Zachter PLLC: Who They Are and What to Do If They Contact You About an MCA Balance
Zachter PLLC is a New York and New Jersey debt collection and judgment enforcement law firm, led by Jeffrey S. Zachter, that appears in the court record as counsel for merchant cash advance funders suing merchants and their guarantors, including Diesel Funding LLC and Silverline Services, Inc. It is not a funder and not a lender. Its own site says the practice is civil litigation, especially debt collection and judgment enforcement, for banks, lenders and other creditors. An earlier version of this page described Zachter PLLC as an MCA funder and quoted factor rates for it. That was wrong and has been removed. If this firm is writing to you, a funder has retained it, and the paperwork behind your advance decides what happens next.
What Zachter PLLC is
Zachter PLLC (zachterlaw.com), 30 Wall Street, 8th Floor, New York, NY 10005, phone (646) 779-3294, and 2 University Plaza, Suite 205, Hackensack, NJ 07601, phone (201) 500-6576, info@zachterlaw.com. The site describes a New York and New Jersey law firm focused on civil litigation, especially debt collection and judgment enforcement, with a practice that extends to state courts in both states and to the federal courts. It lists commercial litigation, commercial collections, civil litigation, business disputes, real estate litigation, foreclosure, judgment enforcement and arbitration, and says the firm helps clients across the United States and abroad enforce and collect money judgments. Jeffrey Zachter is described as a seasoned litigator in the collections industry since 2002.
The Better Business Bureau lists Zachter PLLC at the Wall Street address under lawyers: not BBB accredited, rated A+, business started September 16, 2014, BBB file opened March 22, 2021, no complaints shown (checked September 24, 2026).
What it is not: a funder, a lender or a merchant cash advance provider. There is no Zachter advance, no factor rate and no reconciliation clause of its own. If our earlier page led you to expect any of those, disregard it.
Where it appears in the court record
Published New York decisions show the firm as plaintiff's counsel for funders in Kings County Supreme Court, and two of them are worth reading because the court explained what a funder must prove:
- Diesel Funding LLC v. RCI PLBG Inc. et al. (Kings County, index 515841/2022, decided April 6, 2023, Rivera, J.). Diesel Funding sued a plumbing contractor and two guarantors over a December 2019 purchase of 1,244,170 dollars of future receivables at 17 percent of receivables, claiming 756,670 dollars after 495,000 dollars had been paid. Jeffrey S. Zachter appeared for the plaintiff. The court denied summary judgment even though nobody opposed it: the attorney affirmation had no personal knowledge, the CFO's affidavit did not lay a foundation for the payment history, the claimed bank-code default was hearsay, and neither the complaint nor the motion said how much money the merchant actually received after a prior balance was deducted from the purchase price.
- Silverline Services, Inc. v. Mob Transport, LLC and David Otis Witherspoon (Kings County, index 533231/2023, decided June 16, 2025, Rivera, J.). Silverline sued on two 2023 agreements (59,536.79 dollars of receivables for a 40,806.57 dollar purchase price, funded in weekly increments, plus a second 8,874 dollar agreement) and a personal guaranty. The firm then had the owner sign a settlement agreement directly while he was represented by counsel. The court refused to enforce it, citing CPLR 321(a) and Rule 4.2 of the Rules of Professional Conduct, and denied judgment on the settlement.
- Silverline Services, Inc. v. PDC Construction, LLC (Kings County, 2024 NY Slip Op 50304(U), decided March 15, 2024), another Silverline collection action with Zachter PLLC for the plaintiff.
No regulatory action or disciplinary record against the firm was located in the sources checked. Silverline Services is profiled on this site; see Silverline Services reviews and complaints.
Why a business owner hears from the firm
Because a funder has placed a defaulted or disputed advance with it for suit or judgment enforcement. The firm is the funder's counsel; the agreement, the debit history, the personal guaranty and any UCC filing belong to the funder, and that paperwork decides what can be argued. Judgment enforcement is the firm's stated specialty, so a letter from it after a judgment usually means restraining notices, information subpoenas and bank levies are the next step, and a letter before a judgment is the moment to answer.
What to establish from your own paperwork
- Which funder, which agreement and what balance. Ask in writing, at 30 Wall Street, 8th Floor, New York, NY 10005, for the funder's name, the agreement date, the purchase price actually delivered (the Diesel Funding decision turned on a prior balance deducted from it), the payback amount, every debit taken and the balance claimed.
- Whether a suit or judgment already exists. Search NYSCEF for your business name and the guarantor's name. If a summons exists, the answer deadline runs from service, usually 20 or 30 days; if a judgment exists, ask for the judgment number and check whether it was entered on a confession of judgment.
- 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 you are represented. If you have a lawyer, the firm must deal with your lawyer; the Silverline decision rejected a settlement signed directly with a represented owner. Do not sign a settlement or a stipulation without your own counsel reading it.
- 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 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, with Zachter PLLC as counsel. Answer before the deadline; a default judgment ends the negotiation and hands the funder the enforcement tools this firm specialises in. The two decisions above also show that an unopposed motion is not an automatic win for the funder when the paperwork is thin, which is a reason to answer rather than ignore. See what to do if a funder represented by Zachter PLLC sues.
Can the balance be settled?
Usually, if the underlying advance is real. Funders that have retained counsel still settle within limits they set, and a documented revenue drop, bank statements and a realistic lump sum or schedule tend to be heard, before or after a suit is filed. Get the terms in writing, signed through your own counsel if you have one. See how a balance Zachter PLLC 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.
Frequently Asked Questions
Is Zachter PLLC a merchant cash advance company?
No. Zachter PLLC is a New York and New Jersey debt collection and judgment enforcement law firm. In published decisions it appears as counsel for MCA funders such as Diesel Funding and Silverline Services. It does not fund advances or loans.
Is Zachter PLLC legitimate?
It is a law firm with offices at 30 Wall Street in Manhattan and in Hackensack, New Jersey, a BBB profile rated A+ (not accredited, no complaints shown), and appearances in state court decisions since at least 2023. Legitimate does not mean the balance claimed is correct; ask for the funder's name and an itemised account in writing.
Why is Zachter PLLC contacting my business?
A merchant cash advance funder has retained it to collect on, sue over or enforce a judgment on an advance, usually with the owner's personal guaranty attached. Find out which funder, which agreement and whether a suit or judgment 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 Zachter PLLC?
Identify the funder and the agreement, request an itemised balance in writing, search NYSCEF for any filed case or judgment, pull the reconciliation clause and the guaranty, do not sign a settlement without counsel, and get the paperwork reviewed before agreeing to a number or missing an answer deadline.
Sources
- Zachter PLLC website, About Us (practice description, offices, Jeffrey Zachter)
- BBB Business Profile: Zachter PLLC, New York, NY (not accredited, A+, started 9/16/2014, file opened 3/22/2021)
- Diesel Funding LLC v. RCI PLBG Inc., Sup Ct, Kings County, index 515841/2022, 2023 NY Slip Op 50355(U) (Zachter PLLC for plaintiff; summary judgment denied)
- Silverline Services, Inc. v. Mob Transport, LLC, Sup Ct, Kings County, index 533231/2023, 2025 NY Slip Op 51026(U) (Zachter PLLC for plaintiff; settlement signed with a represented party rejected)
- Silverline Services, Inc. v. PDC Construction, LLC, Sup Ct, Kings County, 2024 NY Slip Op 50304(U) (Zachter PLLC for plaintiff)
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.
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