in the record.
- Goss v. Recovery of Judgment (Bankr. M.D. Ga. 22-03008, adversary proceeding filed August 25, 2022, dismissed October 21, 2022): a bankruptcy debtor sued the company inside the bankruptcy case, and the adversary was dismissed within two months. We have not read the pleadings, so this page does not characterise the claims.
- Western Alliance Bank v. C6 Capital LLC (N.D. Cal. 5:26-cv-00443, filed January 15, 2026): an exhibit filed with the complaint lists Recovery of Judgment, 1407 Broadway, 29th Floor, in a contract dispute involving C6 Capital, a merchant cash advance funder. The exhibit is locked as confidential on the docket, so we record only that the name and address appear in it.
- CourtListener otherwise returns the phrase recovery of judgment as ordinary contract language in hundreds of unrelated cases, so a raw docket count is not meaningful; the company's core work is judgment enforcement in state courts, above all New York's, which CourtListener does not index.
No regulatory action against the company was located in the sources checked.
Why a business owner hears from Recovery of Judgment
Because a funder has placed a defaulted advance with it, often with a confession of judgment or an existing judgment attached. The company is the funder's agent; the agreement, the debit history, the personal guaranty and any UCC filing belong to the funder, and that paperwork decides what can be argued. If you are hearing from this company, assume a judgment either exists or is about to be entered, and act on that timetable.
What to establish from your own paperwork
- Whether a judgment already exists, in which court and for how much. Search NYSCEF and your own county clerk for the business name and the guarantor's name. If a judgment was entered on a confession of judgment, get the COJ affidavit and the judgment itself; the amount, the date and the court of entry decide whether it can be vacated or enforced against you.
- Which funder placed the account, and the balance it claims. Ask in writing, at 1407 Broadway, 29th Floor, New York, NY 10018, for the funder's name, the agreement date, the purchased and payback amounts, every debit taken, the balance claimed and any judgment number.
- 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 in writing.
- The reconciliation clause. If revenue fell and the funder refused or ignored a reconciliation request, that is the centre of most MCA disputes and a ground for challenging a default. Pull the clause and the request history before you agree to anything.
- Whether the FDCPA applies. A merchant cash advance is a commercial transaction, so the federal Fair Debt Collection Practices Act generally does not apply. New York's collection rules, New York City's debt collection agency licensing and the general prohibitions on harassment and misrepresentation still do.
- Any bank restraint or levy already served. If your bank has frozen funds, ask the bank for the restraining notice and the judgment it cites; there are exemptions and procedures for challenging a wrongful restraint. See how MCA debt relief works.
If a lawsuit has been filed or a judgment entered
The plaintiff will be the funder, not the agency. If a summons exists, answer before the deadline, usually 20 to 30 days from service; a default judgment ends the negotiation. If a judgment was entered on a confession of judgment, the question is whether it can be vacated, which depends on where you are, where it was entered and whether the COJ procedure was followed. See what to do if a funder represented through Recovery of Judgment sues or enters judgment.
Can the balance be settled?
Usually, even after a judgment. A judgment creditor still has to find and reach assets, and the company's own site concedes that some judgment debtors do not have the assets to pay; a documented picture of what the business can actually pay, with bank statements, tends to produce a negotiated payoff or schedule within limits the funder sets. Get the funder's sign-off and a satisfaction of judgment in writing. See how a balance Recovery of Judgment is collecting can be settled.
Business Debt Adjusters reviews the agreement, the debit history and any judgment or enforcement papers, and tells you what is realistic before you commit to anything.
Frequently Asked Questions
Is Recovery of Judgment a merchant cash advance company?
No. Recovery of Judgment is a New York City judgment enforcement and collection company whose own site says it collects for MCA companies, has attorneys who specialise solely in MCA collections and files funders' confessions of judgment within minutes of submission. It does not fund advances or loans.
Is Recovery of Judgment legitimate?
It has a published Manhattan address, phone, website and service agreement, and its name appears on bankruptcy creditor lists in three states and in a 2026 federal court exhibit involving an MCA funder. Its site does not name its principals, legal entity or licence, and the BBB has no profile for it. Ask in writing for the funder's name, any judgment number and an itemised account before discussing payment.
Why is Recovery of Judgment contacting my business?
A merchant cash advance funder has placed your defaulted account with it, most likely with a confession of judgment or an existing judgment attached. Find out whether a judgment exists, in which court and for how much before responding by phone.
Can a confession of judgment still be used against my business?
It depends on where you are and where the judgment would be entered. New York courts stopped entering confessions of judgment against non-New-York debtors in August 2019, and several states will not domesticate them, but a judgment already entered can still be enforced through bank restraints and levies until it is vacated or paid. Get the COJ affidavit and the judgment and have them reviewed.
What should a business owner do after a call or letter from Recovery of Judgment?
Check the court records for any judgment, request the funder's name, the itemised balance and the judgment number in writing, pull the reconciliation clause and the guaranty, ask your bank for any restraining notice, and get the paperwork reviewed before agreeing to a number.
Sources
- Recovery of Judgment website, About Us (services, staff, offices at 1407 Broadway and 30 Wall Street)
- Recovery of Judgment website, Merchant Cash Advance page (MCA collections, 18 million dollars recovered for MCA companies, COJs filed within minutes)
- CourtListener docket search: Recovery of Judgment, 1407 Broadway (Goss v. Recovery of Judgment, Bankr. M.D. Ga. 22-03008; creditor listings in Kentucky, Arkansas and South Carolina bankruptcies 2023 to 2025; Western Alliance Bank v. C6 Capital LLC, N.D. Cal. 5:26-cv-00443)
- BBB search: no profile for Recovery of Judgment (checked September 24, 2026)
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.
Call, letter or bank restraint traced to Recovery of Judgment?
Free consultation. BDA reviews the agreement, the debits and any judgment papers, and tells you what is realistic, no commitment required.
Schedule a Free Consultation →
