[JSL23]

there is nothing to be open minded about, its not going to happen. No bank or underwriter I have ever spoken to has even thought this was worth thinking about. The bank who consolidates has nothing to gain and everything to lose while the people getting paid off get out of the deal and now have the option to go back in with less risk then they took when they stacked the first time. The bigger banks want to discourage stacking if people started doing this it would have the opposite effect, and smaller banks don't have the resources to take this kind of risk. Yes as an ISO our lives would be easier if this was an option but it is not and I really doubt it ever will be

But it is happening!! A couple of Lenders are doing it. We have done 5 or 6 consolidation deals over the last couple months and so far, so good. I admit, I am no Finance expert, but I refuse to believe that there is no way to minimize risk and maximize opportunity. There have been much more complex innovations than consolidating a few cash advances. If the banks who are doing this fail miserably I will admit I was wrong, but until that I am going to do consolidations as often as the opportunity presents itself.