The Law Office of Joe Lieberman: Who They Are and What to Do If They Contact You About an MCA Balance
The Law Office of Joe Lieberman is a creditor-side law practice, not a funder and not a lender. The name appears on creditor schedules in 2019 federal bankruptcy filings, and a New York attorney named Joe Lieberman, Esq. (Harvard Law, formerly of Cravath, Swaine & Moore) is today a name partner of Lieberman & Klestzick, LLP, trading as L&K Legal, a boutique creditors' rights firm whose whole practice is commercial finance: commercial collections, revenue-based financing litigation, personal guaranties, UCC lien enforcement and judgment enforcement for the funders that write the agreements. That firm's name appears in about 60 federal dockets from 2025 to 2026 as the notice address for merchant cash advance funders such as Westwood Funding Solutions and Apex Funding. An earlier version of this page described the Law Office of Joe Lieberman as an MCA funder and quoted factor rates for it. That was wrong and has been removed. If a Lieberman letter has reached you, a funder has retained counsel, and the paperwork behind your advance decides what happens next.
What the name refers to
Two things appear in the public record under this name, and we have not found a document that formally connects them, so both are set out here.
- The Law Office of Joe Lieberman is listed as a creditor on the schedules of two Chapter 7 cases filed in the District of Colorado in 2019 (John G. and Janet L. Popovich, 19-17457, and Andrew Leo Wilkin, 19-15986). A law office listed as a creditor is normally the collector on a placed account rather than the original lender.
- Lieberman & Klestzick, LLP (L&K Legal), landklegal.com, PO Box 356, Cedarhurst, New York 11516, with a Florida office at 633 NE 167th Street, Suite 1218, North Miami Beach, phone (516) 900-6720, legal@landklegal.com. Court filings also give 381 Sunrise Highway, Third Floor, in Lynbrook and Garden City, New York, and 1915 Hollywood Boulevard, Suite 200, Hollywood, Florida. Its site describes a twelve-lawyer boutique civil firm for creditors in commercial finance: commercial collections, revenue based financing litigation (enforcing the agreement and the personal guaranties behind it, for the lender who wrote it), commercial litigation, judgment enforcement (asset tracing, restraining notices, turnover, domestication), UCC and secured party rights, workouts, and contract drafting. Joe Lieberman, Esq., a name partner, is described as a Harvard Law graduate who practised at Cravath, Swaine & Moore and whose current practice is the distressed debt industry, representing funders, factors and lenders.
If the letter you received carries the Lieberman & Klestzick or L&K Legal name, the second entry is the firm you are dealing with. Neither entry is a funder, a lender or a merchant cash advance provider; there is no Lieberman advance, no factor rate and no reconciliation clause of its own. If our earlier page led you to expect any of those, disregard it. The Better Business Bureau has no profile under either name as of September 24, 2026.
Where Lieberman & Klestzick appears in the court record
- Creditor notice address for MCA funders. Bankruptcy dockets from 2025 to 2026 in New York, Texas, Georgia, Florida, California, South Carolina and Colorado list the firm on creditor schedules or as c/o address for funders: Westwood Funding Solutions, LLC c/o Lieberman and Klestzick LLP (Red Rock Industries, Bankr. E.D.N.Y. 8-26-70678, notice of change of address, March 2026); a 97,432.80 dollar receivables balance listed with the firm's Lynbrook address (Illuminated Trees, Bankr. C.D. Cal., July 2025); and entries in RBT Logistics (Bankr. N.D. Tex., January 2026), Maisel-Hinson Mainland Floral (Bankr. S.D. Tex., February 2026) and Collaboration Software Partners (Bankr. N.D. Ga., October 2025).
- UCC lien notices to payment processors. In Matadoor Restaurant Group (Bankr. D.S.C. 25-80045, August 2025) the debtor alleged that DoorDash and Stripe received a notice from the firm on behalf of Apex Funding; in Lena Brands LLC v. Stripe, Inc. (Bankr. D. Del. 26-50368, May 2026) the complaint describes a lien notice delivered by the firm on October 23, 2025 for a funder. Diverting a merchant's processor deposits under a UCC notice is a standard funder tactic and usually the moment owners call us.
- Judgment on appeal. Future Legends, LLC (Bankr. D. Colo. 26-15664, July 2026) lists a contract collection judgment in the firm's name as on appeal.
No regulatory action or disciplinary record against either name was located in the sources checked.
Why a business owner hears from the firm
Because a funder has placed a defaulted or disputed advance with it for collection, suit, a UCC notice to your processor or judgment enforcement. The firm is the funder's counsel and, on its own account, sometimes the drafter of the agreement being enforced. The agreement, the debit history, the personal guaranty and any UCC filing belong to the funder, and that paperwork decides what can be argued.
What to establish from your own paperwork
- Which funder, which agreement and what balance. Ask in writing, at PO Box 356, Cedarhurst, NY 11516, for the funder's name, the agreement date, the purchased and payback amounts, every debit taken and the balance claimed.
- Whether a UCC notice has gone to your processor or customers. If Stripe, Square, DoorDash or a customer has frozen or redirected funds, ask for a copy of the notice and the UCC-1 it relies on; the amount claimed and the security interest must match the agreement.
- Whether a suit or judgment already exists, and where. Search NYSCEF and your own state's docket for the business name and the guarantor's name. If a summons exists, the answer deadline runs from service, usually 20 or 30 days.
- 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.
- Whether the FDCPA applies. A merchant cash advance is a commercial transaction, so the federal Fair Debt Collection Practices Act generally does not apply. Attorney conduct rules and the general prohibitions on misrepresentation still bind the firm.
- Any 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, with the firm as counsel. Answer before the deadline; a default judgment ends the negotiation and opens the enforcement tools the firm lists as a specialty. See what to do if a funder represented by the Lieberman firm sues.
Can the balance be settled?
Usually, if the underlying advance is real. The firm's own site lists negotiated settlements, payment plans, workouts and forbearance agreements among its services, and placed MCA balances settle within limits the funder sets; a documented revenue drop, bank statements and a realistic lump sum or schedule tend to be heard. See how a balance the Lieberman firm is collecting can be settled.
Business Debt Adjusters reviews the agreement, the debit history and any UCC or court filings, and tells you what is realistic before you commit to anything.
Frequently Asked Questions
Is the Law Office of Joe Lieberman a merchant cash advance company?
No. The name belongs to a creditor-side law practice. Joe Lieberman, Esq. is today a name partner of Lieberman & Klestzick, LLP (L&K Legal), a New York and Florida creditors' rights firm that represents merchant cash advance funders, factors and lenders. It does not fund advances or loans.
Is Lieberman & Klestzick legitimate?
It is a law firm with published New York and Florida addresses, a partner with a Harvard Law degree and Cravath background per its site, and appearances in dozens of federal dockets since 2025 as counsel or notice address for funders. The BBB has no profile for it. Legitimate does not mean the balance claimed is correct; ask for the funder's name and an itemised account in writing.
Why is the Lieberman firm contacting my business or my payment processor?
A merchant cash advance funder has retained it to collect on, sue over or enforce a security interest on an advance. Court filings show the firm sending UCC lien notices to processors such as Stripe and DoorDash on funders' behalf. Find out which funder, which agreement and whether a notice or suit already exists before responding by phone.
Does the Fair Debt Collection Practices Act apply to an MCA balance a law firm is collecting?
Generally no, because a merchant cash advance is a commercial transaction. Attorney conduct rules and the general prohibitions on misrepresentation still apply, and a personal guaranty can bring the owner's own protections into play.
What should a business owner do after a letter from the Lieberman firm?
Identify the funder and the agreement, request an itemised balance and a copy of any UCC notice in writing, search the court dockets for any filed case, pull the reconciliation clause and the guaranty, and get the paperwork reviewed before agreeing to a number or missing an answer deadline.
Sources
- L&K Legal (Lieberman & Klestzick, LLP) website: practice areas, offices, contact
- L&K Legal, Joe Lieberman, Esq. biography (Harvard Law, Cravath, current practice representing funders, factors and lenders)
- CourtListener docket search: Lieberman & Klestzick in federal dockets 2025 to 2026 (Westwood Funding Solutions c/o the firm; Apex Funding notice to DoorDash and Stripe; lien notice in Lena Brands v. Stripe)
- CourtListener docket search: Law Office of Joe Lieberman as a listed creditor, Bankr. D. Colo. 19-17457 and 19-15986 (2019)
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.
Letter, UCC notice or summons from the Lieberman firm?
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