SPEAKER INDEX    CONTENTS   INSERTS   
BROWN           42    349    350    351    357    363    364    379    380  
BRYANT          15     16    278    294    298    302    339    355    356  
               357    358  
CARPER         381    399    400  
CHABOT          17    295    344    345    347    348  
CULHANE        526    529    635  
DEAR CHAIRMAN GEKAS AND CONGRESSMAN NADLER   392  
DELAHUNT       363    364    365    366    367    368  
GEKAS           10     15     16     17     19     24     25     41     45  
                74     77     92     96    275    344    349    353    354  
               358    362    367    369    374    375    376    377    378  
               379    380    381    388    398    399    400    403    406  
               426    430    449    452    495    496    497    498    499  
               500    503    509    510    513    517    525    529    580  
               602    630    634    635    636    637  
GEORGE W. GEKAS   392  
HILDEBRAND     449    500    501    507    508    509  
JAMES W. HARPER     4  
JERROLD NADLER   392  
JULIAN EPSTEIN     3  
KLEE            93    340    342    343    344    347    360    364    375  
               377    378  
MOORE          294    295    348    353    354    361  
NADLER         339    342    343    344    369    372    373    374    376  
               503    504    505    506    507    508    509    603    634  
               636  
NEUBIG         603  
NEWSOME        403    495    496    497    498    499    500    502    504  
               505    506  
RAYMOND V. SMIETANKA     4  
RYU            580  
SIGMON         302  
STANA          513    630    634    635    636  
STATEN         510    514  
SUSAN JENSEN-CONKLIN     4  
TASSEY         275    351    353    359    362    366    367  
THOMAS E. MOONEY, SR     3  
WALDSCHMIDT   426  
WALLACE         19     24    345    365    366  
WATT            16    349    350    351    352    353    354    400    500  
               501    503    635    636  
WEINER         358    359    360    361    362  
ZYWICKI         74    346    355    369    372    373    374  

CONTENTS    SPEAKERS   INSERTS   
OPENING STATEMENT OF CHAIRMAN GEKAS
                                                                 PAGE    10

STATEMENT OF GEORGE J. WALLACE, ESQUIRE, ECKERT, SEAMANS, CHERIN & MELLOTT, LLC, WASHINGTON, DC, 
ON BEHALF OF THE CONSUMER BANKRUPTCY REFORM COALITION
                                                                 PAGE    19

STATEMENT OF WILLIAM BROWN, UNITED STATES BANKRUPTCY JUDGE, WESTERN DISTRICT OF TENNESSEE, 
NASHVILLE, TN, ON BEHALF OF THE AMERICAN BANKRUPTCY INSTITUTE
                                                                 PAGE    41

STATEMENT OF TODD ZYWICKI, PROFESSOR, GEORGE MASON UNIVERSITY SCHOOL OF LAW, ARLINGTON, VA
                                                                 PAGE    74

STATEMENT OF KENNETH KLEE, PROFESSOR, UNIVERSITY OF CALIFORNIA-LOS ANGELES SCHOOL OF LAW, LOS 
ANGELES, CA, ON BEHALF OF THE NATIONAL BANKRUPTCY CONFERENCE
                                                                 PAGE    92

STATEMENT OF JEFFREY A. TASSEY, SENIOR VICE PRESIDENT OF GOVERNMENTAL AND LEGAL AFFAIRS, AMERICAN 
FINANCIAL SERVICES ASSOCIATION, WASHINGTON, DC
                                                                 PAGE   275

STATEMENT OF MICHAEL MOORE, BADCOCK HOME FURNISHING CENTERS, GAINESVILLE AND CORNELIA, GA, ON 
BEHALF OF THE NATIONAL RETAIL FEDERATION
                                                                 PAGE   294

STATEMENT OF WAYNE SIGMON, ESQUIRE, GRAY, LAYTON, KERSH, SOLOMON, SIGMON, FURR AND SMITH, PA, 
GASTONIA, NC, ON BEHALF OF THE NATIONAL ASSOCIATION OF CONSUMER BANKRUPTCY ATTORNEYS
                                                                 PAGE   302

STATEMENT OF THOMAS R. CARPER, GOVERNOR OF THE STATE OF DELAWARE, ON BEHALF OF THE NATIONAL 
GOVERNORS' ASSOCIATION
                                                                 PAGE   381

STATEMENT OF RANDALL J. NEWSOME, UNITED STATES BANKRUPTCY JUDGE, NORTHERN DISTRICT OF CALIFORNIA, 
OAKLAND, CA, ON BEHALF OF THE NATIONAL CONFERENCE OF BANKRUPTCY JUDGES
                                                                 PAGE   403

STATEMENT OF ROBERT WALDSCHMIDT, ESQUIRE, CHAPTER 7 TRUSTEE, NASHVILLE, TN, ON BEHALF OF THE 
NATIONAL ASSOCIATION OF BANKRUPTCY TRUSTEES
                                                                 PAGE   426

STATEMENT OF HENRY E. HILDEBRAND, III, ESQUIRE, CHAPTER 13 TRUSTEE, NASHVILLE, TN, ON BEHALF OF 
THE NATIONAL ASSOCIATION OF CHAPTER 13 TRUSTEES
                                                                 PAGE   449

STATEMENT OF MICHAEL E. STATEN, PROFESSOR AND DIRECTOR, CREDIT RESEARCH CENTER, MCDONOUGH SCHOOL 
OF BUSINESS, GEORGETOWN UNIVERSITY, WASHINGTON, DC
                                                                 PAGE   513

STATEMENT OF MARIANNE B. CULHANE, PROFESSOR, CREIGHTON UNIVERSITY SCHOOL OF LAW, OMAHA, NE
                                                                 PAGE   526

STATEMENT OF LISA H. RYU, STAFF ECONOMIST, THE NATIONAL ASSOCIATION OF FEDERAL CREDIT UNIONS, 
WASHINGTON, DC
                                                                 PAGE   580

STATEMENT OF THOMAS S. NEUBIG, ERNST & YOUNG LLP, WASHINGTON, DC
                                                                 PAGE   603

STATEMENT OF RICHARD M. STANA, ASSOCIATE DIRECTOR, ADMINISTRATION OF JUSTICE ISSUES, GENERAL 
GOVERNMENT DIVISION, GENERAL ACCOUNTING OFFICE, WASHINGTON, DC
                                                                 PAGE   630


INSERTS    SPEAKERS   CONTENTS