http://www.washingtonwatch.com/bills info@washingtonwatch.com http://www.pjdoland.com/chai/?v=0.1 http://www.washingtonwatch.com/bills/show/110_HR_3778.html#24828 After reviewing this bill I realized that the first person would have 150% of median. If 2 to 4 people were in the houshold the median income would be used. Most people, except myself would file chapter 7 if we were below median income. You almost got me to believe you on this one. It covers absolutely no-one in chapter 13.... 24828@http://www.washingtonwatch.com Mon, 17 Dec 2007 19:53:45 EST http://www.washingtonwatch.com/bills/show/110_HR_3778.html#24602 This bill does sound like it will help out people like myself who face loans which endanger their ability to restructure their mortgages and possibly completing a successful Chapter 13 plan, HR 3609 is written to address the problem to a higher degree and with less limitation. This legislation would possible help me deal with our situation and reduce the impact of the mortgage emergency for non-prime loans.... 24602@http://www.washingtonwatch.com Thu, 13 Dec 2007 22:20:08 EST