| | | | | | | | | | | | | | | | | | | | | | Croxson, Michael (Care One Services, Inc.), Columbia, MD |
| | | | Johnson, Scott C. (US Debt Resolve), Dallas, TX |
| | | | Kerr, Michael (Uniform Law Commission), Chicago, IL |
| | | | Young, Wesley (TASC- The Association of Settlement Co's), Dallas, TX |
| | | | | | Ansbach, John (USOBA), Coppell, TX |
| | | | Keehnen, Jenna (United States Organizations for Bankruptcy Alternatives- USOBA), Houston, TX |
| | | | Thomas, Jim (Credit and Debt Mgmt), Dallas, TX |
| | | | | | Pettijohn, Leslie (Credit Commissioner), Austin, TX |
| | | | Rose, Jeff Deputy First Asst. (Office of Attorney General), Austin, TX |
| | | Registering, but not testifying: |
| | | | | | Morgan, Thomas (American Collectors Association of Texas), Lindale, TX |
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