All-Caps Debt War Ends in Sworn Retraction as Med-Spa Owner Walks Back MMP Fraud Claims
After blasting MMP Capital before thousands of aesthetic practitioners, Annette Janssen signed a notarized statement saying her fraud accusations were false and intended to pressure the lender over business debt.

She told a Facebook audience of more than 30,000 practitioners that MMP Capital would "LIE LIE LIE AND LIE SOME MORE."
Then Annette Janssen signed a sworn, notarized statement saying the accusations were false.
Janssen, the former Omaha registered nurse behind Thirst IV Hydration LLC, acknowledged that she and her company knowingly made false and defamatory statements about MMP Capital, a Long Island lender that financed equipment for aesthetic medical businesses. In the June 11, 2026, statement, she said the claims had no factual basis and were used to pressure MMP to forgive or alter what she owed.
It was a stunning reversal in a dispute that combined a failed med-spa business, unpaid equipment debt, and a public social media campaign aimed at a lender's reputation.
Janssen ran Thirst IV Hydration as a one-stop shop for IV drips, weight-loss injections, Botox, fillers, and aesthetic laser services. As a registered nurse, not a physician or nurse practitioner, she could not prescribe medicine. Nebraska requires medical supervision for such a practice, and the disciplinary petition says the medical directors who had overseen the clinic ended their agreements over missed payments, protocols Janssen would not follow and, in one instance, alleged misleading information about the business.
The state's scrutiny intensified in 2023. Nebraska Department of Health and Human Services investigators met with Janssen in September and advised her that aesthetic laser procedures required supervision, according to the disciplinary record. When investigators returned the following month, the petition says, she had continued operating. The record also says she was "very pissed" that the state was "digging into such fine detail."
The Nebraska Attorney General's office later filed a nine-count disciplinary petition. Its allegations included operating without a medical director, using another provider's credentials to order prescription drugs, and administering treatments including Semaglutide and Botox without medical orders.
In a 2024 consent order, the state adopted the petition's facts as true, revoked Janssen's multistate nursing license for a minimum of two years, and imposed a $2,500 civil penalty. The related settlement stated that Janssen neither admitted nor denied the allegations in the petition.
Her business debts remained.
MMP had financed equipment intended to support Thirst IV Hydration's growth. When the business stopped making payments, MMP sued for breach of contract. Janssen then took the fight public, posting in the large Facebook group and branding the company a fraud, according to the account of the dispute.
Her later notarized statement tells the other side of that story.
"I and my company, Thirst IV Hydration LLC, knowingly made false and defamatory statements about MMP," Janssen wrote, saying the posts suggested MMP had engaged in dishonest, unethical, or fraudulent conduct. "Those statements were not true and were made without any factual basis."
She also stated that she "attempted to extort MMP" by disseminating the false claims to pressure the company to forgive or modify the debt. The statement acknowledges that the posts reached MMP's current and prospective customers, causing reputational harm, lost business opportunities, and loss of actual and prospective customers.
MMP sent a cease-and-desist letter through the law firm Stevens & Lee in February 2024, according to the account. More than two years after the campaign began, the lender had a signed retraction. Janssen apologized to MMP, its employees, and business partners and gave the company the right to publish the statement in any manner it chooses.
"I am glad the truth finally came out, and we are able to expose the plot for what it was... a money grab," MMP President and CEO JP Smolenski said. "The lesson learned is that there is no shortcut to success. You have to do the work, put the long hours in, and no matter how hard it may be, you have to commit yourself to success when running a business."
Smolenski added, "Unfortunately, we have been seeing this more often in recent years, but I think the message is clear. For anyone contemplating following Janssen's footsteps, there is no happy ending."
There is an old saying: "Winners never cheat, and cheaters never win." In this case, the final record is not an all-caps Facebook warning—it is a notarized admission that the allegations behind it were false.
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