i am the poster child

The bankruptcy laws were put in place in the early mid part of the 1900s and they were created in order to allow people who owed money for some reason or another to become productive members of society again. If you owe $100,000 and you make $25,000, you will obviously never be able to pay that off and thus why would you bother working knowing that you will spend your life in debt and never be able to move forward. Thus bankruptcy laws allowed you a fresh start.

Sept 19-20th, 1999 Hurricane Floyd wiped my business out (yea, me and hurricanes do not get along). I woke up the next morning with no business, no income and over $400K in debt ... overnight. I struggled for 2 years as I never wanted to file bankruptcy and could not accept the fac that it could be my only way out. Aug 2001 I filed and was free and clear by the end of the year.

Basically, I screwed people and businesses out of $400K and got to move on or at least that is how I thought about it for a long time.

Since that time, I started a business that generates millions of dollars a year in sales, pays way too much taxes (but I don't complain), bought a house and pay real estate taxes and employ 9 people and pay their salaries along with payrol taxes and have generated way more profits for other business than I "screwed" people out of.

I am the poster child for the bankruptcy laws. I am not proud of the fact that I filed, it took me two years to give in to the fact that it was the only way out of the debt I was in and become productive again. I did it and have done the best I can with it. So there!

So why this rant? I own a very nice apartment on the intracoastal in Delray Beach, Florida. When I purchased it last year the prior owners held the paper on it (owner financed). Well I have been now trying to get a regular bank loan.

Last night my mortgage broker called and told me that I had been rejected from a company we had gone through hoops for. In this case, I had a bankruptcy on my record.

I have built a multi-million dollar company in 3 years from a $15,000 loan that my mother gave me (and I paid bank three weeks later).

F--k you to that bank. F--k you to every one that has looked at my credit and said they can't do business with me or need prepayments. F--k you to all of you. I did what I needed to do to move on and f--k you for sitting behind some desk eating Dunkin Donuts in a polyester suit with a "reject" stamp thinking you have any idea what real business and real problems are all about. f--k you.

Not only will I remember, I have a very good memory. As we grow, I will remember you all.

Yea, I am pissed but I have to tell you, one more f--k you and I think I am over it.

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