ACH Freeze Release & UCC Lien Challenges

Unblock frozen bank accounts and clear liens that lock you out of payroll, vendors, and new financing.

Since 2022 – Hundreds of Accounts Unfrozen

We’ve helped businesses restore access to seized revenues and resume daily operations.

35 + Years in MCA & Bank Workouts

Seasoned attorneys and workout pros negotiate directly with lenders and processors.

Direct Lines to Banks & State Filing Offices

Established contacts speed releases—most freezes lift and liens terminate within three weeks.

What Are ACH Freezes & UCC Lien Challenges?

Remove holds on cash and clear public liens that scare off new lenders

An ACH freeze happens when a lender instructs your bank or processor to lock incoming deposits, cutting off cash flow overnight. A UCC lien is a public filing that claims rights to your receivables and equipment. Releasing freezes and terminating liens restores control of funds and frees up collateral—often the deciding factor in keeping a business afloat.

Book a free consultation today and get your cash moving again.

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Why Ignoring Freezes & Liens Backfires

Hoping the bank “sorts it out” lets lenders tighten their grip and pile on legal fees.

What to Watch Out For

Immediate Cash Crunch

No access to deposits means missed payroll and vendor defaults.

Multiple Draft Attempts

Lenders hit accounts repeatedly, racking up NSF fees.

Credit Score Hits

Prolonged freezes and liens trigger negative reporting.

Lost Financing Opportunities

New lenders refuse deals while liens remain open.

How We Break the Hold

Contact Banks & Processors Fast

We file formal release requests and stand still agreements within 24 hours.

Challenge Liens at the Source

Our attorneys dispute improper UCC filings or negotiate terminations with lenders.

Secure Court or Settlement Orders

When needed, we obtain injunctions or structured pay offs that trigger releases.

Monitor & Confirm Removal

We track status until funds flow and lien records show “terminated.”

4 Step Freeze & Lien Relief Process

Here’s how we convert your MCA payments and put you back in control.

01.

Free Account & Lien Review

We analyse bank letters, processor notices, and UCC filings.

01.

Immediate Legal Response

Motions, release forms, or payoff proposals go to banks and lenders within days.

02.
03.

Release & Termination

Funds begin flowing within agreed limits; UCC‑3 forms file to clear public records.

01.

Post Release Support

We confirm full access, update credit bureaus, and help stop future freezes.

04.
Regain cash flow and unlock new credit

Benefits of Fast Freeze & Lien Relief

Rapidly lifting a bank freeze restores same day access to incoming revenue and deposits, so payroll and supplier bills clear before penalties stack up.

Ready to Unfreeze Your Accounts and Clear Liens?

Free Consultation

Book A Call

Frequently Asked Questions

ACH‑Freeze & UCC‑Lien FAQs

Five most‑searched questions owners ask when bank accounts lock up

With proper filings, most banks release holds within 24–48 hours after receiving the court order or lender stipulation.