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General postFiled by t_bug · October 4, 2026
Commercial Defaults & Predatory Stacking
Throughout 2026, Lux Nomads, LLC entered into a rapid sequence of high-risk Merchant Cash Advances (MCAs) / future receivable sales, engaging in commercial "stacking."
In doing so, Lux Nomads, Paul Eric Nelson, and Michelle Garabito repeatedly pledged 100% of the company's incoming revenues, bank accounts, and merchant card processing receipts to multiple commercial lenders.
MCA contracts shield business owners from personal liability only if business revenues decline naturally. However, stacking and bank tampering constitute bad-faith "carve-outs."
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