SPEAKER INDEX    CONTENTS   INSERTS   
  127  
BRYANT         159    161    162    219    220    221    222    223    224  
               225    226    227    228  
CHARLES E. KERN II   271  
CONYERS         19     20     21     22  
DEAR MR. CHAIRMAN   231  
DEAR REPRESENTATIVE GEKAS   151  
ELSAESSER       32     86  
GEKAS            2      7     14     15     17     18     19     20     22  
                32     47     59     81     82     83     84     87    103  
               116    141    153    154    155    156    157    158    159  
               162    163    176    205    215    216    217    218    219  
               222    228  
GOODLATTE        8     15     16     17     18     19     20     21     22  
HILDEBRAND     205    218    219    221    224    226    227  
JACKSON LEE    17     18     19     84     85     86     87  
JAMES W. HARPER   271  
JULIAN EPSTEIN   271  
KOGER           23     84     85  
LUBBERS         60     81     82  
MCDOW          103    156  
MORIN          176    217    218    222    223    224    225    226  
MORRIS          47     82     83     85  
NADLER           5     15     16     17    228  
ORR            141    153    154    160    161    162  
PATCHAN         89    157    158    159  
RAYMOND V. SMIETANKA   271  
SMITH            7    164    215    216    217    220    221    227  
SMITH OF TEXAS    84  
THOMAS E. MOONEY   270  
VERGOS         116    154    155  

CONTENTS    SPEAKERS   INSERTS   
OPENING STATEMENT OF CHAIRMAN GEKAS
                                                                 PAGE     2

STATEMENT OF HON. BOB GOODLATTE, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF VIRGINIA
                                                                 PAGE     7

STATEMENT OF HON. FRANK W. KOGER, PRESIDENT, NATIONAL CONFERENCE OF BANKRUPTCY JUDGES
                                                                 PAGE    23

STATEMENT OF FORD ELSAESSER, VICE PRESIDENT FOR RESEARCH, AMERICAN BANKRUPTCY INSTITUTE
                                                                 PAGE    32

STATEMENT OF JEFFREY W. MORRIS, PROFESSOR, UNIVERSITY OF DAYTON LAW SCHOOL, ON BEHALF OF THE 
NATIONAL BANKRUPTCY CONFERENCE
                                                                 PAGE    47

STATEMENT OF JEFFREY LUBBERS, PROFESSOR, WASHINGTON COLLEGE OF LAW, AMERICAN UNIVERSTIY
                                                                 PAGE    59

STATEMENT OF JOSEPH PATCHAN, DIRECTOR, EXECUTIVE OFFICE FOR UNITED STATES TRUSTEES, DEPARTMENT OF 
JUSTICE
                                                                 PAGE    88

STATEMENT OF W. CLARKSON MCDOW, JR., UNITED STATES TRUSTEE REGION 4, COLUMBIA, SOUTH CAROLINA
                                                                 PAGE   103

STATEMENT OF ELLEN B. VERGOS, UNITED STATES TRUSTEE REGION 8, MEMPHIS, TENNESSEE
                                                                 PAGE   116

STATEMENT OF KEVYN D. ORR, DEPUTY DIRECTOR, EXECUTIVE OFFICE FOR UNITED STATES TRUSTEES, 
DEPARTMENT OF JUSTICE
                                                                 PAGE   141

STATEMENT OF W. STEVE SMITH, PRESIDENT, NATIONAL ASSOCIATION OF BANKRUPTCY TRUSTEES
                                                                 PAGE   164

STATEMENT OF LAURENCE P. MORIN, PRESIDENT, ASSOCIATION OF BANKRUPTCY PROFESSIONALS
                                                                 PAGE   176

STATEMENT OF HENRY E. HILDEBRAND III, ON BEHALF OF THE NATIONAL ASSOCIATION OF CHAPTER 13 TRUSTEES
                                                                 PAGE   205


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING