Factoring company holding me hostage

If such is the case, they can change what they want, whenever and however they want, per the red line.
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Not correct. They are just banking on you not taking them to court. Some blanket "terms and conditions can change at anytime" is not enforceable.

If you're out on your own, keep a corporate litigator on retainer (like $3-5k, and they bill against it if you need something). That way if something goes sideways, you have somebody you can call that is already under contract and will jump on it.

 

Did they say why they will not honor the lien release that you sent them? Who did you correspond with at the factoring company?

 

I have had an attorney for 38+years and it has saved me more headaches than I want to think about by simply keeping me from getting into legal contracts that were NOT ethical not to mention keeping the random fake broken windshield people out of my insurance.

 

I prefer you consult a lawyer to handle your situation legally.

 

Hard to imagine what contract terms you signed that would allow them to keep your pay.
To me it shouldn't matter if your authority is active or not., to receive payment from the factor company.
You need to hire a lawyer to review the contract and (if it's possible) send a letter requesting your money.