What is a coj certificate of judgement?

What is a coj certificate of judgement?

A coj certificate of judgement is a legal document lenders can use to take quick and easy legal action against their customer.   If you want funding without a COJ, apply below now.    Get a loan without a coj.
When the merchant cash advance company declares a default, a completed coj certificate of judgement allows mca companies to easily take legal action against a merchant.  This usually happens without traditional court proceedings or a trial.  The merchant has already providing a notarized signature authorizing the merchant cash advance company to get a default judgement or summary default judgement against them.
Get funding without a COJ Now
Or call us at Tel:  1-919-771-4177, or Question? 

What are your options ?
Get a mca merchant cash advance or business loan without a coj certificate of judgment. We have business loan programs that do not require a coj, including large business loans to get out of your cash advances,  bank statement loans, loans against equipment, asset based loans and other options such as paying off your mca merchant cash advances.    Apply now, above to get all of the options available to you.


What is a coj certificate of judgement
What is a coj certificate of judgement? I need to stop a coj.

F.A.Q.’s frequently asked questions and comments.   Different ways to stop a coj, get out of a coj and deal with a coj certificate of judgement.

How can I stop a coj certificate of judgement?
I need to get out of a coj certificate of judgement proceeding.

If you feel a lender is about to take action against you, you can do the following to try to stop it.

  1. Contact the lender to try to come to a last minute agreement on a repayment plan, payment arrangement, settlement, or any type of agreement.
  2. Continue to actively communicate with the mca merchant advance company.   When the merchant does not communicate with the funder or lender, such as avoiding calls and not reply to correspondences, the merchant cash company takes the strongest action.
  3. Keep paying the daily payments if possible while you work towards a solution.  When the merchant stops payment on their daily advance causing the daily merchant cash advance payment to not be paid and rejected, the mca merchant cash advance company may declare a default.
  4. Keep the business checking account from which the daily payment is drawn open.   Anytime the merchant closes their business checking account and the daily merchant cash advance payment bounces and is rejected, the mca merchant cash company can declare it an immediate default.
  5. Stay visible, open and available.    Sometimes a merchant disappears or if you go out of business, it  shows the mca merchant cash advance company that you are still trying to work with them and reduce their losses.   They may still decide to negotiate with you and agree to a workout solution.

Should I close a loan if the lender or mca company is asking for a coj certificate of judgement?
First decide what is the likelihood of your defaulting.    If you feel there may be too much of a chance of your having cash flow problems, try to obtain a business loan that does not require this.   Apply with us above.

What can a lender do with a certificate of judgement?
It depends on the company you are dealing with and your cash flow situation.  Most funders or lenders normally do not follow through and take court action with the coj certificate of judgement unless the customer intentionally and actively does not communicate.

More faq’s frequently asked coj certificate of judgement questions:

Question: What will an mca merchant cash advance company do to me with a coj certificate of judgement?   I want to stop a coj certificate of judgement against me.
The lender can get a court that day to automatically request and receive a default judgement.   Once they receive this, they can contact your banks and have available funds debited to pay your debt with them.
Read the certificate closely.   Clearly understand under what circumstances the coj certificate of judgement allows the lender to take court action against your business.

Question: Can the merchant cash advance company shut down my business and shut my doors?
In practice it is rare.  While there may be language in the contracts that states they can do this, it is rarely done in practice.   If the merchant is making a good faith effort to payoff the debt or even come to a workout solution, this will rarely happen.  Even rarer will be for the lender to come to the physical location and attempt to lock the doors.   This can be challenged.

Question: How can I get a mca merchant cash advance or business loan without a coj certificate of judgement?
Contact us above today.    We offer many business loans that do not require this.

Question: How can I protect myself against a coj?
Get a business loan or merchant cash advance that does not require a coj certificate of Judgement.   In addition, you can ask a Lender if it is required when you first apply.

Question: I signed a coj certificate of judgement.   Can I cancel a coj?   How do I stop the lender from filing a coj?
Call the lender to see if you can still work out a repayment solution.
If not, consider contacting an attorney to represent your rights to avoid
your account being overdrawn or shut down.
Contact your bank and ask them if you can prevent them from acting on a court order or if there are any ways to delay a court order or stay a court order.

If your business is behind on a Merchant cash advance, try to work with the lenders as much as possible on a workout solution.   When you work with the lenders as much as possible, their tendency is much more to not exercise a COJ Certificate of Judgement.

Third party options involving a COJ Certificate of Judgement

We are of the opinion your business should not hire or contract with a debt settlement relief company.   Lenders do not like these arrangements.   Their contract is with your business, not a 3rd party.

Can I get an attorney to take court action to get me out of a COJ Certificate of Judgement?
This will be difficult.   If your business has defaulted and the funder has declared a default, there may be little that can be done quickly.    You can seek counsel quickly to determine your options and if legal intervention on your part is still possible and makes sense.   There may be bankruptcy relief options as a last resort although workout solutions are usually a better and less drastic action.

I am not signing a COJ Certificate of Judgement.
You do not have to sign it.   You can look for a lending program that does not require this.   We offer multiple programs without a COJ.

How do I know the lender won’t take action against me anytime once they have a COJ Certificate of Judgement?
If you have not defaulted, then action on the lender’s part should not be expected.

More financing options are available to match your business’ profile. Read and click on program options below:

Representatives service the following cities in the western region and can be contacted.

Alaska, Hawaii and California

In Anaheim, CA and Anchorage, AK. Bakersfield, CA and also in Carlsbad, CA. Chula Vista and also Fontana, CA. Fremont, CA and in Fresno, CA. Hayward, CA and Honolulu HI.  Irvine, CA and in Madera, CA. Modesto, CA and also Merced, CA.  Oakland, CA and in Ontario, CA. Oxnard, CA and Riverside, CA. Roseville, CA and in San Francisco, CA. San Jose, CA and also San Diego, CA. Santa Ana, CA and in Santa Clara, CA. Santa Rosa, CA and Sacramento, CA. Salinas, CA and in San Bernardino, CA. In Santa Barbara, CA and also Santa Maria, CA. Sunnyvale, CA and in Stockton, CA. Thousand Oaks, CA and Vallejo, CA. Ventura, CA and also in Visalia, CA.

West Region:

Representatives in the following cities may also be contacted:

Nevada, Oregon and Washington:

In Bellevue, Washington and Eugene, OR. Everett, WA and in Henderson, NV.  Kent, Washington in addition to Las Vegas, NV.  Olympia, WA and also Portland.  Reno, NV and Seattle, WA. Olympia, WA and in Paradise, NV.  Portland, OR in Renton, Washington.   Salem, OR and in Seattle, WA.  Sparks, NV as well as Spokane, WA. Tacoma, WA, Vancouver, Washington and Yakima, Washington.

Arizona and Utah:

Albuquerque, AZ and Avondale, AZ.  Chandler, AZ and in Flagstaff, AZ.  Gilbert, AZ and in Glendale, AZ.  Goodyear, AZ and also Mesa, AZ. Nogales, AZ as well as Ogden, UT.  Phoenix, AZ and in Peoria, AZ.  Provo, UT and Scottsdale, AZ. Salt Lake City, UT and also Scottsdale, AZ.  Surprise, AZ and aslo in Tempe, Arizona.  Tucson, AZ, Yuma, AZ and San Tan Valley, AZ.

Colorado, Idaho, Montana, New Mexico and Wyoming:

In Albuquerque, NM, Aurora, CO.  Boise, ID and in Cheyenne, WY.  Colorado Springs, CO as well as Denver, CO.  Helena, MT and Lakewood, CO as well as Santa Fe, NM.

South Region:  

Consultants in the following cities can be called to schedule a same day appointment
or call: 

Kentucky, Virginia, Washington, D.C., and West Virginia: In Alexandria, VA and Arlington, VA. Chesapeake, VA and in Hampton, VA.  Huntington, WV and also in Kenner, VA and Lexington, KY. Louisville, KY as well as Lynchburg, Virginia.  Newport News, VA and in Norfolk, VA.  Petersburg, VA and also in Portsmouth, Virginia.  Richmond, VA and Roanoke, Virginia.  In Suffolk, Virginia and also Virginia Beach, VA.

North Carolina, South Carolina:

In Anderson, SC and Asheville, NC.  Cary, North Carolina and also in Chapel Hill, NC. Charleston, SC and in Charlotte, NC. Chattanooga, TN as well as Columbia, SC. Concord, NC and Davidson, TN. Dunn, NC, Durham, NC and Fayetteville, NC. Franklin, TN, Gastonia, NC. as also in Greensboro, NC. Greenville, SC,  Henderson, NC as well as Hickory, NC. High Point, NC, Kingsport, TN and Knoxville, TN.  In Maudlin, SC, Memphis, TN and also Morristown, TN. Murfreesboro, TN, Myrtle Beach, SC and Nashville, TN.  North Charleston, South Carolina as well as Raleigh, NC. Sanford, NC, Lenoir City, TN and in Shelbyville, TN. Spartanburg, SC, Wilmington, North Carolina and Winston-Salem, NC.


In Cape Coral, FL, Clearwater, FL and Daytona Beach, FL. In Jupiter, FL, Fort Myers, FL as well as Ft. Lauderdale, FL. Hialeah, FL, Jacksonville, FL and Lakeland, FL.  Melbourne, FL, Miami, FL and Ocala, FL.  Pensacola, FL, Kissimmee, FL as well as Naples, FL. Orlando, FL, Ormond Beach, FL and also in Palatka, FL.   In Palm Bay, FL, Pensacola, FL and also Port St. Lucie, FL. Saint Petersburg, FL, Sanford, FL and Tallahassee, FL. In Tampa, FL, West Palm Beach, FL as well as Winter Haven, FL.

Alabama, Georgia, and Mississippi:

In Atlanta, GA, Augusta, GA and Birmingham, AL.  Gulfport, MS, Hoover, AL and also Huntsville, AL. Jackson, MS, Mobile, AL as well as Montgomery, AL. Savannah, GA,  St. Mary’s GA and also in Talladega, AL.

Arkansas and Louisiana:

In Baton Rouge, LA and Fayetteville, AR.  Forrest City, AR,  Lafayette, LA and Little Rock, AR. Metairie, LA and New Orleans, Louisiana. Baton Rouge, Louisiana, Shreveport, Louisiana and also Lafayette, Louisiana.

Oklahoma and Texas:

In Arlington, TX and Austin, TX.  Bartlesville, OK, Beaumont, TX and in Corpus Christi, TX. Dallas, TX, Edinburg, TX and in El Paso, TX.  Ft. Worth, TX, Houston, TX as well as Killeen, TX. Lafayette, LA, Mission, TX and Muskogee, OK.  Oklahoma City, OK, McAllen, TX and also in New Braunfels, TX.  Round Rock, TX, San Antonio, TX, as well as Shawnee, OK.  Sugarland, TX, and The Woodlands, TX as well as Tulsa, OK.

Midwest Region:
Representatives in the following Midwest cities can be contacted:

Illinois, Indiana, Wisconsin:

In Anderson, IN, Carmel, IN, and Aurora, Illinois.  Chicago, Illinois, Elgin, Illinois as well as Rockford, Illinois.  Joliet, Illinois, Lee’s Summit, Missouri and in Naperville, Illinois.  Springfield,  Illinois,  Peoria, Illinois and also in Elgin, Illinois.  Waukegan, Illinois, Cicero Town, Illinois as well as Champaign, Illinois.  Bloomington, Illinois, Decatur, Illinois and Eau Claire, WI.  Fort Wayne, IN, Gary, IN and in Indianapolis, IN.  Madison, WI, Milwaukee, WI and Naperville, IL.  Green Bay, Wisconsin, Kenosha, Wisconsin, and Peoria, IL.  Racine, WI, Springfield, IL and also Waukesha, WI.

Michigan and Ohio:

In Akron, OH, Ann Arbor, MI and Canton, OH.  Cincinnati, OH, Cleveland, OH and also Columbus, OH.  Dayton, OH, Dearborn, MI and in Detroit, MI.  Flint, MI, Grand Rapids, MI as well as Marion, OH. Maysville, OH, Muskegon, MI and Parma, Ohio.  Toledo, OH, Wilmington, OH, Wyoming, MI and also  Youngstown, OH.

Kansas, Nebraska, North Dakota and South Dakota:

In Council Bluffs, NE and Kansas City, MO.  Lawrence, KS, Omaha, NE as well as Wichita, KS.

Iowa, Minnesota, and Missouri:

In Bloomington, MN and Columbia, MO. Davenport, IA, and also Des Moines, IA.  Duluth, MN and also Independence, Missouri.  Kansas City, Missouri and Minneapolis, MN. Overland Park, MO as well as Rochester, Minnesota.  Springfield, MO, St. Charles, MO as well as St. Joseph, MO.   Springfield, Missouri and St. Louis, Missouri.  St. Paul, Minnesota and St. Cloud, MN.

Northeast Region:

New York:

In Albany, NY,  Batavia, NY and Buffalo, NY.  Cheektowaga, NY, New York City, NY as well as Niagara Falls, NY.  Rochester, NY, Schenectady, NY, Seneca Falls, NY and Syracuse, NY.

Maine, Vermont, New Hampshire and Massachusetts:

In Bangor, ME and Boston, MA. Burlington, VT, Cambridge, MA and Concord, NH. Montpelier, VT, Newton, MA as well as Portland, ME.  Providence, MA and Springfield, MA. In Warwick, MA as well as Worcester, MA.

Pennsylvania, Maryland and Delaware:

In Allentown, PA and Baltimore, MD.  Bethlehem, PA, Columbia, MD and Dover, DE. Harrisburg, PA, Lancaster, PA and in Lansing, MI.  Lebanon, PA, Manchester, PA as well as New Castle, PA.  Philadelphia, PA, Pittsburgh, PA and also Reading, PA. In Salisbury, MD, Scranton, PA and Towson, MD.  In Weirton, PA, Wilmington, DE and also in York, PA.

Connecticut, New Jersey and Rhode Island:

In Bridgeport, CT and Camden, NJ.  Hartford, CT, Jersey City, NJ as well as Milford, CT.  New Haven, CT,  New London, CT and Newark, NJ.  Norwalk, CT and Norwich, CT.  Providence, RI, Stamford, CT and also in Trenton, NJ.

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