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Brokers & Harassment

Your Rights & the Law

TCPA, cease-and-desist letters, evidence and what protections actually apply to a business line.

All Brokers Industry Scams Broker Tactics Your Rights & the Law
A brass sliding deadbolt is securely locked across the screen of a smartphone on an office desk. Your Rights & the Law

Stop the Calls, Part 33: The broker slid into your business DMs. Lock the door.

A broker you hung up on shows up in your LinkedIn and Instagram DMs the next morning. Here's the written stop line, the report-and-block steps and the four settings that lock your…

Nov 4 · Stop the Calls
 A brass padlock clamps shut around a smartphone resting on a wooden desk beside an unplugged telephone receiver. Your Rights & the Law

Stop the Calls, Part 32: The broker moved the pitch to WhatsApp. Now what?

A broker you hung up on shows up in your WhatsApp 4 minutes later. Here's the full-sentence stop message, the block-and-report taps and the one setting that shut a chat-app pitch…

Nov 2 · Stop the Calls
 A black telephone receiver rests beside a silver badge concealing a snap trap under harsh desk lighting. Your Rights & the Law

Stop the Calls, Part 31: "I'm with the SBA." Then why the bridge loan?

A caller says he's with the SBA, then pitches a bridge advance. Here's the one-question sort that tells SBA staff, lenders and brokers apart before you give a single number.

Nov 2 · Stop the Calls
 An off-the-hook telephone rests under a desk lamp next to a Rolodex filled with completely blank cards. Your Rights & the Law

Stop the Calls, Part 30: "Your accountant referred us." Which one?

A caller says your accountant sent him, but he won't say which one. Here's the blind referral check that tests the claim without giving him a single fact.

Nov 1 · Stop the Calls
 A telephone receiver lies off the hook next to an open file folder under a magnifying glass on a dark wooden desk. Your Rights & the Law

Stop the Calls, Part 29: "Your funder sold your account to us." Did they?

A caller says your funder sold your advance to his company and wants your bank statements. Here's the 20-minute check that shows who really holds your account.

Nov 1 · Stop the Calls
 A landline phone sits off the hook beside a blank sheet of paper impaled by a large metal fishhook. Your Rights & the Law

Stop the Calls, Part 28: "We found an error in your application." What application?

A caller says there's an error on an application you never sent. Here are the three questions to ask, and why you should correct nothing.

Oct 30 · Stop the Calls
 Morning sunlight strikes a desk phone with its vibrating receiver knocked off the cradle beside a full coffee mug. Your Rights & the Law

Stop the Calls, Part 27: You said no at 4 PM. They called back at 8:05 AM.

A broker hears no at 4 PM and calls back at 8:05 AM with a "better offer." Here's why no doesn't end the calls, and the two sentences that do.

Oct 30 · Stop the Calls
 A glowing smartphone illuminates a paper contract late at night, with a magnifying glass focusing on dense lines of print. Your Rights & the Law

Stop the Calls, Part 26: the e-sign link texted at 9 PM, and the 6 lines to read first

A broker texts an e-sign link at 9:14 PM and says the offer expires at midnight. Here's the one-day script and the 6 contract lines to find before you tap Sign.

Oct 30 · Stop the Calls
 A telephone receiver sits off the hook beside a heavy brass padlock locking a stack of paper documents. Your Rights & the Law

Stop the Calls, Part 25: "We just need your bank login." Send this instead

A caller says he just needs your bank login to verify revenue. Here's the script that sends PDF statements instead, and the five steps to take if you already gave it.

Oct 27 · Stop the Calls
 A paper masquerade mask slips off a telephone receiver resting beside a brass magnifying glass on a wooden desk. Your Rights & the Law

Stop the Calls, Part 24: "I'm not a broker, I'm the lender." Here's how to check

A caller swears he's the direct lender, not a broker. Here are the four questions to ask by email, and the public records that show who is really on the line.

Oct 26 · Stop the Calls
 A brass hourglass rests on its side next to a face-down smartphone and a closed manila folder on a wooden desk. Your Rights & the Law

Stop the Calls, Part 23: The "your file closes today" text and the deadline you never set

A text says your funding file closes today at 5 PM. Here's the four-step test that tells a real offer from a sales clock, and the email that sets your own deadline.

Oct 25 · Stop the Calls
 A glowing smartphone on a wooden desk is tethered to an open paper file folder by a taut red thread under a desk lamp. Your Rights & the Law

Stop the Calls, Part 22: the "pre-approved" text that knows your exact number

A text says you're pre-approved for the exact amount you once applied for. Here's how to trace where that number came from, and the one reply and one email that follow.

Oct 24 · Stop the Calls
 A vintage black telephone with a severed cord sits on a wooden desk beside heavy shears and five brass keys on a ring. Your Rights & the Law

Stop the Calls, Part 21: "We'll pay off your advance." Ask these 5 questions first

A caller says they'll pay off your advance and cut your daily payment. Here are five questions that sort a real offer from a pitch, and the line that ends the call when they can't…

Oct 23 · Stop the Calls
 A vintage desk phone with its receiver off the hook, draped in a plain masquerade mask on a wooden surface. Your Rights & the Law

Stop the Calls, Part 20: is that really your funder calling about a renewal?

A renewal call from your own funder is normal. A broker borrowing its name is not, and a two-minute call-back test tells them apart.

Oct 22 · Stop the Calls
 A desk telephone wearing a paper masquerade mask sits beside an open notebook and pencil under harsh lamplight. Your Rights & the Law

Stop the Calls, Part 14: when the "local" number is not local at all

Same funding pitch, different local-looking digits. Neighbor spoofing makes caller ID look nearby. Log the pitch, not every new number.

Oct 16 · Stop the Calls
 A brass padlock clasps the cord of an office telephone beside an open Rolodex of clean contact cards on a wooden desk. Your Rights & the Law

Stop the Calls, Part 13: ask your carrier to block, then whitelist the real ones

Blocking without a whitelist trades broker spam for angry regulars.

Oct 15 · Stop the Calls
 A telephone with a tangled cord sits before three closed doors, with a paper sliding into a brass mail slot. Your Rights & the Law

Stop the Calls, Part 12: which form do you file when they won't stop?

Pick the door that matches what happened.

Oct 14 · Stop the Calls
 A telephone receiver rattles on a wooden table beside a steaming coffee mug in dim pre-dawn light. Your Rights & the Law

Stop the Calls, Part 11: they rang at 7:12 a.m. Was that even allowed?

Broker called at 7:12 a.m.? Federal rules bar sales calls before 8 a.m. or after 9 p.m.; Texas and Florida go further. Log the time and send a written stop.

Oct 13 · Stop the Calls
 A black telephone receiver pins a document to a desk next to heavy shears that cleanly severed the coiled phone cord. Your Rights & the Law

Stop the Calls, Part 10: "You already gave us consent." Did you?

Broker says you already gave consent? Ask four questions about that form, then revoke it in one sentence. Copy-paste script plus the FCC rules, cited.

Oct 12 · Stop the Calls
 A desk telephone wearing a paper mask sits beside a pile of identical masks and shears resting across the cord. Your Rights & the Law

Stop the Calls, Part 9: same pitch, new company name

New company name, same broker pitch? Ask who they're calling for, then use one stop sentence that asks to cover affiliates. Script and the FCC rules behind it.

Oct 11 · Stop the Calls
 A silent office telephone sits on its cradle as dark cassette tape unfurls from beneath the handset across an open ledger. Your Rights & the Law

Stop the Calls, Part 8: the voicemail that never rang

A voicemail that never rang is still a call. A 4-step routine for ringless voicemail funding pitches: save it, log it, opt out, don't call back.

Oct 10 · Stop the Calls
 Heavy iron shears snip a taut red string running from a smartphone on a dark wooden desk. Your Rights & the Law

Stop the Calls, Part 7: one word ends the text thread

A funding pitch hits your texts. Don't write a paragraph. The FCC's seven stop words, a 3-step text routine, and the one reply they're allowed to send.

Oct 9 · Stop the Calls
 An office telephone rests with its cord unplugged next to an open notebook and a pen in quiet afternoon light. Your Rights & the Law

How to stop MCA brokers from calling you

Tell each broker on the call to put your number on its internal do-not-call list. Then send the same request in writing, log every call after it, register your personal cell at…

Oct 8 · Know Your Rights
 A stretched telephone cord leads from a receiver into an open metal file drawer under a focused desk lamp. Your Rights & the Law

Stop the Calls, Part 6: who sold them your number?

When one does name a vendor, that name is worth more than the call.

Oct 8 · Stop the Calls
 A desk phone resting silently in its cradle beside a cassette answering machine with reels slowly turning. Your Rights & the Law

Stop the Calls, Part 5: let the screener take call nine

That's the Part 1 script, spoken for you, on every call.

Oct 7 · Stop the Calls
 An open manila file folder surrounded by three tangled telephone handsets off the hook on a wooden desk. Your Rights & the Law

Stop the Calls, Part 4: how did they know you got funded last week?

It's a new filing with your name on it.

Oct 6 · Stop the Calls
 An office phone off the hook beside an open gridded notebook with five tangled cords on a wooden desk. Your Rights & the Law

Stop the Calls, Part 3: the 6-column call log that survives a new caller ID every hour

Five different numbers don't hide one pitch.

Oct 5 · Stop the Calls
 A sealed envelope with a red wax stamp rests heavily across an office telephone handset, keeping it quiet. Your Rights & the Law

Stop the Calls, Part 2: send the stop request in writing, not on the phone

You have no proof they heard you.

Oct 4 · Stop the Calls
 An office phone receiver sits off the hook beside a small hourglass and a pencil resting on a lined ledger. Your Rights & the Law

Stop the Calls, Part 1: the 22-second script that ends a broker call

Call nine before lunch. A 22-second script, a four-field log, and the FTC/FCC rights that apply when MCA brokers won't stop dialing.

Oct 3 · Stop the Calls
 A black desk phone sits muffled under a heavy glass bell jar on a sunlit wooden counter next to an unplugged cord. Your Rights & the Law

How to stop 20 MCA broker calls a day when you are at your breaking point

If getting 20 broker calls a day is driving you to a breaking point, take a step back. Here is how to kill the noise and take control of your phone line.

Aug 1 · Confessions
 A glowing smartphone sits on a wooden desk with a long paper trail leading to neat stacks of cash beside each fold. Your Rights & the Law

They called 9 times after you said stop. Now what?

What the TCPA is, how to tell unwanted callers to stop in writing, how to log every call, and where to report them to the FTC and FCC.

Jul 27 · Know Your Rights
 Tangled office phone cords encircle a paper contract on a wooden desk as phone receivers vibrate off their bases. Your Rights & the Law

The Deal That Died on Ring Eleven

A merchant one signature from a two-million-dollar project walked away because his phone would not stop ringing. I was one of the brokers calling.

Jul 23 · Confessions

Getting the calls? Shut it down.

Check a broker, then use the finance skill in your own AI. MCAFax has no user accounts and no sign-up.

Open the finance skill