This blog is a call to arms for anyone who may be a reader of my blog, Second Wind’s blogs, or just happened to read this particular posting.

Debt is clearly a major issue in our country and SBA-backed debt is cutting the legs out from under small businesses nationwide in staggering numbers.  The bank’s plan is close your doors, give us everything you have and then we don’t want to hear from you.  Additionally, Second Wind has found a glaring lack of control systems.

Anyone who went to school, learned in history class that our nation was founded on a system of checks and balances.  We learned that democracy works because it is based on what the masses want.  This is categorically untrue where the SBA and lending is involved.  There is no balancing factor and creditors are running rampant, lining their pockets with pounds of flesh torn from the heart of our working and entrepreneurial class.  It needs to end.  There are many movies that state a simple, but true fact.  A people should never be scared of it’s government.  A government should fear it’s people.  This is doubly true in a democracy, we vote these people into their jobs.  We now need to take a stand on what our choices and the choices of our forebears have let happen.  A system running rampant like a five year old driving a tank.  It is trampling everything in sight.

Here is my proposal and mandate to you.  Take a stand and put some effort into the cause.  I will write a letter to my congressman asking for a redress of a single issue.  The fact that there is no oversight for borrowers to rely on.  I am going to note the SBA specifically.  Bankers and SBA reps make snap judgements based on supposition and choose paths directly in contradiction to factual evidence.  They use delaying tactics to force honest people into bankruptcy rather than accepting viable plans.  Plans based on real numbers.  Write your own letters.  This will be ineffective as a shotgun approach about a number of different issues so focus on debt.  Let them know how it is affecting your lives.  Show them real numbers and facts, not hopes and dreams or whining.  Let’s create a slew of mail that’s impossible to ignore.  Let’s see if our government cares enough about the fallen to give us a response.  We are not asking for a miracle.  We are asking for an oversight department to call when creditors choose to ignore a problem rather than address a real, viable, solution.  I would even be happy with a refusal based on factual information as then I know they are doing something.

Second Wind remains totally successful in this hostile environment, and most of the time we succeed with few issues, but even one bad situation is inappropriate and I wonder what about all those who have not discovered Second Wind and are attempting to go it alone. I pity them as it is a treacherous trail for the unprepared, the unskilled the individual borrower in default.

Let’s show our government that the masses believe that no matter who you are, you still deserve  a response when you are offering a solution.  Not necessarily an acceptance, but just an answer.