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SEC. 318. CHAPTER 13 PLANS TO HAVE A 5-YEAR DURATION 
IN CERTAIN CASES. 
Title 11, United States Code, is amended—
(1) by amending section 1322(d) to read as fol-
lows: 
‘‘(d)(1) If the current monthly income of the debtor 
and the debtor’s spouse combined, when multiplied by 12, 
is not less than—
‘‘(A) in the case of a debtor in a household of 
1 person, the median family income of the applicable 
State for 1 earner; 
‘‘(B) in the case of a debtor in a household of 
2, 3, or 4 individuals, the highest median family in-
come of the applicable State for a family of the same 
number or fewer individuals; or 
‘‘(C) in the case of a debtor in a household ex-
ceeding 4 individuals, the highest median family in-
come of the applicable State for a family of 4 or 
fewer individuals, plus $525 per month for each in-
dividual in excess of 4, 
the plan may not provide for payments over a period that 
is longer than 5 years. 
‘‘(2) If the current monthly income of the debtor and 
the debtor’s spouse combined, when multiplied by 12, is 
less than—
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‘‘(A) in the case of a debtor in a household of 
1 person, the median family income of the applicable 
State for 1 earner; 
‘‘(B) in the case of a debtor in a household of 
2, 3, or 4 individuals, the highest median family in-
come of the applicable State for a family of the same 
number or fewer individuals; or 
‘‘(C) in the case of a debtor in a household ex-
ceeding 4 individuals, the highest median family in-
come of the applicable State for a family of 4 or 
fewer individuals, plus $525 per month for each in-
dividual in excess of 4, 
the plan may not provide for payments over a period that 
is longer than 3 years, unless the court, for cause, ap-
proves a longer period, but the court may not approve a 
period that is longer than 5 years.’’; 
(2) in section 1325(b)(1)(B), by striking 
‘‘three-year period’’ and inserting ‘‘applicable com-
mitment period’’; and 
(3) in section 1325(b), as amended by section 
102, by adding at the end the following: 
‘‘(4) For purposes of this subsection, the ‘applicable 
commitment period’—
‘‘(A) subject to subparagraph (B), shall be—
‘‘(i) 3 years; or
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‘‘(ii) not less than 5 years, if the current 
monthly income of the debtor and the debtor’s 
spouse combined, when multiplied by 12, is not 
less than— 
‘‘(I) in the case of a debtor in a 
household of 1 person, the median family 
income of the applicable State for 1 earn-
er; 
‘‘(II) in the case of a debtor in a 
household of 2, 3, or 4 individuals, the 
highest median family income of the appli-
cable State for a family of the same num-
ber or fewer individuals; or 
‘‘(III) in the case of a debtor in a 
household exceeding 4 individuals, the 
highest median family income of the appli-
cable State for a family of 4 or fewer indi-
viduals, plus $525 per month for each indi-
vidual in excess of 4; and 
‘‘(B) may be less than 3 or 5 years, whichever 
is applicable under subparagraph (A), but only if the 
plan provides for payment in full of all allowed unse-
cured claims over a shorter period.’’; and
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(4) in section 1329(c), by striking ‘‘three 
years’’ and inserting ‘‘the applicable commitment pe-
riod under section 1325(b)(1)(B)’’. 
SEC. 319. SENSE OF CONGRESS REGARDING EXPANSION OF 
RULE 9011 OF THE FEDERAL RULES OF BANK-
RUPTCY PROCEDURE. 
It is the sense of Congress that rule 9011 of the Fed-
eral Rules of Bankruptcy Procedure (11 U.S.C. App.) 
should be modified to include a requirement that all docu-
ments (including schedules), signed and unsigned, sub-
mitted to the court or to a trustee by debtors who rep-
resent themselves and debtors who are represented by at-
torneys be submitted only after the debtors or the debtors’ 
attorneys have made reasonable inquiry to verify that the 
information contained in such documents is—
(1) well grounded in fact; and 
(2) warranted by existing law or a good faith 
argument for the extension, modification, or reversal 
of existing law. 
SEC. 320. PROMPT RELIEF FROM STAY IN INDIVIDUAL 
CASES. 
Section 362(e) of title 11, United States Code, is 
amended—
(1) by inserting ‘‘(1)’’ after ‘‘(e)’’; and 
(2) by adding at the end the following:
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‘‘(2) Notwithstanding paragraph (1), in a case under 
chapter 7, 11, or 13 in which the debtor is an individual, 
the stay under subsection (a) shall terminate on the date 
that is 60 days after a request is made by a party in inter-
est under subsection (d), unless—
‘‘(A) a final decision is rendered by the court 
during the 60-day period beginning on the date of 
the request; or 
‘‘(B) such 60-day period is extended—
‘‘(i) by agreement of all parties in interest; 
or 
‘‘(ii) by the court for such specific period 
of time as the court finds is required for good 
cause, as described in findings made by the 
court.’’. 
SEC. 321. CHAPTER 11 CASES FILED BY INDIVIDUALS. 
(a) PROPERTY OF THE ESTATE.—
(1) IN GENERAL.—Subchapter I of chapter 11 
of title 11, United States Code, is amended by add-
ing at the end the following: 
‘‘§ 1115. Property of the estate 
‘‘(a) In a case in which the debtor is an individual, 
property of the estate includes, in addition to the property 
specified in section 541—