CONFIRMED · Utah UCC-1 filings and filing images; Connecticut and New York court dockets
The cash-advance lenders that bound Legally Mine’s receivables did not put their own names on the public record. Each of the 2025 blanket liens names, as the secured party, a corporate filing-agent acting “as Representative,” a screen a lender can buy so that its own name never reaches the public index. A UCC-1 exists to be seen: it is how the world learns that a creditor has a claim on everything a company earns. On these filings the claim is public and the claimant is a proxy. Three of the funders behind the proxy are now identified, from their own lawsuits and one address slip. One is still hidden. And the month the entire stack of liens was cleared is the same month the Legally Mine brand was moved to a fresh shell.
On the Utah liens against Legally Mine, the secured-party line does not read Swiss Fund, or DIB Capital, or the funder behind the last filing. It reads “C T Corporation System, as Representative” or “Corporation Service Company, as Representative.” Those are two of the largest corporate-filing agents in the country, and each sells a service whose function is precisely to sit in the secured-party box so the lender behind it stays off the record. Naming an agent this way is lawful and common in the merchant-cash-advance trade. What it costs is transparency: a person searching the public record to learn who holds a lien on all of a company’s receivables is shown a filing agent, not a creditor.
The screen held unevenly, and how each name surfaced is its own tell.
Swiss Fund LLC filed on January 3, 2025 through “CT Corporation System, as Representative” at the agent’s generic Glendale, California address. The name behind it appears nowhere on the lien. It surfaced only because Swiss sued: its Connecticut collection action, Swiss Fund LLC v. Legally Mine LLC, docket FST-CV-25-6072810-S, names the lender in the caption. That is the same complaint that bound the six commonly-controlled Legally Mine entities as one collateral pool and swore that “McNeff owns and controls Legally Mine.” Swiss withdrew the action on July 15, 2025.
DIB Capital Inc. filed five days later, on January 8, 2025, also through “CT Corp as Representative.” But its filing carries a slip: the address printed in the secured-party box is not the agent’s. It is 2433 Knapp Street, Suite 203A, Brooklyn, the office of Madeb Law PLLC, the firm that is DIB’s own counsel of record in its New York suit against Legally Mine, docket 516236/2025. The nominee kept DIB’s name off the lien and left DIB’s lawyer’s address on it. DIB settled by stipulation.
Castle Funding Corp. is the exception that proves the pattern. It filed on March 24, 2025 in its own name, no representative screen, and sued in its own name in New York, docket 158140/2025 (discontinued with prejudice February 2, 2026). Castle used the same filing agent, CSC, as a clerk; it simply did not buy the mask.
The last lien in the stack is the one that stayed dark. Filed June 20, 2025 through “Corporation Service Company, as Representative,” it names no lender, generated no public lawsuit, and was terminated on July 1, 2026 with the funder’s identity intact. On the public record, the creditor that most recently held a first claim on every dollar Legally Mine collected is unknown.
Two of the masked filings also carry a fainter mark. On the images, the Swiss and DIB liens each bear an optional filer-reference number in the same CT Corporation series, 102331292 and 102397040, issued within days of one another and matching the five-day gap between the filings themselves. Sequential agent references filed that close together are consistent with a single broker routing both advances through the same agent. That is an inference from the numbers, not a named party, and it is graded as one.
Read the termination dates together, because that is where the record speaks. The 2025 liens were released in one tight run:
April 13, 2026: DIB and Castle, terminated the same day. April 23, 2026: one of the 2024 blanket liens. May 7, 2026: the Swiss six-entity cross-collateral pool. July 1, 2026: the last, still-masked filing.
Now set the entity records beside them. On May 21, 2026 at 4:49 p.m., the operating company “Legally Mine, LLC” was amended to “LM OLDCO, LLC,” and its sister “Legally Mine Tax and Accounting” became “LMTA OLDCO” in the same minute. Eight days later, on May 29, 2026, the “Legally Mine” and “Legally Mine Tax and Accounting” names were re-registered as assumed names owned by a new company, Centra Wealth Solutions, LLC. The blanket liens were coming off the old entity in the very window the brand was being lifted out of it. You cannot hand a clean name to a fresh shell while all-asset liens still sit on the old one, so the liens came off first. The public record shows no 2026 replacement financing statement in any new lender’s name and no bankruptcy petition for Legally Mine or its principal; the individual actions were each resolved just before their liens were released. The clearing was real; that it was coordinated with the brand move is the inference the calendar supports.
The largest judgment against the Legally Mine group is not one of the three that reached a public complaint. On April 27, 2025, a $816,500 judgment by confession was entered in Utah’s Third District, docket 250903203, in favor of TVT Capital Source LLC, against a nine-defendant cluster that included Legally Mine, Legal Bear, Asset Protection Leader, LMRA Services, Veil Corporate, Bear-Elf, Utah Sport Fencing Center, and Daniel McNeff individually. A confession of judgment is entered without any adversarial process; it was marked satisfied on August 11, 2025. And the stack’s origin runs back to 2021, to Favo Funding LLC, which bought two rounds of Legally Mine’s future receivables that year, $123,250 and $140,000, at deep discounts, both released by 2023. The 2025 siege was the second wave, not the first.
The funders behind the “as Representative” screen are not random shells. They trace to one cluster: the Yitzchakov, also spelled Isaacoff, family’s “Funderz” merchant-cash network, run from a Stamford, Connecticut and Miami Beach nest through the same CT Corporation and CSC masking desk. Swiss traces to the Isaacov Stamford address; the identifications rest on the funders’ own filings and address slips, and the pierces behind the mask carry their own grades. That network is not an open question. A federal court in Manhattan has already adjudicated it as a civil racketeering enterprise built on criminally usurious lending, Lateral Recovery LLC v. BMF Advance, LLC, No. 1:22-cv-02170 (S.D.N.Y.), with Joseph Isaacoff and the Funderz vehicles as defendants.
It is worth being precise about which side of that second, separate racketeering case Legally Mine sits on, because it is not the side the rest of this investigation puts it on. There the funders are the racketeers and the borrower is the victim. On the usury axis Legally Mine is the merchant that was squeezed, the debtor that paid the tribute, Swiss repaid and the $816,500 confessed to TVT satisfied, not a co-owner of the pool. That is the opposite side of the ledger from the franchise story, and the two do not merge: a shared technique and a shared masking desk are not shared ownership. Both can be true on their own separate axes, a borrower preyed upon by an adjudicated usury enterprise, and, elsewhere, an operator of the judgment-proofing product it sells to others. The one finding does not cancel the other. This update is about the first.
INFERENCE · the coordination of the lien-clearing with the brand transfer is drawn from the dated public filings, not from any statement of intent
Every lender named here is a party of public record in its own filed lien or lawsuit. The nominee-agent practice is lawful; the identifications rest on the funders’ own court filings and the documents’ own text. Legally Mine, its successor, and every person named are presumed innocent, and nothing here has been adjudicated as wrongdoing.
The BAM Map is independent reporting on matters of public concern. Nothing here is a finding of any person’s guilt; the criminal charges referenced are unadjudicated and every defendant is presumed innocent. Sources are linked so readers can check the record. · Home · Map · The law · Bodycam