NACBA Member John Rao testified before the full Senate Judiciary Committee on December 4, 2008 at a hearing on "Credit Cards and Bankruptcy: Opportunities for Reform."

A copy of John's testimony is available here.

The other witnesses were:

United States Bankruptcy Judge Thomas Small , Eastern District of North Carolina

Professor Robert M. Lawless, University of Illinois

Associate Professor John Chung, Roger Williams University

Click here to access all witness testimony.