A missed ACH payment is one thing. A file landing on AMA Recovery Group’s desk is another. AMA doesn’t just send letters, they liquidate delinquent commercial accounts for merchant cash advance funders and lenders, and their own site says the process covers everything from early delinquency through litigation and post-judgment collection. That doesn’t mean your options have run out. It means it’s worth understanding what stage your account is actually at before you respond to anything.
Consumer Rights Law Firm PLLC helps business owners being collected by AMA Recovery Group understand what’s actually being claimed against their business, and what to do next.
The Houston Attorney Behind AMA Recovery Group
AMA Recovery Group, LLC is a commercial collections agency based in Houston, Texas, launched in 2015 by an attorney with two decades of experience in commercial debt collections. The agency is built specifically around revenue-based financing products, meaning merchant cash advances and commercial loans, not general consumer debt. Their own site describes a full-service model: delinquent account collection, litigation support, “asset skipping” to locate merchants who’ve gone dark, and judgment liquidation for accounts where a judgment has already been entered.
Address: 3131 Eastside St., Suite 350, Houston, TX 77098
Phone: (713) 352-7320
Why the FDCPA Doesn’t Apply Here
If you’ve researched debt collection rights before, you may have come across the Fair Debt Collection Practices Act. It doesn’t cover this situation. The FDCPA only applies to debt incurred for personal, family, or household purposes, and a merchant cash advance or commercial loan for your business doesn’t qualify. That doesn’t leave you unprotected, it just means the relevant protections come from somewhere else: the terms of your original financing agreement, UCC Article 9 if a lien was filed against your receivables, and general business law covering breach of contract, usury, or how a debt collection agency is licensed to operate in your state.
If a Lawsuit or Confession of Judgment Is Already Involved
AMA Recovery Group’s own materials describe litigation as a standard part of their process once an account stays delinquent, and many merchant cash advance agreements include a confession of judgment clause, which can let a funder obtain a judgment without a full trial. If you’ve been served with a lawsuit, the response deadline is set by the state and court where it was filed, not by AMA, so check the summons for the court name and filing date first.
If a confession of judgment has already been entered against you, the options for challenging it are narrower and time-sensitive, which makes getting it reviewed quickly more important, not less.
The Business Dissolution Condition Some Merchants Have Reported
A complaint on AMA Recovery Group’s public BBB profile describes being told that dissolving the business’s corporate entity was a prerequisite to even discussing a settlement, and a separate dispute over a lien filed against a dissolved business with a different EIN than the one actually under collection. This is worth knowing before you agree to any precondition on negotiating, since dissolving a business entity can have consequences beyond this one debt, and confirming that any lien or claim is actually tied to the correct legal entity is something worth checking before you act on it, not after.
What “Asset Skipping” and Judgment Liquidation Actually Mean
AMA Recovery Group markets a service to locate merchants and their assets when a business has stopped responding, and a separate service to convert an existing judgment into actual money collected. In practice, this means going quiet doesn’t end the collection process, it can shift it toward locating bank accounts, receivables, or other business assets to satisfy a debt or judgment. Understanding which stage your account is at, pre-suit, post-judgment, or somewhere in between, changes what response actually makes sense.
Settling Is Still Possible, But Read Any Conditions Closely
Businesses working with commercial collection agencies often do resolve accounts through negotiation rather than a full judgment. Where that’s realistic for your situation, it’s worth pursuing. It’s also worth having any settlement terms, including any condition tied to dissolving your business or admitting specific facts, reviewed before you agree to them, given the complaint pattern described above.
Why Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC has worked with consumers since 2010 and maintains an A+ rating with the Better Business Bureau. We are not affiliated with AMA Recovery Group, the MCA funders, or lenders involved in these claims. If your business is facing collection efforts over an MCA or commercial loan, we can review the agreement, payment history, and collection documents to help you understand your rights and potential options.
How Our Attorneys Can Help
Reviewing Your Financing Agreement and Account History
We start by looking at the original agreement, the payment history, and how the amount currently claimed was calculated, including whether it matches what your own records show.
Identifying Commercial Defenses Specific to Your Case
If the agreement’s terms raise usury or characterization issues, a lien was filed against the wrong entity, or the account doesn’t match your records, we raise it directly rather than letting it go unaddressed.
Reviewing Any Lawsuit or Confession of Judgment
If AMA has filed suit or is enforcing a confession of judgment, we look at whether it was properly entered and what options remain for responding or challenging it.
Handling Communication Directly
Once we’re representing your business, AMA Recovery Group deals with us, not you directly, including around any settlement conditions they raise.
Negotiating Terms That Don’t Put Your Business at Unnecessary Risk
Where the underlying debt holds up, we work toward terms that make sense for your business’s actual finances, without agreeing to conditions, like dissolving your entity, that aren’t clearly necessary.
A Delinquent File Doesn’t Stay Quiet for Long
AMA Recovery Group’s own process moves from collection into litigation once an account stays unresolved. Getting your account and any paperwork reviewed now, before a deadline or a lien forces the timeline, keeps more options open.
Call 877-700-5790 for a free case review.
Frequently Asked Questions
Is AMA Recovery Group a law firm or a collection agency?
They’re a commercial collections agency, not a law firm, though they use in-house and outside attorneys as part of their process. That distinction matters for how any complaint against their conduct would be raised.
Does the FDCPA protect me if AMA Recovery Group is collecting on my business’s merchant cash advance?
No. The FDCPA only covers personal, family, or household debt, so a commercial account like an MCA or business loan falls outside it. Your protections come from your contract terms, UCC lien rules, and general business law instead.
AMA is asking me to dissolve my LLC before they’ll discuss a settlement. Should I do that?
Not without having it reviewed first. Dissolving a business entity has consequences beyond this one debt, and a public complaint against AMA describes exactly this kind of precondition being tied to a lien dispute afterward.
A lien was filed against a business I already dissolved. Can they still do that?
Whether a lien is valid depends on whether it’s actually tied to the correct legal entity and EIN. This has been a specific point of dispute in at least one public complaint against AMA, so it’s worth confirming rather than assuming it’s accurate.
What does “asset skipping” mean, and does it apply to me?
It refers to AMA’s process for locating a merchant and their assets when a business stops responding or seems to have gone quiet. It’s part of why staying unresponsive doesn’t typically stop collection efforts.
I have a confession of judgment in my original agreement. What does that mean for me?
It can allow a funder to obtain a judgment against you without a full court trial, which is serious. How enforceable it is depends on your state and the specific terms, so this needs prompt review rather than being set aside.
Do they always file a lawsuit, or do most accounts settle first?
Not every account ends in litigation, but AMA’s own materials describe litigation as a standard step for accounts that stay delinquent. Whether your specific account is headed there depends on where things stand now.
Can they pursue my personal assets, not just the business’s?
That depends on whether you personally guaranteed the financing agreement. If you did, personal assets can potentially be at risk, which is worth confirming and planning around early.
What should I do if the amount they’re claiming doesn’t match my payment records?
Request a full breakdown of how the amount was calculated, including any fees or default charges added. Differences do turn up, and reconciling this is part of what a review is meant to catch.
How much does it cost to have my case reviewed?
Nothing upfront. A free case review looks at your specific financing agreement and where your account currently stands before you commit to anything.