The MCA Paperwork: It Looked Real

What made it look real - The contracts

After all the calls and promises, the documents started to arrive.

Matt sent them through DocuSign. At the top were company logos. At the bottom were signatures. One of them even had the name of a lawyer: Jason Caldwell.

Seeing a lawyer’s name made me feel safe. I thought, If a lawyer signed it, this must be real.

The papers were called addendums. They said that once I paid back part of the first loan, I would unlock the next round of money — first $150,000, then $300,000.

Matt told me, “Don’t worry, this is just standard paperwork. You will sign the first loan agreement and the addendum at the same time.” He made it sound routine, like it was just part of the process.

I signed. I trusted the papers. Everything looked official.

But I didn’t know then that Jason Caldwell wasn’t real. His emails came from the same place as Matt’s. The lawyer was fake, the documents were fake, and the promises were fake too.

I thought it was a loan, I didn't know it was MCA paperwork. This was the paperwork that kept me paying, waiting, and believing.

This was the paper game.

And I still had no idea.

I believed the contracts- they looked real.