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Consumer: Automatic Stay

ID	Name	Group	Other	Code Sec	Cross Ref	Problem Referenced	Proposed Solutions
NBRC- 0008	Hon. Geraldine Mund	United States Bankruptcy Court, Central District of California, Ad Hoc Committee on Unlawful Detainer and Bankruptcy Mills		362(b)		There are a significant amount of bankruptcy filings which are abusive and filed for the sole purpose of stopping a residential eviction by tenants who have no intention of reorganizing or liquidating but are simply seeking to delay the landlord's eviction.	Modify the automatic stay so that it does not apply to residential month-to-month tenancies or tenancies at will.
NBRC- 0107	Institute of Real Estate Management, Manufactured Housing Institute, et al.			362(a)(3)	362(b)(17)	Loophole in the Code restricts the ability of housing providers from regaining possession of rental property that is being held by residents faced with eviction due to the effect of the automatic stay. Increasing number of debtors are filing barebones petitions in order to stay eviction proceedings. Relief from stay motions are usually granted in these cases, however by the time relief is granted, purpose has been achieved, namely retention of the property without having to pay rent. Housing providers and the courts bear the brunt of these frivolous filings. In the C.D. Cal. over 39,000 ch. 7 cases are filed annually, significant number are filed to prevent eviction.	NBRC can rectify this problem by recommending that congress amend section 362(a)(3) of the code or create a new section 362(b)(17) in the following manner: "Section 362(b)(3) "any act to obtain possession of property of the estate or of property from the estate or to exercise control over property of the estate, except that possession of a residence by a tenant under a rental agreement shall not be deemed property of the estate." Section 362(b)(17): "under subsection (a)(3) of this section, except that possession of a residence by a tenant under a rental agreement shall not be deemed property of the estate. We strongly urge adoption of one of these two proposals.
NBRC- 0132	Steven D. Goldstein	President, Credit Department, Sears Roebuck & Co.	Heard Brady speak at National Retail Fed'n Credit Mangmnt Advisory Council	362	523	A debtor's failure or refusal to state his/her intention with respect to a secured debt at a time when the creditor's opportunities to initiate contact for the purpose of obtaining needed information are strictly limited deprives creditors of valuable time and any meaningful opportunity to protect their interests. Similarly, a debtor's failure or refusal to perform a stated intention within a reasonable time period denies the creditors affected and effective means of protecting its interests. The failure to effectuate a stated intention also has the effect of favoring other creditors to the detriment of the affected creditor and demonstrates the debtor's disregard for the bankruptcy rules and the willingness to manipulate the system.	Proposed amendment would level the playing field and provide a remedy to the affected creditor, but not unduly penalize the debtor or unjustly enrich other creditors. Amend sections 362 and 523 to except from automatic stay and discharge if the debtor fails to file a section 521 statement of intention with respect to the debt within ten days of filing and fails to perform the state intention by the date of the first section 341(a) meeting of creditors.
NBRC- 0133	William E. Cumberland	General Counsel; Mortgage Bankers Ass'n of America		362		Delay alone should not be an adequate basis for allowing repeated stays. Currently mortgage holders are experiencing repeated application of the automatice stay with regard to mortgaged property in a variety of ways: multiple filigns by one debtor, with early filigns abandoned or dismissed; multiple and repetitive reinstatements of plans in a single case with no demonstrable good faith reason for a second or third try at fulfilling a plan; or variations on these themes.	Clarify that protracted delay is not a permitted basis for serial reapplication of the automatic stay. While these experiences are shared by other creditors, the impact on the mortgage finance system is special because the foreclosure process, which is inherent to the success of the system, must be stopped and restarted each time the automatic stay comes into play.
NBRC- 0152	Kenneth L. Robinson	President; National Ass'n of Federal Credit Unions		362		Problems exists in ch. 7 where a debtor is willing to hand over a vehicle, but creditor is unable to take possession due to the automatic stay provisions.	Problem can be resolved by amending section 362 so that the stay is automatically lifted when the debtor issues a statement of intent or upon surrender of a vehicle immediately following debtor's action.
NBRC- 0225	Paul Mannes	Bankruptcy Judge (D. Md.); fomer member of the "Advisory Committee on Bankruptcy Rules"				Mountain of litigation exists on the subject of the enforceability vel non of prepetition waivers of the automatic stay. To eliminate the litigation, this issue should be resolved by amending the Code.	Bankruptcy Code should be revised to resolve the issue of enforceability vel non of prepetition waivers of the automatic stay. An analysis of the issue can be found at 32 San Diego Law Review 1133. The author comments, "The issue, as I see it, is one of line drawing. It would not be desirable to see the provision found in every automobile financing agreement or in every home mortgage. On the other hand, there are numerous times where the parties enter into a thoroughly negotiated workout agreement where both make substantial concessions in an effort to avoid foreclosure."
NBRC- 0268	Hazel Conrad	Benficiary/Constituent of Rep. Hutchinson	Cover letter from Rep. Tim Hutchinson, asking for NBRC's response; copy of attorney correspondence, Petition, and Order	362		Author complains that she has been waiting 27 days for a Bankruptcy Judge to sign a Stipulation for Relief from Automaic Stay and Order, and thus she has not yet received the proceeds from a foreclosure sale. The author feels that bankruptcy laws have "leaned too far towards the debtor and do not take into account how many benficiaries are counting on the payment from sold property to help with the expenses."	Bankruptcy laws should be amended to provide for more expediant processing of motions and claims.
NBRC- 0274	Steven D. Goldstein	President, Credit - Sears, Roebuck and Co.		362, 523		Sears and other National Retail Federation members state that a debtor's failure or refusal to state its intention, and likewise to perform its stated intention, with respect to secured debts at a time when the creditor's opportunities to initiate contact for the purpose of obtaining needed information are strictly limited deprives creditors of valuable time and any meaningful opportunity to protect their interests.	Amend §§ 362 and 523 to except a debt from automatic stay and discharge if the debtor fails to file a § 521 statement of intention for that debt within 10 days of filing and fails to perform the stated intention by the date of the first § 341(a) meeting of creditors.
NBRC- 0276	Institute or Real Estate Management, Manufactured Housing Institute, National Apartment Association, National Leased Housing Association, National Multi Housing Council, and Public Housing Authorities Directors Association	Real estate industry organizations		362		Tenant debtors are exploiting the bankruptcy system by using the automatic stay to restricit the ability of housing providers to regain possession of rental property that is being held by residents faced with eviction.	Sections 362(a)(3) and 362(b)(17) should be amended to prevent debtor tenants from using the automatic stay as a means of avoiding eviction. Suggested statutory language is provided.
NBRC- 0302	Brian L. Mc Donnell	President, Navy Federal Credit Union		362, 1301		Bankruptcy is increasingly being perceived as an "easy way out" for debtors seeking to avoid responsibility for their actions. In addition, many people no longer consider bankruptcy to be a financial stigma. Bankruptcy filings represent significant time and money burdens for creditors and the courts, the costs of which are often passed on to customers of the creditors in the form of higher prices. It is imperative that bankruptcy procedures be revised to discourage financial irresponsibility in today's highly leveraged personal economic environment. One way of reducing the administrative burden of bankruptcy filings would be to enhance the cost-effectiveness of bankruptcy proceedings.	To enhance the "cost-effectiveness" of bankruptcy proceedings, § 362 should be amended to establish an exemption to the automaitc stay in cases where: (1) joint debt is involved, and one or more joint debtors files a subsequent petition for relief within 120 days of a prior filing by an another joint debtor; (2) debtors wish to voluntarily convey collateral to debtors; (3) a chapter 13 debtor falls more than 60 days behind scheduled repayments; and (4) creditors will continue accepting payments on loans for collateral that dentors intend to retain. Also, to increase the "cost-effectiveness" of bankruptcy proceedings, § 1301 should be amended to repeal those provisions that prohibit collection from a nonbankrupt co-debtor until the automatic stay is lifted.
NBRC- 0317	Trevor A. Grimm	General Counsel, Apartment Association of Greater Los Angeles	Documents discussing and illustrating tenant-debtor abuse of the automatic stay	362		Bankruptcy fraud related to eviction actions is rampant in Southern California and a problem in other states. "Evicted" tenants, sometimes at the urging of debtor attorney "petition miils," file or end up the named filer of fake Bankruptcy petitions filed solely for the purpose of obtaining the eviction-delay benefit of the Bankruptcy Code's automatic stay. The author attaches and number of reports, articles, statements, decisions, court documents, copies of statutory provisions, and other documents that discuss and illustrate this problem.	Bankruptcy Code should be amended to prevent abuse of the automatic stay and otherwise eliminate the multi-million dollar annual loss sustained by residential property owners who fall victim to tenants who abuse the stay.
NBRC- 0446	C. Bernard Brush	Attorney		362		Author represents landlords and management companies in Ohio. Automatic Stay in tenant bankruptcies causes delays and costs to landlords in bankruptcy court and for re-filing in State court to obtain eviction.	Exempt residential evictions from the automatic stay provisions of U.S.C. Section 362.
NBRC- 0516	Irma Vargas	President, The Apartment Association of Greater Los Angeles	Report from Sherriff's Office			Author attaches a report from the Los Angeles County Sheriff's Department outlining the number of Bankruptcy filings/automatic stays delaying evictions in Unlawful Detainer actions during a 12 month period. Author notes the additional costs and delays this causes.	"We urgently need your help in eliminating the "automatic stay" in residential eviction cases."
NBRC- 0538	Randall J. Newsome	U.S. Bankruptcy Judge	Copy of letter dated 10/10/96 from Judge Newsome to Prof. Warren.	362		"[T]he proposed amendments to Chapter 7 would require secured creditors to file a statement under oath swearing, upon pain of sanction, that the debtor has no equity in the collateral and the debtor is in default. If the intent is to eliminate § 362 motions in Chapter 7 consumer cases, this idea is sure to work, because no rational secured creditor would ever sign such a statement."	Do not require the proposed statement under oath of creditors in Chapter 7 cases.
NBRC- 0541	Dean S. Cooper	Associate General Counsel, Federal Home Loan Mortgage Corporation ("Freddie Mac")				"The Working Group's proposal is unclear as to whether it would be necessary for a secured mortgage lender to obtain stay relief after the debtor defaults in his or her chapter 13 plan."	"We recommend that the stay should expire with the granting of a discharge upon confirmation of a chapter 13 plan, and a creditor should be entitled to immediately pursue its default rights under state law, such as foreclosure, upon default."
NBRC- 0549	Nick Lampson	Congressman				Author writes on behalf of his constituents who urge the closing of a "loophole" in the Bankruptcy Code which allows a debtor to stay in their apartment under the automatic stay.	Close the loophole.
NBRC- 0597	Murray S. Lubitz and Louis Levine	President and Chair, Consumer Subcommittee, of the Commercial Law League of American		362		The suggestion to modify application of the automatic stay in Chapter 13 cases seems confusing and not susceptible to practical administration.	Do not change Section 362 to tailor it to Chapter 13.
NBRC- 0599	David A. Lander	Attorney				The proposal in Draft #1 weakening the automatic stay in Chapter 7 gives up something important to solve a problem that is very minor. It does not cost much time or money for a creditor to comply with the relief from staay procedures. In those cases where the Debtor may be able to take action to catch up or where there is equity, the procedure provides important protection.	The "automaticness" of the automatic stay must remain inviolate to offer the true opportunity to make use of Chapter 13.
NBRC- 0604	Richard H. Walker	General Counsel, Securities and Exchange Commission	Document entitled "Issues Identified by Division of Enforcement and Office of General Counsel of Securities and Exchange Commission for Consideration by Bankruptcy Review Commission.			Defendants in SEC actions have filed bankruptcy to undermine asset freezes, stop law enforcement actions and contempt proceedings, and to seek discharge of nondischargeable claims. Author is transmitting with this letter a document outlining issues of concern to the Division of Enforcement and Office of General Counsel of the SEC, among which is the following: "What consitutes cause for lifting the stay for an unsecured creditor, unlike a secured creditor, is not delineated in the Code, and there is not a great deal of guidance in the case law."	Clarify grounds for lifting stay.
NBRC- 0605	Kenneth L. Robinson	President, National Association of Federal Credit Unions (NAFCU)				A majority of respondents to questionaire believed that the provisions relating to an automatic stay would allow the creditor to protect their security interest promptly in the event that a debtor fails to comply with the terms of a payment plan under Chapter 13. This amended provision appears to expedite what is currently a very lengthy process and attempts to deter debtors from falling behind on their payments.	NAFCU favors the amended provision on automatic stay.
NBRC- 0615	Gerald W. Hannes	Private citizen			11	Author was "a victim of the existing rules" regarding tenant evictions under the Federal Bankruptcy Code.	Amend the automatic stay provision of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 0616	Alvin Freedman	Landlord	Four attached exhibits.			Tenants are filing bankruptcy to delay eviction.	None.
NBRC- 0619	Leon S. William, Sr.	Landlord				The Code hurts the real estate business by letting "deadbeat" tenants beat the owner out of thousands and thousands of dollars.	Amend the Code so that tenants cannot delay evictions.
NBRC- 0621	Charlotte A. Lenzen	Landlord				An increasing number of residents faced with eviction are filing for bankruptcy with the sole purpose of delaying eviction, causing delay and increased costs to the landlord.	Do not allow debtors to claim residential property as an asset in bankruptcy proceedings.
NBRC- 0622	Robert Aronoff	Landlord				"Con artist" tenants use the bankruptcy code to "live off the fat of the land at society's expense."	"I feel the present Bankruptcy Code needs to give some latitude so as to discourage, penalize or otherwise cause they [sic] professional economic parasites to return to society that which they take as their private priviledge."
NBRC- 0629	Frank M. Hensley	President, Pioneer Western Investment Associates, Inc., a real estate finance corporation.				"1. The automatic stay imposed by the bankruptcy law impedes and disrupts the orderly and reasonable efforts of a secured lender to repossess real property...2. The "Chapter 20" bankruptcy" has become a specialized form of the above...4. Bankrupt parties are not all "Model Citizens" who have suffered adversity."	"[P]lease add these comments to the many you receive concerning bankruptcy reform."
NBRC- 0649	Elizabeth S. Petersen	Attorney				"With respect to the proposal to lift the stay, the statement indicates the Court would grant stay relief if ther was no equity in the collateral. Many times the debtor has no equity in the collateral, but he wants to continue to try to make the payments on his house.... The reason for this is the debtor frequently cannot find other housing that is reasonably priced..."	Author thinks the debtor should be allowed to continue to try to make the payments on his house and there should not be an automatic release fromt he automatic stay simply based on the fact that the debtor has no equity."
NBRC- 0650	Samuel L. Bufford	Bankruptcy Judge, Central District of California				Author disagrees with the proposal to provide more expedient access to the courts for lifting the automatic stay for secured creditors when debtors cannot make their payments. Section 362 already requires that the hearing be conducted no more than 30 days after a motion is filed. "This time limit already makes it difficult for any bankruptcy judge to take a vacation of more than a week, and imposes a substantial additional burden on those locations lacking a resident bankruptcy judge."	"I think that secured creditorshave adequate protection under the present procedures, if the courts adhere to the statutory requirements."
NBRC- 0670	Sue Myrick	Member of Congress				Congressperson expresses constituents' and her concern about "loophole" allowing tenants to avoid eviction by filing bankruptcy.	"This abuse of U.S. Bankruptcy Code needs to end. I urge you and the Commission to address this specific problem in your report which is to be submitted to the President."
NBRC- 0672	Sam Brownback	U.S. Senator, Kansas				Senator expresses constituents' and his concern about "loophole" which allows residents to avoid eviction by filing bankruptcy.	No specific solution proposed. "Please let me know were [sic] you stand on this particular issue."
NBRC- 0673	Michelle D. Viner	Bankruptcy Supervisor/Assistant Secretary, Norwest Mortgage, Inc.				"It is urgent that changes be made to prevent debtors from repeatedly filing bankruptcy to simply avoid foreclosure or eviction processes." An example is given of the history of one case of multiple filings with which the mortgage company had to contend.	"...there could be a timefram imposed with which a debtor could not file a new petition in bankruptcy. The time frame would not necessarily have to be six years. However, the timeframe would need to be the same for all jurisdictions and would need to be long enough to complete foreclosures incompliance with state laws."
NBRC- 0687	A. Stevens Quigley	Attorney, panel Chapter 7 trustee				"Secured creditor action is often what precipitated the bankruptcy."	"Do not make it too easy for stays to be lifted." "If there is a reasonable plan to cure the secured delinquency, stay should not be lifted."
NBRC- 0699	Edith H. Jones	Bankruptcy Judge					If the ideas of an expiedited discharge in Chapter 13 and an automatic lifting of the stay at the time of discharge have been abandoned the Commission should state when discharge will be granted in Chapter 7 and 13 and explain why the automatic lift-stay provision was dropped.
NBRC- 0699	Edith H. Jones	Bankruptcy Judge				Author supports the proposal that, where a debtor keeps secured property in Chapter 7 or 13, creditor should be able to get section 362 relief within 15 days based on an affidavit.
NBRC- 0711	Neal R. Allen	Attorney specializing in consumer bankruptcy					There should be no ucrtailment of the automatic stay during the term of a Chapter 13 Plan.
NBRC- 0728	John C. Akard	U.S. Bankruptcy Judge, Northern District of Texas	Copy of letter dated 5/2/97 to Susan Jane Darnold from office of United States Trustee; Copies of 4 letters dated 3/26/97 from Judge Akard to the Bankruptcy Commissioners on different topics.			"If I correctly read your discussion about the automatic stay, it says "one miss and you are out." If that is what you had in mind, it is unrealistic. debtors in Chapter 13 are on a very tight budget. The least little problem causes real difficulty....It has been my experience that by allowing some flexibility, the plan can be kept active for the benefit of the creditors (principally the unsecured creditors). If plans had terminated upon the first default, the unsecured creditors would have received little or nothing and the debtors would have been forced to negotiate repayment schedules with all of their secured creditors, or lose thheir secured collateral."	"For these reasons, I sincerely hope that you will not provide that the automatic stay lifts whenever the debtor is not in "full compliance" with the plan."
NBRC- 0729	Gerald L. White & Gary H. Gale	Attorneys, White & Gale				"We have heard that there is talk of curtailing the automatic stay while the debtor is in chapter 13. The typical chapter 13 proceeding is a difficult one." Often, debtors get into trouble with their plans in the first year of the plan because of unforeseen expenses, as they being living on a budget for the first time. The automatic stay allows them to weather the storm, negotiate a plan with their secured creditors to cure the post-petition default and retain the collateral. Also, the automatic stay helps to protect the debtor from post-petition collection actions until the current plan is completed, which gives him an opportunity to succeed in the plan and then later deal with any such obligations.	Do not curtail the automatic stay.
NBRC- 0731	Rollie R. Hanson	Attorney, Law Office of Rollie R. Hanson, S.C.				The automatic stay is essential for debtors to get through hard times and to have the greatest opportunity for a successful completion of the plan. Curtailment of the protection of the automatic stay could lead to more failed plans.	Do not curtail the protection afforded to Chapter 13 debtors by the automatic stay.
NBRC- 0742	Nicholas H. Penfield	Retail Bankruptcy Officer, Peoples Heritage Bank		362		"A creditor and a debtor would both benefit immensely if a creditor did not have to hire an attorney to file a motion for relief from the automatic stay in certain situations in which a debtor is willing to voluntarily surrenter collateral pursuant to his/her Statement of Intention. Unless the Bank waits the four to five months for a discharge order to enter and for abandonment from a bankruptcy trustee..., the only remedy the Bank has available is to hire an attorney and obtain an order granting relief from stay, which can typically cost between $350 and $1,000. Requiring a motion for relief is similarly unbeneficial to a debtor" because attorney fees will increase if the attorney has to attend a hearing on a creditor's motion for relief.	"Amend §362 to allow creditors to repossess and sell collateral in certain situations without the necessity of filing a motion for relief from stay."
NBRC- 0748	Richard A. Riffel	Owner of residential rental property				Author is upset by the use of the automatic stay by tenants to avoid eviction.	"I fully understand that there is no perfect solution to this problem. But, I truly believe that there is a fairer, more equitable way to address this problem. Simply, allow any present proceedings regarding an eviction be held in limbo. If the tenant does not pay any future rent the property owner should have the immediate right to then petition the State Court handling Tenancy tomove forward on the pending case."
NBRC- 0749	Mrs. Antonia Navarro	Rental Property Owner				"Current bankruptcy laws facilitate terrible abuse against landlords."	"I respectfully ask that current bankruptcy provisions be amended to have tenant evictions freed from the Federal Bankruptcy Code. Again, please amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 0775	Charles T. Canady	Member of Congress				Congressman Canady is concerned about a provision in the U.S. Bankruptcy Code which allows renters to delay eviction proceedings and continue to reside in rental property without paying rent. This problem was brouth to hsi attention by several consituents and organizations.	"I strongly urge the Commission to consider this problem during your review, and that you recommend an appropriate solution in your report."
NBRC- 0784	Trevor A. Grimm	General Counsel, Apartment Association Greater Los Angeles	Sevice List; California Apartment Law Information Foundation Unlawful Detainer Study 1991.			In 1991, evictions without bankruptcy involvement took almost 60 days, with a bankruptcy filing the time was increased to almost 90 days. This is in addition to the rent lost during the time landlord is trying to work something out with the tenant.	Exempt residential tenancies from the application of the automatic stay.
NBRC- 0785	Trevor A. Grimm	General Counsel, Apartment Association Greater Los Angeles	Proposed amendment to section 362 of the U.S. Bankruptcy Code regarding unlawful detainer actions and stays			Author objects to the comparison of car dealers and apartment owners in a response to the suggestion that residential eviction cases be exempt from the automatic stay. Author gives four reasons why they are different.	Exempt residential eviction cases from the automatic stay.
NBRC- 0798	Clarine Nardi Riddle	Senior Vice President for Governmental Affairs, National Multi Housing Council				Author writes of her organization's concern with tenant debtors who use the automatic stay provisions of the Bankruptcy process to avoid eviction.	No specific solution proposed.
NBRC- 0807	Richard T. Wargo, Jr., Esq.	Director, Compliance & Information, Pennsylvania Credit Union League & Pacul Services, Inc.				No discussion of problem.	"The scope of the automatic stay in Chapter 13 should be limited to the specific property covered by the plan. If a debtor defaults on the plan, a creditor should be entitled to expedited relief from the stay."
NBRC- 0807	Richard T. Wargo, Jr., Esq.	Director, Compliance & Information, Pennsylvania Credit Union League & Pacul Services, Inc.				"A credit union should not be penalized or threatened with violations of the automatic stay where a debtor or debtor's counsel neglect to stop payroll deduction."	"The Code should permit voluntary payments on secured and unsecured debts. Further, the Code should clarify that payroll deduction is a voluntary payment....if payroll deduction continues postpetition, the Code should presume the payment is voluntary."
NBRC- 0816	Geraldine Mund	Chief Judge, United States Bankruptcy Court, Central District of California				Author strongly supports proposal that Bankruptcy Court should be empowered to issue in rem orders with regard to property covered by the automatic stay.	Author proposes new language to be included in the proposal which would include a debtor who was a transferee of the property, as well as the transferor.
NBRC- 0832	Arthur S. Weissbrodt	U.S. Bankruptcy Judge, Northern District of California				"I don't like in rem orders in part because they purport to affect parties who are not before the court - such as the unsecured creditors in a subsequent case. 'Transferring' an interest in property to avoid foreclosure cannot logically form the basis for an in rem order. Selling one's home or car to realize the equity before a foreclosure can occur is a good thing for the debtor to do. Your focus surely must be on bogus or fraudulent transfers for little or no consideration, not legitimate transfers." Author has not seen fractionalized transference during his time on the bench.	If conveyance of frationalized interests in property to avoid the automatic stay is a prolem, allow in rem orders upon a finding that a debtor has conveyed fractionalized interests in property as an abuse of the system to avoid foreclosure.
NBRC- 0842	Richard L. Haeussler	Attorney				"I believe that there has been an abuse of the automatic stay on the part of renters who use multiple filings to stay landlords from obtaining their property after a default in the payment of rent."	The burden should be on the debtor to show that he is entitled to possession, and that this should be done in the 15 days after filing.
NBRC- 0866	John Palmer	Montgomery Partners, Real Estate Investments				"The specific purpose of this request would be to prevent abuse of the automatic stay provisionof hte Bankruptcy Code by tenants merely seeking to delay evictions."	"...I would like the NBRC to recommend to Congress that the current Bankruptcy Code be changed to exempt residential rental agreements fromt he automatic stay provision."
NBRC- 0868	Clarine Nardi Riddle	Senior Vice President of Government Affairs, NMHC National Multi Housing Council and NAA National Apartment Association				During the testimony on behalf of the NMHC and NAA before the Commission in Detroit, Commissioner Butler raised a concern that their proposal to exempt residential leases in the eviction process from the automatic stay might reduce the due process protections provided a tenant if the eviction proceeding is non-judicial in nature.	"We have researched this issue and have not found any state eviction statute that allows non-judicial evictions."
NBRC- 0871	David A. Tilem	Attorney		362(b)(2)		"The 1994 amendments [to the Code] expanded the automatic stay exception to include proceedings to seek or modify support obligations or establish paternity. Given the social importance of our childrem what happened to custody proceedings, visitation proceedings, and injunctive actions to protect victimized children and spouses from physical or emotional abuse"	"Perhaps the exception should be broadened to permit spouses to erminate marital status, so long as such proceedings do not affect property of the estate."
NBRC- 0881		American Seniors Housing Association, Institute of Real Estate Management, Manufactured Housing Institute, National Apartment Association, National Association of Home Builders, National Leased Housing Association, National Multi Housing Coucil		362		"As you know, there has been a proliferation of tenants abusing the bankruptcy process solely to slow the eviction process."	Amend Section 362(a)(3) and (b)(19) and (20) as suggested in letter to exempt possession of a residence by a tenant under a rental agreement from the terms of the automatic stay.
NBRC- 0883	Eugene R. Wedoff	U.S. Bankruptcy Judge, Northern District of Illinois				The Proposal does not specify how the automatic stay would apply in conjunction with a petition to refile a Chapter 13 case within 2 years.	"A petition for leave to file a Chapter 13 case within 2 years after the close of a prior bankruptcy should not result in imposition of the automatic stay until the filing is allowed. However, if filing is allowed, the stay should be imposed retroactively to void any action taken with respect to estate property after the date of the petition."
NBRC- 0885	Ronald Barliant	U.S. Bankruptcy Judge		362		"I believe §362 can and should be amended in very simple ways to avoid a great deal of unnecessary expense to creditors and to make the distinction between chapter 7 and chapter 13 even clearer." "In my view, the only reason the stay against actions to recover property should be maintained in a chapter 7 case is to protect equity available to the estate for the benefit of creditors. Once a debtor has chosen liquidation instead of repayment, the debtor has no further interest in the property, except to protect exemptions and in the rare "surplus" case. Debtors who want to protect property should file chapter 13 cases."	"A few ideas for changes applicable in chapter 7 are: 1) Whether the debtor is in default under the security agreement should be irrelevant in a chapter 7 case, especially if the 'ride through' prpoposal is adopted. There is no reason why creditors should be forced to litigate disputes about defaults in bankruptcy court. And if there is no dispute, there is no need for the stay even from the debtor's point of view.; 2) The stay as to property should be terminated upon the filing of a report by the trustee that there are no assets in the estate to administer....; 3) In accordance with the March 5th memorandum, the stay should be lifted on 15 days notice if no objection is filed..."
NBRC- 0892	Robert W. Alberts	U.S. Bankruptcy Judge, Central District of California				"In my opinion, the creation of the automatic stay has fostered much of the abuse of the bankruptcy system which we now endure, particularly in consumer bankruptcy cases."	"I urge the Commission to donsider limiting the duration of the stay in Chapter 7 cases to a period short enough to make it impractical or unnecessary for creditors to seek stay relief in all but the most extraordinary or egregious cases, but long enough (e.g. 14 days) to afford Chapter 7 trustees an opportunity to determine whether they should seek to extend its duration. Moreover, I believe no automatic stay should be created respecting property of debtors or their estates upon the filing of subsequent bankruptcy petitions under any chapter shortly (e.g. within 180 days) after an initial filing."
NBRC- 0893	Ann Swearingen	Chairman, Property Management Council, Virginia Association of Realtors				Author's organization is concerned about the "loophole" in the bankruptcy code which allows a bankruptcy to remain in possesion of rental property under the automatic stay.	"An alternative and/or compromise to prevent the loopholes may be found by using what is currently provided to utilities under 11 U.S.C. 366. Author gives suggested language for rental property based on this section.
NBRC- 0907	Sheldon L. Baskin	Attorney				Applying the automatic stay to residential leases brings no benefits to the creditors of the debtor, and works an inequity on the landlord. Tenants' rights are fully protected by state and local law providing for adequate hearings and other due process before evictions can proceed. Some tenants are filing for bankruptcy solely to prevent eviction.	No specific solution proposed.
NBRC- 0909	Clarine Nardi Riddle	Senior Vice President for Government Affairs of the National Multi Housing Council (NMHC) and the National Apartment Association (NAA) Joint Legislative Staff.	Copy of letter dated May 30, 1997 which was sent to Brady Williamson.			Written copy of author's testimony before the NBRC on 6/6/97.	Remove residential leases from effects of automatic stay.
NBRC- 0925	C. Michael Stilson	Bankruptcy Judge, Northern District of Alabama, Western Division			11	Author feels that the "substantial" changes proposed to the Bankruptcy Code are not necessary, and that remedies already exist for most of the problems addresed by the Consumer Bankruptcy Working Group. Author addresses each proposal of the Working Group. Author addresses the issuance of in rem orders with regard to the application of the automatic stay.	"This is a proposal to address a problem which I have not see, but understand is a real problem in some areas. This proposal appears to be a reasonable solution to a problem in certain areas of the country."
NBRC- 0935	Clarine Nardi Riddle	Senior Vice President for Governmental Affairs, National Multi Housing Council				Author expresses thanks for response to her letter of June 13, 1997. She also wished to correct a statement in the letter she received which stated that NMHC did not support the changes proposed in the first Draft. In fact, they expressed their support for the provisions in both the First Draft and the Second Draft as well as their dismay that the proposed changes refarding the discharge provisions in the First Draft had been dropped in the Second Draft. More importantly, in the same letter, she expressed the belief that despite the incremental relief proposed in the First and Second Drafts the Commission had not goen far enough to address the strategic use of the bankruptcy system by residents seeking to delay evictions.	n/a
NBRC- 0952	Peter D. Nott	Owner of small residential apartments				Tenants use bankruptcy's automatic stay to avoid eviction without paying rent.	"I beg for removal of automatic stay of residential evictions PERIOD." "If removal of automatic stay can not be done, I would like to make two suggestions: 1. No stay for evictions that are for other reasons than non-payment, i.e. breaking the rules of the lease (drug dealing or nuisance). 2. The hearing date be NO LONGER THAN FIVE DAYS from date of filing bankruptcy."
NBRC- 0976	James L. Berryman	Apartment owner				Author is the owner of residential rental property. He is angry that his tenants have been able to use the automatic stay to stay in their apartments without paying rent.	Terminate the automatic stay provision in the eviction process.
NBRC- 0977	Wenda J. Kennedy	Real Estate Broker				Author is angry that residential tenants can use the automatic stay to remain in their apartment without paying rent.	Exempt residential rental agrrements from the automatic stay provision.
NBRC- 0978	G. Coegering () illegible	Property owner				Author is angry that residential tenants can use the automatic stay to remain in their apartment without paying rent.	Exempt residential rental agrrements from the automatic stay provision.
NBRC- 0979	Paul J. Lupo	Broker/Owner residential rental property				Author is angry that residential tenants can use the automatic stay to remain in their apartment without paying rent.	Exempt residential rental agrrements from the automatic stay provision.
NBRC- 0980	F.T. Patton	Apartment building owner				Author is angry that residential tenants can use the automatic stay to remain in their apartment without paying rent.	Exempt residential rental agrrements from the automatic stay provision.
NBRC- 0981	Joel Silverman	Owner of rental units (e-mail, no address)				Author is angry that residential tenants can use the automatic stay to remain in their apartment without paying rent.	Exempt residential rental agrrements from the automatic stay provision.
NBRC- 0992	Kay L. Campbell	Compliance Officer, McDonnell Douglas West Federal Credit Union				"We believe the new provisions relating to an automatic stay will help ease the burden on creditors. The requirement that the stay would remain in affect [sic] as long as the debtor was in full compliance with the plan, gives the debtor some incentive to play by the rules."
NBRC- 1025	Herbert Piller	President, Merit Industries				Author complains about the fact that the purchasers of homes who default can nevertheless "tie a home up for years by using methods available to them by bankruptcy lawyers." Author had an instance where a husband and wife filed consecutive bankruptcies several times.	None
NBRC- 1027	Laurence Silver	Landlord				Author is angry that tenants can file for bankruptcy and stay on the premises rent-free while he has to go to court again at the federal level to get his premises back.	Exempt residential rental units from the automatic stay.
NBRC- 1061	Stella Miller	citizen				Author is 73 years old and has rental property. Tenants have failed to pay rent, then use bankruptcy to extend the time they can stay without paying. It costs much in attorneys' fees.	"Please consider my request to eliminate this automatic stay provision from the BK code, that Tenants seem to enjoy using."
NBRC- 1063	Lucinda Pennington	Owner, 8 rental properties					"Please amend the automatic stay provision of the Bankruptcy Code to prevent its use from delaying tenant evictions."
NBRC- 1075	American Seniors Housing Association, Institute of Real Estate Management, Manufactured Housing Institute, National Apartment Association, National Association of Home Builders, National Leased Housing Association, National Multi Housing Council	As above, no return address given.				Authors write to thank Judge Jones for her "Recommendations for Reform of Consumer Bankruptcy Law", and especially that she addressed the issue of strategic filings by residents of rental property to delay eviction proceedings.	n/a
NBRC- 1076	American Seniors Housing Association, Institute of Real Estate Management, Manufactured Housing Institute, National Apartment Association, National Association of Home Builders, National Leased Housing Association, National Multi Housing Council	As above, no return address given.				Authors write to Brady Williamson to express their disappointment the the Commission voted against the consumer bankruptcy proposal offer by Judge Jones at the Commission meeting on August 11 and 12.	n/a
NBRC- 1131	Sandra D. Hollingsworth	None given				Author notes the high number of bankruptcies filed in Tennessee and feels that this is due to residents of public housing filing in order not to be evicted for failure to pay rent.	There should be a restriction on who can file bankruptcy, how often and the purposes for doing so.
NBRC- 1170	Douglas & Yvonne Leong, Deborah Leong, and Darryl Leong	Residential rental property owners	Sample letter for member of Congress to send to NBRC; Letter from Kianne Feinstein, United States Senator, forwarding the Leong's letter to Congressional Liaison, Department of Housing and Urban Development dated July 11, 1997; Letter from Hal C. DeCell III, Assistant Secretary, HUD, to Brady Williamson date stamped 9/24/97 forwarding Senator Feinstein and the Leong's letters.			Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Mrs. Richard K. Weaver	Residential property landlord	Letter dated August 28, 1997 from Bob Stump, Member of Congress, to Mr. and Mrs. Richard Weaver.			Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Charlie Still	Principal Broker, Owner, Still Brothers & Associates	Memorandum from Senator Phil Gramm dated 6/17/97 forwarding author's letter; Letter from Joseph Patchan, Director, EOUST, dated 9/9/97 responding to Senator Gramm's memorandum.			Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Richard Pan	Residential property landlord				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	John F. Sampson	Residential property landlord				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Fritz & Helen Riel	Residential property landlords				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Haydon Stanley	Government Affairs Director, Georgia Apartment Association	Cover letter from Congressman Newt Gingrich dated 8/13/97 forwarding author's letter to The Hon. Brady Williamson, Chairman, NBRC		11	Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	L.A. "Buddy" Patrick	Executive Officer, Atlanta Apartment Association	Cover letter from Congressman Newt Gingrich dated 8/13/97 forwarding author's letter to The Hon. Brady Williamson, Chairman, NBRC		11	Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Wanda Kennedy	Residential property landlord				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Olive Walker	Residential property landlord				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Dion S. Dow	Residential property landlord				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Glen Woodmansee	Residential property landlord				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Francis Mintz	Attorney at Law and Licensed Real Estate Broker				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Matthew G. Martinez	Member of Congress				Author is forwarding a form letter sent by the owner of residential rental properties who is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	R. Bruce Campbell	President, Wallace H. Campbell & Company, Inc.	Letter dated July 8, 1997 from Senator Paul Sarbanes to Ms. Susan Jensen-Conklin forwarding the above-referenced letter.			Author is manager of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	D-Ann Brock	Residential property landlord				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Larry E. Jernigan	Director of Operations, McCam Properties				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Theodore E. Olsen	Residential landlord				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Camille Dull	Residential landlord				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Clyde & Floy Garoutte	Residential landlords				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Sheri Perez	Residential landlord				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Ray A. Reiss	Residential landlord				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Julius A. Glogovcsan Sr.	Residential landlord				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Michael Coye	CMC, Coye Management Company				Author is manager of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Sharan Nandi	Residential landlord				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Larry A. Brotman and Claire Wang Brotman	Residential landlords				Authors are owners of residential rental properties and are upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Margaret Lindsey	Residential landlords (no address given on letter)				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Stuart A. Comis	Attorney, England, Whitfield, Schroeder & Tredway, LLP				Author represents owners of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Daniel T. Snell	Dan Snell Realtors				Author is owner and manager of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Russ Fischer	E-mail. No specific title or address given.				Author is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Sherman R. Knappe	E-mail. No title or address given.				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Betty Lusk	Residential landlord				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	William C. Hunt	President, Keller Enterprises L.L.C.				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Gilbert Palacios	Undated handwritten note. No indication of affiliation.				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Lois & Richard Winters	Residential landlords				Authors are owners of residential rental properties and are upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	M. Ray Davis	"1776" Realty				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	John Gondeck	No affiliation given.				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Thomas DaCosse	No affiliation indicated.				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Mel Wick	No affiliation given.				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Jimmie Wheeler	Residential landlord				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Thomas Keiser	Attorney				Author is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	John R. and Anna s. Guerriero	Residential landlords				Authors are owners of residential rental properties and are upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Paul Wi( illegible)	Residential landlord (handwritten note, no return address given)				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Robert J. Wise	Attorney, Wise & Ford, L.L.C.				Author represents the owners of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Connie DeBruin	Administrative Vice-President, Towne & Country Realty of Milwaukee				Author is vice-president of a residential rental properties management company and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	M. Wesley Hall, III	Attorney				Author represents the owners of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	John T. Flattery	Executive Vice President, The Worthing Companies			11	Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Dennis C. Malone	President, Gold Crown Management Company			10	Author is manager of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	T.C. Kimball	Attorney, Kimball, Tirey & St. John				Author is an attorney and owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Jane A. Rose	General Counsel, Irwin R. Rose & Company, Inc., Member of National Apartment Association/National Multi Housing Council				Author's employer is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Michael Blonder	CEO, Focus Group			11	Author's company is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	LuAnne Acton	Area Property Manager, Jackson Management Group			11	Author's employer is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Robert Brody	R & R Management Company				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Michael W. McFerrin	C.E.O., The McFerrin Group and Affiliates				Author's company is manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Robert A. Haskell	President, PMG Properties, Inc.	Author also sent letters of the same date as president of PMG, Inc. and Pacific Management Group, Inc.			Author's company is manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Kathy Carlton	Director of Government Affairs, Apartment Association Greater Dallas				Author's employer is the largest apartment association in the nation, representing owner/management companies of residential rental properties and they are upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Jay D. Hartz	Executive Director, Ohio Apartment Association				Author's employer is devoted tot he needs of the apartment industry. It's members are owners and managers of residential rental properties who are upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	American Seniors Housing Association, Institute of Real Estate Management, Manufactured Housing Institute, National Apartment Association, National Association of Home Builders, National Leased Housing Association, National Multi Housing Council	As above, no address given				Authors are or represent owners and managers of residential rental properties. They are upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Jan Mason	District Manager, Insignia Management Group			11	Author's employer is "a professional provider of affordable housing" and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	John M. Bennett	President, Tomlinson Black Management, Inc.				Author's employer is the owner or manager of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	L.A. "Buddy" Patrick	Executive Officer, Atlanta Apartment Association			11	Author's employer represents the owners and managers of residential rental properties who are upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Denise fallin Deal	Government Affairs Representative, Atlanta Apartment Association			11	Author's employer represents the owners and managers of residential rental properties who are upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Mark K. Franks	Executive Vice President, Greater Cincinnati & Northern Kentucky Apartment Associations				Author's employer represents the owners and managers of residential rental properties who are upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Steve Altman	The Altman Group of Companies				Author's company is the manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Perry A. Pillow	Director, Legislative Services, Apartment Association of Tarrant County (AATC)				Author's employer represents owners and operators of residential rental properties who are upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Haydon Stanley	Government Affairs Director, Georgia Apartment Association (GAA)			11	Author's employer represents the owners and managers of residential rental properties who are upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	M. Robert Breslauer	BCo, Inc.				Author's employer is a manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Robert L. Jones	Attorney and residential landlord				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Eavid D. Reel	Executive Director, Memphis Apartment Association				Author is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	P. L. (Bo) Warner	Vice President, S - G Management, Inc.				Author's employer is the owner and manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Jim Billings	President, Skyline Property Management, Inc.			10	Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Angela Celli Jones	SCG Realty Services			11	Author's employer is a national management company for residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Ginger A. Kolonick	Vice President, Metropolitan Management				Author is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Terry L. Poling	President, The Fritsche Corporation				Author's employer is owner of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Charlie Still	Principal Broker, Owner, Still Brothers & Associates				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Bryce P. Styza	Bryce P. Styza Companies				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Jack H. Murray	Managing Director, Insignia Residential Group				Author's employer is a manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Sandra Avery	Property Coordinator, Rentmore Management, Inc				Author's employer is a manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Robert W. Day	President, Rentmore Management, Inc.				Author's employer is a manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Mark Depker	Executive Vice President, Hall Financial Group, Inc.				Author's employer is owner and manager of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Thomas R. Shuler	Chief Operating Officer, Insignia Financial Group, Inc.				Author's employer is a manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Anthony J. (Buddy) Amoroso	Vice President of Operations, Prime Properties, XL				Author's employer is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Anne S. Deakle	Senior Vice President, The Mitchell Company, Inc.			11	Author is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Jeannie Ryan	Property Manager, Cumberland Retreat Apartments				Author is a manager of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Jean Brumbach	Property Manager, Capitol Property Management				Author's employer is a manager of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Maria D. Dore'	Vice President Property Management, Dominion Management, Inc.			11	Author's employer is a manager of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Robert L. Thompson III	President, Wiston Property Management, Inc.			10	Author's employer is an owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Jeffrey I. Friedman	President, CEO, Associated Estates Realty Corporation				Author is an owner and manager of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Mary J. Wessler	Vice President, Great West Management & Realty, Ltd.			10	Author is an owner and manager of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Martin S. Kenwood	Franklin Associates				Author is owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Burt Jordan	Vice President, Intercity Investments, Inc.				Author is an owner and manager of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Robert Cormack	President, Gerson Bakar & Associates				Author's employer is an owner of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Kevin McCarthy	Division President, Juliet Property Company				Author's employer is a manager of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Janet McCormick	Vice President/General Manager, 1st Lake Properties, Inc.				Author's employer is an owner and manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Gregory E. Sauter	Director of Residential Management, Acadia Management Company LLC				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Michele Shane	Senior Vice President/General Manager, 1st Lake Properties, Inc.				Author's employer is an owner and manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Diane Villarrubia	Vice President/General Manager, 1st Lake Properties, Inc.				Author's employer is an owner and manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Pat Artigues	Senior Vice President/General Manager, 1st Lake Properties, Inc.				Author's employer is an owner and manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Randall L'Hoste	Vice President/General Manager, 1st Lake Properties, Inc.				Author's employer is an owner and manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Larry Silverman	Atlantic Management				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	James H. Whitehead	Vice President and Director of Operations, Magnum Dallas Management, Inc.				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Lynn Holland Edwards	President, Larchmont Realty Management of Virginia, Inc.				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Elliot Bernold	President, Edgewood Management Corporation				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Lee J. Phillips	Vice President & Treasurer, The Wallick Companies				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Mark Decker	Vice President, Colonial Priperties Trust		11		Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Gary Blumberg	DMC Management Company				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Mrs. Edwin A. Weston	Residential landlord, no affiliation or address given.				Author is an owner of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	H. James Kostyk	Vice President, Residential Management Department, Charles E. Smith Realty Companies				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Keith Kelley	President, Greater Las Vegas Association of REALTORS				Author's employer represents owners and/or managers of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Dolores M. DePaoli and Frank J. DePaoli	No affiliation given.				Authors are owners of residential rental properties and they are upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Henry E. McLaughlin	Parthenon Properties, Inc.				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Charlotte K. Johnson	Association Executive, Baton Rouge Apartment Association, Inc.				Author's employer represents the owners and managers of residential rental properties who are upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Nanette Cavarretta	Platinum Coast Management & Realty, Inc. (undated letter)		11		Author's employer is an owner and/or manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Peter J. Weidhorn	WNY Management Corp.				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	John S. Newsome	Vice President, SMG Property Management, Inc.			11	Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Philip B. Bell	P.B. Bell Asset Management, Inc.				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Mark A. Monroe	Monroe Management Company				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Kathi J. Landry	1997 President, The Acadiana Apartment Association				Author's employer represents owners and/or managers of residential rental properties who are upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Kevin M. Showe	President, Showe Management Corporation				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Ronald L. Paschal	Chief Executive Officer, Community Housing Development Corporation				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Richard F. Wasilik	Chairperson, Institute of Real Estate Management (IREM) Council of Presidents			11	Author's organization represents managers of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Nancy Keller	Real Estate Broker, NK Property Management				Author is a manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Gilbert J. Schanzmeyer	Residential landlord				Author is an owner of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Gloria Gandara	Residential landlord				Author is an owner of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Thomas R. Shuler	Chief Operating Officer, Insignia Financial Group, Inc.	Cover letter from Senator Ernest F. Hollings dated June 19,1997 forwarding author's letter to Brady Williamson.			Author's employer is a manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Peter M. Vilim	Waterton Associates	Cover letter dated June 13, 1997 from Senator Carol Moseley-Braun to The Hon. Brady Williamson forwarding author's letter.			Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Patrick M. Calello	Calello Agency, Real Estate				Author is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Paul G. Marshall	Marshall & Moran, Inc.				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Judy Drake	Asset Manager, America's Preferred Homes (two addresses are given on letterhead, one in Florida and one in Texas, neither is checked off)				Author's employer is an owner and/or manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Ferd Lightner	Jefferson West Apt's.				Author's employer is an owner of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Michael A. Costa	President, Kaufman Broad				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Marion B. Duke	Property Manager, Assisted Properties, The Mitchell Company			11	Author's employer is an owner and/or manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Pete Peterson	Senior Vice President, Evans Withycombe Residential, Inc.				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Thomas W. Sabin, Jr.	GSSW, L.P., A Real Estate Investment Partnership				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Anna Swann	Licoln Property Company			11	Author's employer is a manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	LuAnne Acton	Area Property Manager, Jackson Management Group			11	Author's employer is a manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Marvin G. Dole	Dole Properties				Author is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Paul Sack	The Paul Sack Properties				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Kristin McLaughlin	Senior Portfolio Manager, Koll Management Services, Southwest Region				Author's employer is an owner and/or manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Wynn L. Sandberg	None given.				Author is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Betty Schwarz	Residential landlord				Author is an owner of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Ned Fisher	Residential landlord				Author is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Teresa Walker	Griffith Development	Cover letter from Senator Sam Brownback dated April 30, 1997 forwarding author's letter to The Hon. Brady Williamson.		10	Author's employer is an owner and/or manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Lessie Lott	Residential landlord				Author is an owner and/or manager of residential rental properties and is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Rochelle L. Barlow	None given.				Author is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Marjorie Mueller	Office Manager, Resna Associates				Author's employer is an owner and/or manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Steve Ganzkow	Partner, Lincoln Property Company			10	Author is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Becky Weaver	Vice President, Licoln Property Company			10	Author's employer is an owner and/or manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Jay Helm	Partner, Lincoln Property Company			10	Author is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Laura M. Dedebant	Business Manager, Crystal Palms			11	Author's employer is an owner and/or manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Kathy Staton	Cross Keys Village			11	Author's employer is an owner and/or manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Larry Turner	President, Turner Carpet Cleaning, Inc.	Cover letter from Senator Ed Bryant dated April 2, 1997 forwarding his constituent's letter to Mr. Brady Williamson.			Author is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Peter D. Anzo	CEO/President, Vinings Investment Properties, Inc.			11	Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	William Schulder	Westminster Management, L.P.				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Nancy J. Geltman	President, Samuel Geltman & Co., Real Estate				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Herbert Brien	Lismarc Realty Management Corp.				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Myrna Baca	Senior Property Manager, Acacia Park Apartments				Author's employer is an owner and/or manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Donald J. Williams	Edward Rose of Indiana (Developers, Builders, Property Managers)	Attachment of list of apartments owned and managed by Edward Rose of Indiana; Cover letter dated March 6, 1997 from Senator Dan Coats to The Hon. Brady Williamson forwarding author's letter.			Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Anthony J. Roxstrom	Arnel Management Company				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Grace Sun	Residential property landlord				Author is an owner of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	D. Kay Harrison	Landlord, National Real Estate Service				Author is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Janice Lind	Regional Supervisor, Fairfield Properties, Inc.				Author's employer is an owner and/or manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Brian P. Gagan	Regional Portfolio Manager, Maxim Property Management				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Alice Fletcher	Property Manager, Preston Square Apartments				Author's employer is an owner and/or manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Debbie Smith	Property Manager, Ash Tree Apartments				Author's employer is an owner and/or manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Wynn White	Assistant Property Manager, Cambridge Square				Author's employer is an owner and/or manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Mollie Baker	Assistant Property Manager, Woodrow Apartments				Author's employer is an owner and/or manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Fran Staton	Property Manager, Oxford Hill Apartments				Author's employer is an owner and/or manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Connie Dunn	Property Manager, Rugby McIntyre Apartments				Author's employer is an owner and/or manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Brian C. Wareing	President, Centurion Management Company				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	James E. Johnson	Residential landlord				Author is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Rona Smith	Manager, Polos West			11	Author's employer is an owner and/or manager of residential rental properties and she is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Carla Ccrisp	Area Property Manager, Royal Oak Apartments (no address given)				Author's employer is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Dorren Leonard	Property Manager, The Vinings at Lake Lotus			11	Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Sydney Burks	Property Manager, Images Apartments			11	Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Donald E. Whitman	Heritage Equities, Incorporated, Stonegate Office			11	Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	George H. Lane, III	Chairman and CEO, Lane Company			11	Author's company is a manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Lisa M. Porter	Property Manager, The Vinings at Westwood			11	Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Deborah J. Brewington	Srpingfield Apartments				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Carol Jay	Asset Manager, Monterey Point				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Robert B. Whitley	Regional Property Manager, Krupp Bros. Limited Partnership	Copy of Eviction Notice Information - flier from The File Aid of New Jersey which claims to help tenants who are behind on rent to "file the proper forms in order to keep you in your apartment without paying any of your overdue rent."			Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted, particularly at their Newark, NJ properties.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Verryl V. Fosnight	Fosnight Properties				Author's company is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Fred J. Hendrick	Property Manager, Anasari Management Group, Inc.				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Haydon Stanley	Government Affairs Director, GAA (Georgia Apartment Association)			11	Author's employer represents over 500 owners and managers of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Denise Fallin Deal	Government Affairs Representative, Atlanta Apartment Association			11	Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	L.A. "Buddy" Patrick	Executive Officer, Atlanta Apartment Association			11	Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Irene Kinard	Apartment Manager, Ponderosa Apartments				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Dixie Lee Weiss	Residential Landlord				Author is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Steve Altman	The Altman Group of Companies				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Teresa Shaffer	Property Manager, Chickasaw Crossings			11	Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Patty Boge	Residential landlord (no address given)				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	LuAnne Acton	Area Property Manager, Jackson Management Group			11	Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Lisa Brown	Highlander Rentals, Inc.				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Jeff Kole	Kole Management Company			11	Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Patrick M. Kelly	President, FDC Management, Inc.				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Delbert G. McDougal	President and CEO, McDougal Properties, L.C.				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Karen Headrick	Community Manager, Lake Park Apartments				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Faye B. Bradshaw	Community Manager, HRI Management Corporation				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Frazier Crawford	Senior Vice President, Magallan Corporations				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Tammy Esponge	Property Manager, Azalea Gardens				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Sandra Avery	Property Coordinator, Rentmore Management, Inc.				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Robert W. Day	President, Rentmore Management, Inc.				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Marc Ross	President, Bob Ross Realty				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Thomas L. Cavanaugh	Vice-President, P.A.C. Land Development Corporation			11	Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	DavidA. Canzoneri	Far West Management Corporation				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	G.J. Granatelli	Manager, Capitol Management Corporation				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	John T. Flattery	Executive Vice President, Worthing Southeast Corporation			11	Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Bruce E. Peterson	Chief Operating Officer/Senior Vice President, Schuparra Properties Corporation				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Michael F. Markham	President, Patio Palms Apartments, LLC				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Alyce Patton	President, Columbus Apartment Association			11	Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Frank O. Holloway	President, Advanced Management Company				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Vicki Binford	Dirctor of Property Operations, Advanced Management Company				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	James Newkirk and Martha Newkirk	Residential landlords	News clipping from Los Angeles Times, May 8, "Many Poor Duped Into Bankruptcy", flyers from bankruptcy mills.			Authors are owners of residential rental properties and they are upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Christine A. Thibodeaux	Resident Manager, Magnolia Place				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Lawrence D. Schaffer	President, TownHomes Management Inc.				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Mary J. Wessler	Vice President, Great West Management & Realty, Ltd.			10	Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Deborah Luke	Manager, The Georgian Apartments				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Gary Blumberg	President, DMC Management Company				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Richard D. Levy	CEO, Oriole Homes Corp.			11	Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	E. Marlene Mahoney	President, FABCO				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Darrell L. Spegal	Chief Operating Officer, TownHomes Management Inc.				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	John A. Mahoney	Owner, Mahoney Enterprises				Author is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Patricia g. Guckeen	Senior Vice President, Sizeler Real Estate Management Co., Inc.				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Mitzi W. Nagim	Manager, Steeplechase Apartments				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Mary Beth Marshall	Regional Vice President, Summit Properties				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Robert H. Getzin	Residential landlord and property manager				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Gary r. Hediger	President, Hediger Enterprises, Inc.				Author's company is an owner and/or manager of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Richard J. Julian	Vice President, Advanced Management Company				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	M. Wesley Hall, III	Attorney who represents residential landlords				Author's employers are owners and/or managers of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Pete Peterson	Vice President, Evans Withycombe Residential, Inc.				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Mark Decker	Vice President, Colonial Properties Trust			11	Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	A.R. Wilson	President/Broker, A.R.Wilson Realtors				Author is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Rae Hebert	Property Manager, Garden Lane Apartments				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Donald J. Williams	Edward Rose of Indiana				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Jill Clements	Vice President, Butte Properties, Inc.				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Donald J. Williams	Occidental Development, Ltd.				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Donald J. Williams	Edward Rose Associates				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Kenneth M. Teske	President, Anza Management Company				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	P. Ronald Sabatino	President, T&R Properties				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Jodie Tavison	Bigelow Management Incorporated				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Robert E. Walker	Residential landlord				Author is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Michael Boggs	Bigelow Management Incorporated				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Debbie Holder	Vice President, Bigelow Management Incorporated				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Bonnie L. Odum	Manager, Woodstream				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Kim Snider	Vice President, Charleston Apartment Association				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Sherle H. Brown	Engineered Concepts, Inc.; ECI Management Corporation; ECI Properties, Inc.; ECI Realty, Inc.			11	Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Michael Whitcomb	General Partner, Crestmoor Management Company			10	Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Angelina Kritzmor ()	Residential Landlord				Author is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	James M. Schwartz	Waterton Associates				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Dolores M. DePaoli and Frank J. DePaoli	Residential Landlords				Authors are owners and/or managers of residential rental properties and they are upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Gary D. Cramer	Residential Landlord				Author is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Vikki Morley	Vice President, Bigelow Management Incorporated				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Azar Meszaros	Regional Manager, Bigelow Management Incorporated				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Karen C. McCurdy	Vice President, Property Administration, USA Properties Fund				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Robert S. Burns	President, Burns Properties, Inc.				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Helen T. Andersen	Residential landlord				Author is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Marion Towers	Residential landlord				Author is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Viki Stewart	Residential Landlord (no state given)				Author is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Lisa Robinson	Regional Manager, Trammell Crow Residential Services			11	Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Sharon Lundgren	Gerald Lundgren Real Estate				Author's employer is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	William H. Oliver, Jr. and Margaret L. Oliver	Residential Landlords				Authors are owners and/or managers of residential rental properties and they are upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Glenda M. Wenzel	elan Property Management				Author's company is an owner and/or manager of residential rental properties and s/he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delaying tenant evictions.
NBRC- 1170	Eric B. West	Owner, Colonial Manor Apartments				Author is an owner of residential rental properties and he is upset that tenants are using the automatic stay provision of bankruptcy proceedings to stay on the premises rent-free when they have defaulted.	Amend the automatic stay provisions of the Bankruptcy Code to prevent its use from delay