h 336 54004 1231218000 false 1235505720 23 200 10867 111 400080

2/24/2009--Reported to House amended. Helping Families Save their Homes in Bankruptcy Act of 2009 - (Sec. 1) Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit; or (2) debts secured or formerly secured by a debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the current value of such real property is less than the secured debt limit. (Sec. 2) Declares the credit counseling requirement inapplicable to a Chapter 13 debtor who certifies that he or she has received notice that the holder of a claim secured by the debtor's principal residence may commence a foreclosure on the debtor's principal residence. (Sec. 3) Requires the court to disallow a claim for a loan secured by a security interest in the debtor's principal residence that is subject to remedy for damages or rescission due to violations of the Truth in Lending Act, notwithstanding prior entry of a foreclosure judgment. Prohibits construction of such disallowance to modify, impair, or supersede any other right of the debtor. (Sec. 4) Allows modification of claim holders' rights in connection with a foreclosure notice for a chapter 13 debtor whose loan originated before the effective date of this Act. Allows changing an adjustable rate of interest to a fixed rate, and extending the repayment period. Prescribes conditions for reducing a claim under this Act if the debtor receives net proceeds from the sale of the principal residence before receiving a discharge in bankruptcy. Establishes requirements for modification of other kinds of claims for a loan secured by a security interest in the debtor's principal residence. (Sec. 5) Denies debtor liability for certain fees and charges incurred while the bankruptcy case is pending and arising from a debt secured by the debtor's principal residence, unless the claim holder observes specified requirements. (Sec. 6) Adds to conditions for court confirmation of a plan in bankruptcy that: (1) the holder of a claim for a loan secured by the debtor's principal residence retain the lien securing the claim until the later of the payment of such claim as reduced and modified or the discharge of a debtor from all debts; and (2) the plan modifies the claim in good faith and the court finds that the debtor did not obtain the modified claim by the debtor's material misrepresentation, false pretenses, or actual fraud. (Sec. 7) Excludes from final discharge of a debtor from all debts: (1) any payments to claim holders whose rights are modified under this Act; and (2) any unpaid portion of a claim as reduced. (Sec. 8) Prohibits the construction of this Act to modify any obligation of the Federal Housing Administration (FHA), the Veterans Administration (VA), or the Department of Agriculture under a contract that guarantees or insures payment of a loan secured by a security interest in a principal residence.

1235505720 2009-02-24 Fri Nov 13 10:34:39 -0600 2009 reported to house 54004 'act':8 '2009':10 'help':1 'home':5 'save':3 'famili':2 'bankruptci':7 71958 false short introduced 54004 'act':8 '2009':10 'help':1 'home':5 'save':3 'famili':2 'bankruptci':7 66924 false short introduced 54004 '11':4 'code':9 'titl':3 'unit':7 'amend':2 'modif':13 'resid':19 'state':8 'purpos':23 'certain':15 'mortgag':16 'princip':18 'respect':11 66925 false official calendar 54004 1235505720 Tue Feb 24 16:02:00 -0600 2009 185304 Placed on the Union Calendar, Calendar No. 7. C000714 1929-05-16 15469 2426 Rayburn House Office Building http://conyers.house.gov/index.cfm?FuseAction=Contact.OnlineContactForm 14 202-225-0072 John 'd':4 'mi':5 '-14':6 'rep':1 'john':2,7,9 'conyer':3,8,10 M 400080 Conyers John_Jr.Conyers Rep. John Conyers [D, MI-14] 6145 N00004029 12954 Democrat 202-225-5126 Baptist MI John Conyers 3.23636363636364 http://www.house.gov/conyers/ B000410 1941-04-15 5136 2221 Rayburn House Office Building http://www.house.gov/berman/contact/ 28 202-225-3196 Howard 'd':4 'ca':5 '-28':6 'rep':1 'berman':3,8,10 'howard':2,7,9 M 400025 Berman Howard_L._Berman L. Rep. Howard Berman [D, CA-28] 2240 N00008094 9574 Democrat 202-225-4695 Jewish CA Howard Berman 2.6875 http://www.house.gov/berman/ C001068 1949-05-24 5283 1004 Longworth House Office Building http://cohen.house.gov/index.php?option=com_email_form&Itemid=113 9 202-225-5663 Steve 'd':4 '-9':6 'tn':5 'rep':1 'cohen':3,8,10 'steve':2,7,9 M 412236 Cohen Stephen_Cohen Rep. Steve Cohen [D, TN-9] 2039 N00003225 9029 Democrat 202-225-3265 TN Steve Cohen 3.84615384615385 http://www.legislature.state.tn.us/senate/members/s30.htm RepCohen D000210 1941-07-18 3324 2454 Rayburn House Office Building http://www.house.gov/writerep 10 202-225-5658 William 'd':4 'ma':5 '-10':6 'rep':1 'bill':9 'william':2,7,10 'delahunt':3,8,11 M 400102 Delahunt William_D._Delahunt D. Rep. William Delahunt [D, MA-10] 1721 Bill N00000280 7927 Democrat 202-225-3111 Catholic MA Bill William Delahunt 2.88888888888889 http://www.house.gov/delahunt/ repdelahunt E000290 1958-06-28 1670 318 Cannon House Office Building http://www.house.gov/writerep 4 202-225-8714 Donna 'd':4 '-4':6 'md':5 'rep':1 'donna':2,7,9 'edward':3,8,10 F 412263 Edwards Donna_Edwards F. Rep. Donna Edwards [D, MD-4] 378 N00028249 3058 Democrat 202-225-8699 MD Donna Edwards 3.46153846153846 http://donnaedwards.house.gov/ G000551 1948-02-19 3572 1440 Longworth House Office Building http://grijalva.house.gov/?sectionid=49&sectiontree=2,49 7 202-225-1541 Raul 'd':4 '-7':6 'az':5 'rep':1 'raul':2,7,9 'grijalva':3,8,10 M 400162 Grijalva M. Rep. Raul Grijalva [D, AZ-7] 1741 N00025284 7428 Democrat 202-225-2435 Roman Catholic AZ Raul Grijalva 3.05882352941176 http://grijalva.house.gov/ G000535 1953-12-10 2959 2266 Rayburn House Office Building http://www.house.gov/writerep 4 202-225-7810 Luis 'd':4 '-4':6 'il':5 'lui':2,7,9 'rep':1 'gutierrez':10 'gutiérrez':3,8 M 400163 Gutiérrez Luis_V._Gutierrez V. Rep. Luis Gutiérrez [D, IL-4] 1137 N00004874 8648 Democrat 202-225-8203 Roman Catholic IL Luis Gutierrez 1.84615384615385 http://luisgutierrez.house.gov/ J000032 1950-01-12 4369 2435 Rayburn House Office Building http://www.jacksonlee.house.gov/contact-form.shtml 18 202-225-3317 Sheila 'd':6 'tx':7 '-18':8 'lee':5,12,16 'rep':1 'sheila':2,9,13 'jackson':4,11,15 'jackson-le':3,10,14 F 400199 Jackson-Lee Sheila_Jackson-Lee Rep. Sheila Jackson-Lee [D, TX-18] 1872 N00005818 12534 Democrat 202-225-3816 Seventh Day Adventist TX Sheila Jackson-Lee 1.86046511627907 http://www.jacksonlee.house.gov/ J000288 1995 1133 Longworth House Office Building http://hankjohnson.house.gov/contact_hank_write.shtml 4 202-226-0691 Henry 'd':4 '-4':6 'ga':5 'rep':1 'hank':9 'henri':2,7,10 'johnson':3,8,11 M 412199 Johnson Hank_Johnson C. Rep. Henry Johnson [D, GA-4] 563 Hank N00027848 6736 Democrat 202-225-1605 GA Hank Henry Johnson 5.07142857142857 http://hankjohnson.house.gov/ RepHankJohnson K000113 1967-07-14 6740 407 Cannon House Office Building https://forms.house.gov/formpatrickkennedy/IMA/contact.htm 1 202-225-3290 Patrick 'd':4 '-1':6 'ri':5 'rep':1 'kennedi':3,8,10 'patrick':2,7,9 M 400215 Kennedy Patrick_J._Kennedy Joseph Rep. Patrick Kennedy [D, RI-1] 2862 N00000360 8937 Democrat 202-225-4911 Roman Catholic RI Patrick Kennedy 1.64705882352941 http://patrickkennedy.house.gov/ K000336 1946-10-08 17563 2445 Rayburn House Office Building http://kucinich.house.gov/Contact/Starter.htm 10 202-225-5745 Dennis 'd':4 'oh':5 '-10':6 'rep':1 'denni':2,7,9 'kucinich':3,8,10 M 400227 Kucinich Dennis_J._Kucinich J. Rep. Dennis Kucinich [D, OH-10] 5939 N00003572 14711 Democrat 202-225-5871 Catholic OH Dennis Kucinich 7.32638888888889 http://kucinich.house.gov/ djkucinich L000287 1940-02-21 6720 343 Cannon House Office Building http://www.house.gov/formjohnlewis/contact.html 5 202-225-0351 John 'd':4 '-5':6 'ga':5 'rep':1 'john':2,7,9 'lewi':3,8,10 M 400240 Lewis John_Lewis R. Rep. John Lewis [D, GA-5] 3268 N00002577 7615 Democrat 202-225-3801 Baptist GA John Lewis 4.3 http://johnlewis.house.gov/ RepJohnLewis N000002 1947-06-13 4484 2334 Rayburn House Office Building http://www.house.gov/nadler/emailform.shtml 8 202-225-6923 Jerrold 'd':4 '-8':6 'ny':5 'rep':1 'nadler':3,8,10 'jerrold':2,7,9 M 400289 Nadler Jerrold_Nadler L. Rep. Jerrold Nadler [D, NY-8] 1733 N00000939 7229 Democrat 202-225-5635 Jewish NY Jerrold Nadler 3.33333333333333 http://www.house.gov/nadler/ S001156 1969-01-28 2663 1222 Longworth House Office Building http://www.house.gov/writerep 39 202-226-1012 Linda 'd':4 'ca':5 '-39':6 'rep':1 'linda':2,7,9 'sanchez':10 'sánchez':3,8 F 400355 Sánchez T. Rep. Linda Sánchez [D, CA-39] 934 N00024870 7164 Democrat 202-225-6676 Roman Catholic CA Linda Sanchez 1.6 http://www.lindasanchez.house.gov/ S000185 1947-04-30 3727 1201 Longworth House Office Building http://www.house.gov/writerep 3 202-225-8354 Robert 'd':4 '-3':6 'va':5 'rep':1 'bobbi':9 'scott':3,8,11 'robert':2,7,10 M 400364 Scott Robert_C._Scott C. Rep. Robert Scott [D, VA-3] 1059 Bobby N00002147 7349 Democrat 202-225-8351 Episcopalian VA Bobby Robert Scott 1.5 http://www.house.gov/scott/ RepBobbyScott W000187 1938-08-15 5657 2344 Rayburn House Office Building http://www.house.gov/waters/IMA/issue.htm 35 202-225-7854 Maxine 'd':4 'ca':5 '-35':6 'rep':1 'maxin':2,7,9 'water':3,8,10 F 400422 Waters Maxine_Waters Rep. Maxine Waters [D, CA-35] 2265 N00006690 8356 Democrat 202-225-2201 Christian CA Maxine Waters 1.75 http://www.house.gov/waters/ MaxineWaters W000207 1945-08-26 1624 2236 Rayburn House Office Building http://www.house.gov/formwatt/IMA/issue_subscribe.htm 12 202-225-1512 Melvin 'd':4 'nc':5 '-12':6 'mel':9 'rep':1 'watt':3,8,11 'melvin':2,7,10 M 400424 Watt Melvin_L._Watt Luther Rep. Melvin Watt [D, NC-12] 395 Mel N00002328 5726 Democrat 202-225-1510 Presbyterian NC Mel Melvin Watt 0.473684210526316 http://www.house.gov/watt/ W000793 1955-04-08 2733 2338 Rayburn House Office Building http://www.house.gov/wu/email.shtml 1 202-225-9497 David 'd':4 '-1':6 'wu':3,8,10 'rep':1 'david':2,7,9 M 400437 Wu David_Wu Rep. David Wu [D, OR-1] 967 N00009824 7054 Democrat 202-225-0855 OR David Wu 4.0 http://www.house.gov/wu/ calendar 54004 1235505720 Tue Feb 24 16:02:00 -0600 2009 185304 Placed on the Union Calendar, Calendar No. 7. action 54004 1235505720 Tue Feb 24 16:02:00 -0600 2009 185303 Reported (Amended) by the Committee on Judiciary. H. Rept. 111-19. action 54004 1233032400 Tue Jan 27 00:00:00 -0600 2009 183892 Committee Consideration and Mark-up Session Held. calendar 54004 1233032400 Tue Jan 27 00:00:00 -0600 2009 183893 Ordered to be Reported (Amended) by the Yeas and Nays: 21 - 15. action 54004 1232600400 Thu Jan 22 00:00:00 -0600 2009 182216 Committee Hearings Held. introduced 54004 1231218000 Tue Jan 06 00:00:00 -0600 2009 180832 action 54004 1231218000 Tue Jan 06 00:00:00 -0600 2009 180833 Referred to the House Committee on the Judiciary.