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