The Investigation: How I Found the Truth Behind MCA Fraud

From forgery and aliases to an MCA fraud enterprise bigger than I could dream

Learning that “Matt Owens” and “Jason Caldwell” weren’t real was only the start. Once the mask came off, the story didn’t shrink — it exploded.

I spent hours digging through anything and everything I could find on the internet. Every trail seemed to hit a dead end. The names were fake. The emails were fake. The contracts were fake. It was designed so no one could ever find the real person behind it.

But then came the slip.

At one point, buried in the middle of weeks of back-and-forth, the man I knew as “Matt” had contacted me using a different phone number..... a quick Google search and I found it. He used a real cell phone number. Not a VoIP app. Not a masked line. His actual phone.

That one mistake changed everything.

I traced the number. And behind it wasn’t “Matt Owens” or “Jason Caldwell.” It was Gabriel Shamuelov, 21 years old, living in Rego Park, New York.

From there, the pieces started falling into place. Once I knew his real name, I began uncovering the network:

• The broker that brought the deal in under his alias (Gabriel Shamuelov)

• The brokerage company that Gabriel worked for (EZ Advance LLC)

• The funding company that was the face of the deal (Superfast Capital)

• The paper funder that was in the contract (Alternative Capital Group LLC)

• The servicer that pulled weekly debits from my account (Top Choice Financial LLC)

• The collectors that threatened me when payments were questioned (Cure Payment Recovery Solutions LLC)

• The investment platform that fueled it all with outside money (SuperVest Inc)

One by one, the companies revealed themselves. Many I had never heard of before. But they were all connected, and all tied back to Gabriel’s scam.

It wasn’t one shady broker anymore. A 22 year old could never put this all together by himself, he had help. It was an orchestrated enterprise hiding in plain sight.

I decided to confront them.

I sent demand letters to every company I could identify. In those letters, I laid out the facts: fake identities, forged contracts, unauthorized liens, and deceptive practices. I gave them the chance to make it right.

Not one of them denied it. Not one.

Instead, they circled up and sent me a single response through one man: Andrew Baldwin, from Superfast Capital. 

His letter didn’t fix anything. Instead, it offered a conditional rescission:

• I could “resolve” the deal — but only if I returned every dollar of the principal within five days,

• If I didn’t, the contract would stay in place and I’d still owe the full amount.

This wasn’t an attempt to undo the fraud. It was a pressure tactic. A way to protect themselves while still leaving me trapped.

But that response revealed something bigger. It showed me that all these separate companies weren’t acting separately at all. They were working together, sharing information, and coordinating a cover-up.

I did not think there would be a way that I could get them to crack. How could I, a small business owner, stand up against a multi-million fraudulent enterprise?

I was starting to feel hopeless, but I was not going to give up. I was determined to find out more. I wanted the truth. I wanted to know who was behind this, and how many victims were out there. And then came the twist.

I found someone on the inside. A whistleblower.

This person confirmed what I suspected: the broker, the funder, the collectors, even the investment platform — they weren’t independent. They were part of one system. Information moved freely between them, even after the fraud was discovered.

The fake names weren’t just Gabriel’s trick. They were part of a culture that looked the other way, because everyone was making money as long as merchants kept paying.

That was the moment I realized I wasn’t just dealing with a single bad loan.

I was looking at an enterprise. The potential was for thousands of victims....

And thanks to the whistleblower, I was about to learn just how deep and wide it really went...

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I investigated everything under a magnifying glass