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.
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.
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.
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?
Book A Call
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.
Without a court order, many holds last 14–30 days; with a judgment, funds can remain locked until the debt is cleared or legally contested.
Yes—stand‑still agreements suspend debits while negotiations or litigation proceed.
No. Successful termination removes the lien from public record, improving your credit profile.
Many lenders issue conditional approvals pending lien release; we coordinate timing so funds land as soon as records clear.