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