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