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A message from Cynthia Pooler, SCARED TO DEBT's first backer.


 When will the problem end?


This problem is virtually guaranteed to persist in the re-architected, Direct lending system in its current form, and could even be exacerbated.  In the public interest, the consumer protections that were removed by Congress must be restored by Congress at the earliest opportunity. By returning these consumer protections, the motivations of the system's functional elements will be reoriented such that most, if not all of the deficiencies mentioned above will go away over time.  Unless fundamental protections (namely, bankruptcy ) are fully restored, at a minimum, these problems will persist, grow, and be largely impervious to legislative or other fixes, no matter how well designed and implemented.


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