The Challenge

Small business owner (Guarantor) faced personal liability six-figure US government emergency loan after company ceased operations due global crisis. Jurisdictional complexity (Caribbean residence limiting US authorities’ legal reach), financial intransparency (significant US property sold shortly before negotiations raising asset/fund source questions), bureaucratic opacity (critical misunderstanding which department within complex federal agency had actual settlement decision authority—wrong approach = months delays + immediate Treasury escalation), main risk (not loan debt itself but potential IRS investigation for undeclared foreign assets = criminal consequences possible).

The Approach

2-hour meeting applying Stratona™ Method simulating internal agency operations developing data-driven strategy. Client Brian + Janet feedback: “unbelievably productive. We accomplished months of research and wandering around in two hours. Excellent job, both of you.” Methodology: (1) Jurisdiction mapping + decision-maker identification (simulated internal power structure + true jurisdictions, interacting with simulated personas at various hierarchy levels quickly corrected initially false assumptions identifying true often-invisible decision-maker within hours avoiding months bureaucratic detours), (2) Internal procedural knowledge extraction (interacting with correct simulated strategic personas extracted crucial non-public procedural details revealing exact agency calculation logic for settlement offers including specific publicly available IRS standards = transformed opaque negotiation → calculable equation), (3) ‘Red Team’ analysis (simulated internal crisis meeting of opposing personas, identified own systemic vulnerabilities + procedural “loopholes” particularly handling overseas guarantors + short-term asset disposals), (4) Optimal counter-strategy synthesis (modeled “ideal legal opponent” profile from agency perspective showing greatest leverage not pure administrative expert but international tax law specialist neutralizing main IRS investigation risk).

The Results

Time savings (months not hours—session saved potentially months work/research avoiding enormous attorney fees for countless emails/calls/research just finding right department), strategic clarity (undecipherable bureaucratic wall → clear “roadmap” knowing SBA negotiates purely on “documented ability to pay” not emotionally), key persons/departments identification (not just correct department Birmingham Alabama Servicing Center but exact leader Sonya Hubbard = direct hit avoiding months bureaucratic wandering), concrete actionable steps (identified exact needed attorney profile: SBA-Richtlinien SOP 50 specialist, ideally former SBA employee/”DC Insider,” even named highly specialized firms like Protect Law Group), cost avoidance (investment prevented far higher costs from hiring wrong attorney type or incorrectly structured negotiation strategy), emotional value (clear plan = immense stress/uncertainty reduction, shift from hopelessness → control + confidence feeling). From client perspective justified price $5,000-$15,000 for 2-hour meeting—payment not for “two hours talking” but investment in precise data-driven solution strategy for $86,300 problem.

The more efficient system wins. Always.