SENATOR'S STATEMENT


Senator Herb Kohl


Panel I


Lawrence A. Friedman
Secretary, National Association of Bankruptcy Trustees


The Honorable A. Thomas Small
Chief Bankruptcy Judge
Eastern District of North Carolina


Professor Tahira K. Hira
Iowa State University

Mr. George J. Wallace
Eckert, Seamans, Cherin & Melott, LLC


Mr. William E. Brewer, Jr.
National Association of Consumer Bankruptcy Attorneys


Stan Bluestone
National Retail Federation


Panel II


Mr. Richard Stana
General Accounting Office


Prof. Michael Staten
Director of Credit Research Center


Mr. Stephen Brobeck
Executive Director
Consumer Federation of America


Mr. Brian McDonnell
National Association of Federal Credit Unions

Mr. Robert Elliot
Household International


Panel III


Prof. Douglas Boshkoff
Indiana University School of Law

Mr. Randy Picker
National Bankruptcy Conference


Ms. Deborah D. Williamson
American Bankruptcy Institute


Matthew Mason
United Auto Workers