ment, your reaffirmation agreement becomes effec-
tive upon filing with the court.’. 
‘‘(4) The form of such agreement required under this 
paragraph shall consist of the following: 
‘‘ ‘Part B: Reaffirmation Agreement. I (we) agree to 
reaffirm the debts arising under the credit agreement de-
scribed below. 
‘‘ ‘Brief description of credit agreement: 
‘‘ ‘Description of any changes to the credit agreement 
made as part of this reaffirmation agreement: 
‘‘ ‘Signature:
Date: 
‘‘ ‘Borrower: 
‘‘ ‘Co-borrower, if also reaffirming these debts: 
‘‘ ‘Accepted by creditor: 
‘‘ ‘Date of creditor acceptance:’. 
‘‘(5) The declaration shall consist of the following: 
‘‘(A) The following certification: 
‘‘ ‘Part C: Certification by Debtor’s Attorney (If 
Any). 
‘‘ ‘I hereby certify that (1) this agreement represents 
a fully informed and voluntary agreement by the debtor; 
(2) this agreement does not impose an undue hardship on 
the debtor or any dependent of the debtor; and (3) I have 
fully advised the debtor of the legal effect and con-
sequences of this agreement and any default under this 
agreement. 
‘‘ ‘Signature of Debtor’s Attorney:
Date:’. 
‘‘(B) If a presumption of undue hardship has 
been established with respect to such agreement, 
such certification shall state that in the opinion of 
the attorney, the debtor is able to make the pay-
ment. 
‘‘(C) In the case of a reaffirmation agreement 
under subsection (m)(2), subparagraph (B) is not 
applicable. 
‘‘(6)(A) The statement in support of such agreement, 
which the debtor shall sign and date prior to filing with 
the court, shall consist of the following: 
‘‘ ‘Part D: Debtor’s Statement in Support of Reaffir-
mation Agreement. 
‘‘ ‘1. I believe this reaffirmation agreement will not 
impose an undue hardship on my dependents or me. I can 
afford to make the payments on the reaffirmed debt be-
cause my monthly income (take home pay plus any other 
income received) is $lll, and my actual current 
monthly expenses including monthly payments on post-
bankruptcy debt and other reaffirmation agreements total 
$lll, leaving $lll to make the required payments 
on this reaffirmed debt. I understand that if my income
less my monthly expenses does not leave enough to make 
the payments, this reaffirmation agreement is presumed 
to be an undue hardship on me and must be reviewed by 
the court. However, this presumption may be overcome if 
I explain to the satisfaction of the court how I can afford 
to make the payments here: lll. 
‘‘ ‘2. I received a copy of the Reaffirmation Disclosure 
Statement in Part A and a completed and signed reaffir-
mation agreement.’. 
‘‘(B) Where the debtor is represented by an attorney 
and is reaffirming a debt owed to a creditor defined in 
section 19(b)(1)(A)(iv) of the Federal Reserve Act, the 
statement of support of the reaffirmation agreement, 
which the debtor shall sign and date prior to filing with 
the court, shall consist of the following: 
‘‘ ‘I believe this reaffirmation agreement is in my fi-
nancial interest. I can afford to make the payments on 
the reaffirmed debt. I received a copy of the Reaffirmation 
Disclosure Statement in Part A and a completed and 
signed reaffirmation agreement.’. 
‘‘(7) The motion that may be used if approval of such 
agreement by the court is required in order for it to be 
effective, shall be signed and dated by the movant and 
shall consist of the following:
‘‘ ‘Part E: Motion for Court Approval (To be com-
pleted only if the debtor is not represented by an attor-
ney.). I (we), the debtor(s), affirm the following to be true 
and correct: 
‘‘ ‘I am not represented by an attorney in connection 
with this reaffirmation agreement. 
‘‘ ‘I believe this reaffirmation agreement is in my best 
interest based on the income and expenses I have disclosed 
in my Statement in Support of this reaffirmation agree-
ment, and because (provide any additional relevant rea-
sons the court should consider): 
‘‘ ‘Therefore, I ask the court for an order approving 
this reaffirmation agreement.’. 
‘‘(8) The court order, which may be used to approve 
such agreement, shall consist of the following: 
‘‘ ‘Court Order: The court grants the debtor’s motion 
and approves the reaffirmation agreement described 
above.’. 
‘‘(l) Notwithstanding any other provision of this title 
the following shall apply: 
‘‘(1) A creditor may accept payments from a 
debtor before and after the filing of an agreement of 
the kind specified in subsection (c) with the court.
‘‘(2) A creditor may accept payments from a 
debtor under such agreement that the creditor be-
lieves in good faith to be effective. 
‘‘(3) The requirements of subsections (c)(2) and 
(k) shall be satisfied if disclosures required under 
those subsections are given in good faith. 
‘‘(m)(1) Until 60 days after an agreement of the kind 
specified in subsection (c) is filed with the court (or such 
additional period as the court, after notice and a hearing 
and for cause, orders before the expiration of such period), 
it shall be presumed that such agreement is an undue 
hardship on the debtor if the debtor’s monthly income less 
the debtor’s monthly expenses as shown on the debtor’s 
completed and signed statement in support of such agree-
ment required under subsection (k)(6)(A) is less than the 
scheduled payments on the reaffirmed debt. This pre-
sumption shall be reviewed by the court. The presumption 
may be rebutted in writing by the debtor if the statement 
includes an explanation that identifies additional sources 
of funds to make the payments as agreed upon under the 
terms of such agreement. If the presumption is not rebut-
ted to the satisfaction of the court, the court may dis-
approve such agreement. No agreement shall be dis-
approved without notice and a hearing to the debtor and
creditor, and such hearing shall be concluded before the 
entry of the debtor’s discharge. 
‘‘(2) This subsection does not apply to reaffirmation 
agreements where the creditor is a credit union, as defined 
in section 19(b)(1)(A)(iv) of the Federal Reserve Act.’’. 
(b) LAW ENFORCEMENT.—
(1) IN GENERAL.—Chapter 9 of title 18, United 
States Code, is amended by adding at the end the 
following: 
‘‘§ 158. Designation of United States attorneys and 
agents of the Federal Bureau of Inves-
tigation to address abusive reaffirma-
tions of debt and materially fraudulent 
statements in bankruptcy schedules 
‘‘(a) IN GENERAL.—The Attorney General of the 
United States shall designate the individuals described in 
subsection (b) to have primary responsibility in carrying 
out enforcement activities in addressing violations of sec-
tion 152 or 157 relating to abusive reaffirmations of debt. 
In addition to addressing the violations referred to in the 
preceding sentence, the individuals described under sub-
section (b) shall address violations of section 152 or 157 
relating to materially fraudulent statements in bankruptcy 
schedules that are intentionally false or intentionally mis-
leading.
‘‘(b) UNITED STATES ATTORNEYS AND AGENTS OF 
THE FEDERAL BUREAU OF INVESTIGATION.—The indi-
viduals referred to in subsection (a) are—
‘‘(1) the United States attorney for each judi-
cial district of the United States; and 
‘‘(2) an agent of the Federal Bureau of Inves-
tigation for each field office of the Federal Bureau 
of Investigation. 
‘‘(c) BANKRUPTCY INVESTIGATIONS.—Each United 
States attorney designated under this section shall, in ad-
dition to any other responsibilities, have primary responsi-
bility for carrying out the duties of a United States attor-
ney under section 3057. 
‘‘(d) BANKRUPTCY PROCEDURES.—The bankruptcy 
courts shall establish procedures for referring any case 
that may contain a materially fraudulent statement in a 
bankruptcy schedule to the individuals designated under 
this section.’’. 
(2) CLERICAL AMENDMENT.—The table of sec-
tions for chapter 9 of title 18, United States Code, 
is amended by adding at the end the following:
‘‘158. Designation of United States attorneys and agents of the Federal Bureau 
of Investigation to address abusive reaffirmations of debt and 
materially fraudulent statements in bankruptcy schedules.’’.
SEC. 204. PRESERVATION OF CLAIMS AND DEFENSES UPON 
SALE OF PREDATORY LOANS. 
Section 363 of title 11, United States Code, is 
amended—
(1) by redesignating subsection (o) as sub-
section (p), and 
(2) by inserting after subsection (n) the fol-
lowing: 
‘‘(o) Notwithstanding subsection (f), if a person pur-
chases any interest in a consumer credit transaction that 
is subject to the Truth in Lending Act or any interest in 
a consumer credit contract (as defined in section 433.1 
of title 16 of the Code of Federal Regulations (January 
1, 2004), as amended from time to time), and if such in-
terest is purchased through a sale under this section, then 
such person shall remain subject to all claims and defenses 
that are related to such consumer credit transaction or 
such consumer credit contract, to the same extent as such 
person would be subject to such claims and defenses of 
the consumer had such interest been purchased at a sale 
not under this section.’’. 
SEC. 205. GAO STUDY AND REPORT ON REAFFIRMATION 
AGREEMENT PROCESS. 
(a) STUDY.—The Comptroller General of the United 
States shall conduct a study of the reaffirmation agree-
ment process that occurs under title 11 of the United
States Code, to determine the overall treatment of con-
sumers within the context of such process, and shall in-
clude in such study consideration of—
(1) the policies and activities of creditors with 
respect to reaffirmation agreements; and 
(2) whether consumers are fully, fairly, and 
consistently informed of their rights pursuant to 
such title. 
(b) REPORT TO THE CONGRESS.—Not later than 18 
months after the date of the enactment of this Act, the 
Comptroller General shall submit to the President pro 
tempore of the Senate and the Speaker of the House of 
Representatives a report on the results of the study con-
ducted under subsection (a), together with recommenda-
tions for legislation (if any) to address any abusive or co-
ercive tactics found in connection with the reaffirmation 
agreement process that occurs under title 11 of the United 
States Code. 
Subtitle B—Priority Child Support 
SEC. 211. DEFINITION OF DOMESTIC SUPPORT OBLIGA-
TION. 
Section 101 of title 11, United States Code, is 
amended—
(1) by striking paragraph (12A); and
(2) by inserting after paragraph (14) the fol-
lowing: 
‘‘(14A) ‘domestic support obligation’ means a 
debt that accrues before, on, or after the date of the 
order for relief in a case under this title, including 
interest that accrues on that debt as provided under 
applicable nonbankruptcy law notwithstanding any 
other provision of this title, that is—
‘‘(A) owed to or recoverable by—
‘‘(i) a spouse, former spouse, or child 
of the debtor or such child’s parent, legal 
guardian, or responsible relative; or 
‘‘(ii) a governmental unit; 
‘‘(B) in the nature of alimony, mainte-
nance, or support (including assistance provided 
by a governmental unit) of such spouse, former 
spouse, or child of the debtor or such child’s 
parent, without regard to whether such debt is 
expressly so designated; 
‘‘(C) established or subject to establish-
ment before, on, or after the date of the order 
for relief in a case under this title, by reason 
of applicable provisions of—
‘‘(i) a separation agreement, divorce 
decree, or property settlement agreement;
‘‘(ii) an order of a court of record; or 
‘‘(iii) a determination made in accord-
ance with applicable nonbankruptcy law by 
a governmental unit; and 
‘‘(D) not assigned to a nongovernmental 
entity, unless that obligation is assigned volun-
tarily by the spouse, former spouse, child of the 
debtor, or such child’s parent, legal guardian, 
or responsible relative for the purpose of col-
lecting the debt;’’. 
SEC. 212. PRIORITIES FOR CLAIMS FOR DOMESTIC SUP-
PORT OBLIGATIONS. 
Section 507(a) of title 11, United States Code, is 
amended—
(1) by striking paragraph (7); 
(2) by redesignating paragraphs (1) through 
(6) as paragraphs (2) through (7), respectively; 
(3) in paragraph (2), as so redesignated, by 
striking ‘‘First’’ and inserting ‘‘Second’’; 
(4) in paragraph (3), as so redesignated, by 
striking ‘‘Second’’ and inserting ‘‘Third’’; 
(5) in paragraph (4), as so redesignated—
(A) by striking ‘‘Third’’ and inserting 
‘‘Fourth’’; and
(B) by striking the semicolon at the end 
and inserting a period; 
(6) in paragraph (5), as so redesignated, by 
striking ‘‘Fourth’’ and inserting ‘‘Fifth’’; 
(7) in paragraph (6), as so redesignated, by 
striking ‘‘Fifth’’ and inserting ‘‘Sixth’’; 
(8) in paragraph (7), as so redesignated, by 
striking ‘‘Sixth’’ and inserting ‘‘Seventh’’; and 
(9) by inserting before paragraph (2), as so re-
designated, the following: 
‘‘(1) First: 
‘‘(A) Allowed unsecured claims for domes-
tic support obligations that, as of the date of 
the filing of the petition in a case under this 
title, are owed to or recoverable by a spouse, 
former spouse, or child of the debtor, or such 
child’s parent, legal guardian, or responsible 
relative, without regard to whether the claim is 
filed by such person or is filed by a govern-
mental unit on behalf of such person, on the 
condition that funds received under this para-
graph by a governmental unit under this title 
after the date of the filing of the petition shall 
be applied and distributed in accordance with 
applicable nonbankruptcy law.
‘‘(B) Subject to claims under subpara-
graph (A), allowed unsecured claims for domes-
tic support obligations that, as of the date of 
the filing of the petition, are assigned by a 
spouse, former spouse, child of the debtor, or 
such child’s parent, legal guardian, or respon-
sible relative to a governmental unit (unless 
such obligation is assigned voluntarily by the 
spouse, former spouse, child, parent, legal 
guardian, or responsible relative of the child for 
the purpose of collecting the debt) or are owed 
directly to or recoverable by a governmental 
unit under applicable nonbankruptcy law, on 
the condition that funds received under this 
paragraph by a governmental unit under this 
title after the date of the filing of the petition 
be applied and distributed in accordance with 
applicable nonbankruptcy law. 
‘‘(C) If a trustee is appointed or elected 
under section 701, 702, 703, 1104, 1202, or 
1302, the administrative expenses of the trustee 
allowed under paragraphs (1)(A), (2), and (6) 
of section 503(b) shall be paid before payment 
of claims under subparagraphs (A) and (B), to 
the extent that the trustee administers assets
that are otherwise available for the payment of 
such claims.’’. 
SEC. 213. REQUIREMENTS TO OBTAIN CONFIRMATION AND 
DISCHARGE IN CASES INVOLVING DOMESTIC 
SUPPORT OBLIGATIONS. 
Title 11, United States Code, is amended—
(1) in section 1129(a), by adding at the end the 
following: 
‘‘(14) If the debtor is required by a judicial or 
administrative order, or by statute, to pay a domes-
tic support obligation, the debtor has paid all 
amounts payable under such order or such statute 
for such obligation that first become payable after 
the date of the filing of the petition.’’; 
(2) in section 1208(c)—
(A) in paragraph (8), by striking ‘‘or’’ at 
the end; 
(B) in paragraph (9), by striking the pe-
riod at the end and inserting ‘‘; and’’; and 
(C) by adding at the end the following: 
‘‘(10) failure of the debtor to pay any domestic 
support obligation that first becomes payable after 
the date of the filing of the petition.’’; 
(3) in section 1222(a)—
(A) in paragraph (2), by striking ‘‘and’’ at 
the end; 
(B) in paragraph (3), by striking the pe-
riod at the end and inserting ‘‘; and’’; and 
(C) by adding at the end the following: 
‘‘(4) notwithstanding any other provision of this 
section, a plan may provide for less than full pay-
ment of all amounts owed for a claim entitled to pri-
ority under section 507(a)(1)(B) only if the plan 
provides that all of the debtor’s projected disposable 
income for a 5-year period beginning on the date 
that the first payment is due under the plan will be 
applied to make payments under the plan.’’; 
(4) in section 1222(b)—
(A) in paragraph (10), by striking ‘‘and’’ 
at the end; 
(B) by redesignating paragraph (11) as 
paragraph (12); and 
(C) by inserting after paragraph (10) the 
following: 
‘‘(11) provide for the payment of interest accru-
ing after the date of the filing of the petition on un-
secured claims that are nondischargeable under sec-
tion 1228(a), except that such interest may be paid 
only to the extent that the debtor has disposable in-
come available to pay such interest after making 
provision for full payment of all allowed claims; 
and’’; 
(5) in section 1225(a)—
(A) in paragraph (5), by striking ‘‘and’’ at 
the end; 
(B) in paragraph (6), by striking the pe-
riod at the end and inserting ‘‘; and’’; and 
(C) by adding at the end the following: 
‘‘(7) the debtor has paid all amounts that are 
required to be paid under a domestic support obliga-
tion and that first become payable after the date of 
the filing of the petition if the debtor is required by 
a judicial or administrative order, or by statute, to 
pay such domestic support obligation.’’; 
(6) in section 1228(a), in the matter preceding 
paragraph (1), by inserting ‘‘, and in the case of a 
debtor who is required by a judicial or administra-
tive order, or by statute, to pay a domestic support 
obligation, after such debtor certifies that all 
amounts payable under such order or such statute 
that are due on or before the date of the certifi-
cation (including amounts due before the petition 
was filed, but only to the extent provided for by the
plan) have been paid’’ after ‘‘completion by the debt-
or of all payments under the plan’’; 
(7) in section 1307(c)—
(A) in paragraph (9), by striking ‘‘or’’ at 
the end; 
(B) in paragraph (10), by striking the pe-
riod at the end and inserting ‘‘; or’’; and 
(C) by adding at the end the following: 
‘‘(11) failure of the debtor to pay any domestic 
support obligation that first becomes payable after 
the date of the filing of the petition.’’; 
(8) in section 1322(a)—
(A) in paragraph (2), by striking ‘‘and’’ at 
the end; 
(B) in paragraph (3), by striking the pe-
riod at the end and inserting ‘‘; and’’; and 
(C) by adding at the end the following: 
‘‘(4) notwithstanding any other provision of this 
section, a plan may provide for less than full pay-
ment of all amounts owed for a claim entitled to pri-
ority under section 507(a)(1)(B) only if the plan 
provides that all of the debtor’s projected disposable 
income for a 5-year period beginning on the date 
that the first payment is due under the plan will be 
applied to make payments under the plan.’’;
(9) in section 1322(b)—
(A) in paragraph (9), by striking ‘‘; and’’ 
and inserting a semicolon; 
(B) by redesignating paragraph (10) as 
paragraph (11); and 
(C) inserting after paragraph (9) the fol-
lowing: 
‘‘(10) provide for the payment of interest accru-
ing after the date of the filing of the petition on un-
secured claims that are nondischargeable under sec-
tion 1328(a), except that such interest may be paid 
only to the extent that the debtor has disposable in-
come available to pay such interest after making 
provision for full payment of all allowed claims; 
and’’; 
(10) in section 1325(a), as amended by section 
102, by inserting after paragraph (7) the following: 
‘‘(8) the debtor has paid all amounts that are 
required to be paid under a domestic support obliga-
tion and that first become payable after the date of 
the filing of the petition if the debtor is required by 
a judicial or administrative order, or by statute, to 
pay such domestic support obligation; and’’; 
(11) in section 1328(a), in the matter preceding 
paragraph (1), by inserting ‘‘, and in the case of a
debtor who is required by a judicial or administra-
tive order, or by statute, to pay a domestic support 
obligation, after such debtor certifies that all 
amounts payable under such order or such statute 
that are due on or before the date of the certifi-
cation (including amounts due before the petition 
was filed, but only to the extent provided for by the 
plan) have been paid’’ after ‘‘completion by the debt-
or of all payments under the plan’’. 
SEC. 214. EXCEPTIONS TO AUTOMATIC STAY IN DOMESTIC 
SUPPORT OBLIGATION PROCEEDINGS. 
Section 362(b) of title 11, United States Code, is 
amended by striking paragraph (2) and inserting the fol-
lowing: 
‘‘(2) under subsection (a)—
‘‘(A) of the commencement or continuation 
of a civil action or proceeding—
‘‘(i) for the establishment of paternity; 
‘‘(ii) for the establishment or modi-
fication of an order for domestic support 
obligations; 
‘‘(iii) concerning child custody or visi-
tation; 
‘‘(iv) for the dissolution of a marriage, 
except to the extent that such proceeding
seeks to determine the division of property 
that is property of the estate; or 
‘‘(v) regarding domestic violence; 
‘‘(B) of the collection of a domestic sup-
port obligation from property that is not prop-
erty of the estate; 
‘‘(C) with respect to the withholding of in-
come that is property of the estate or property 
of the debtor for payment of a domestic support 
obligation under a judicial or administrative 
order or a statute; 
‘‘(D) of the withholding, suspension, or re-
striction of a driver’s license, a professional or 
occupational license, or a recreational license, 
under State law, as specified in section 
466(a)(16) of the Social Security Act; 
‘‘(E) of the reporting of overdue support 
owed by a parent to any consumer reporting 
agency as specified in section 466(a)(7) of the 
Social Security Act; 
‘‘(F) of the interception of a tax refund, as 
specified in sections 464 and 466(a)(3) of the 
Social Security Act or under an analogous State 
law; or
‘‘(G) of the enforcement of a medical obli-
gation, as specified under title IV of the Social 
Security Act;’’. 
SEC. 215. NONDISCHARGEABILITY OF CERTAIN DEBTS FOR 
ALIMONY, MAINTENANCE, AND SUPPORT. 
Section 523 of title 11, United States Code, is 
amended—
(1) in subsection (a)—
(A) by striking paragraph (5) and insert-
ing the following: 
‘‘(5) for a domestic support obligation;’’; and 
(B) by striking paragraph (18); 
(2) in subsection (c), by striking ‘‘(6), or (15)’’ 
each place it appears and inserting ‘‘or (6)’’; and 
(3) in paragraph (15), as added by Public Law 
103–394 (108 Stat. 4133)—
(A) by inserting ‘‘to a spouse, former 
spouse, or child of the debtor and’’ before ‘‘not 
of the kind’’; 
(B) by inserting ‘‘or’’ after ‘‘court of 
record,’’; and 
(C) by striking ‘‘unless—’’ and all that fol-
lows through the end of the paragraph and in-
serting a semicolon.
SEC. 216. CONTINUED LIABILITY OF PROPERTY. 
Section 522 of title 11, United States Code, is 
amended—
(1) in subsection (c), by striking paragraph (1) 
and inserting the following: 
‘‘(1) a debt of a kind specified in paragraph (1) 
or (5) of section 523(a) (in which case, notwith-
standing any provision of applicable nonbankruptcy 
law to the contrary, such property shall be liable for 
a debt of a kind specified in section 523(a)(5));’’; 
(2) in subsection (f)(1)(A), by striking the dash 
and all that follows through the end of the subpara-
graph and inserting ‘‘of a kind that is specified in 
section 523(a)(5); or’’; and 
(3) in subsection (g)(2), by striking ‘‘subsection 
(f)(2)’’ and inserting ‘‘subsection (f)(1)(B)’’. 
SEC. 217. PROTECTION OF DOMESTIC SUPPORT CLAIMS 
AGAINST 
PREFERENTIAL 
TRANSFER 
MO-
TIONS. 
Section 547(c)(7) of title 11, United States Code, is 
amended to read as follows: 
‘‘(7) to the extent such transfer was a bona fide 
payment of a debt for a domestic support obliga-
tion;’’.
SEC. 218. DISPOSABLE INCOME DEFINED. 
Section 1225(b)(2)(A) of title 11, United States 
Code, is amended by inserting ‘‘or for a domestic support 
obligation that first becomes payable after the date of the 
filing of the petition’’ after ‘‘dependent of the debtor’’. 
SEC. 219. COLLECTION OF CHILD SUPPORT. 
(a) DUTIES OF TRUSTEE UNDER CHAPTER 7.—Sec-
tion 704 of title 11, United States Code, as amended by 
section 102, is amended—
(1) in subsection (a)—
(A) in paragraph (8), by striking ‘‘and’’ at 
the end; 
(B) in paragraph (9), by striking the pe-
riod and inserting a semicolon; and 
(C) by adding at the end the following: 
‘‘(10) if with respect to the debtor there is a 
claim for a domestic support obligation, provide the 
applicable notice specified in subsection (c); and’’; 
and 
(2) by adding at the end the following: 
‘‘(c)(1) In a case described in subsection (a)(10) to 
which subsection (a)(10) applies, the trustee shall—
‘‘(A)(i) provide written notice to the holder of 
the claim described in subsection (a)(10) of such 
claim and of the right of such holder to use the serv-
ices of the State child support enforcement agency
established under sections 464 and 466 of the Social 
Security Act for the State in which such holder re-
sides, for assistance in collecting child support dur-
ing and after the case under this title; 
‘‘(ii) include in the notice provided under clause 
(i) the address and telephone number of such State 
child support enforcement agency; and 
‘‘(iii) include in the notice provided under 
clause (i) an explanation of the rights of such holder 
to payment of such claim under this chapter; 
‘‘(B)(i) provide written notice to such State 
child support enforcement agency of such claim; and 
‘‘(ii) include in the notice provided under clause 
(i) the name, address, and telephone number of such 
holder; and 
‘‘(C) at such time as the debtor is granted a 
discharge under section 727, provide written notice 
to such holder and to such State child support en-
forcement agency of—
‘‘(i) the granting of the discharge; 
‘‘(ii) the last recent known address of the 
debtor; 
‘‘(iii) the last recent known name and ad-
dress of the debtor’s employer; and
‘‘(iv) the name of each creditor that holds 
a claim that—
‘‘(I) is not discharged under para-
graph (2), (4), or (14A) of section 523(a); 
or 
‘‘(II) was reaffirmed by the debtor 
under section 524(c). 
‘‘(2)(A) The holder of a claim described in subsection 
(a)(10) or the State child support enforcement agency of 
the State in which such holder resides may request from 
a creditor described in paragraph (1)(C)(iv) the last 
known address of the debtor. 
‘‘(B) Notwithstanding any other provision of law, a 
creditor that makes a disclosure of a last known address 
of a debtor in connection with a request made under sub-
paragraph (A) shall not be liable by reason of making such 
disclosure.’’. 
(b) DUTIES OF TRUSTEE UNDER CHAPTER 11.—
Section 1106 of title 11, United States Code, is amend-
ed—
(1) in subsection (a)—
(A) in paragraph (6), by striking ‘‘and’’ at 
the end; 
(B) in paragraph (7), by striking the pe-
riod and inserting ‘‘; and’’; and
(C) by adding at the end the following: 
‘‘(8) if with respect to the debtor there is a 
claim for a domestic support obligation, provide the 
applicable notice specified in subsection (c).’’; and 
(2) by adding at the end the following: 
‘‘(c)(1) In a case described in subsection (a)(8) to 
which subsection (a)(8) applies, the trustee shall—
‘‘(A)(i) provide written notice to the holder of 
the claim described in subsection (a)(8) of such 
claim and of the right of such holder to use the serv-
ices of the State child support enforcement agency 
established under sections 464 and 466 of the Social 
Security Act for the State in which such holder re-
sides, for assistance in collecting child support dur-
ing and after the case under this title; and 
‘‘(ii) include in the notice required by clause (i) 
the address and telephone number of such State 
child support enforcement agency; 
‘‘(B)(i) provide written notice to such State 
child support enforcement agency of such claim; and 
‘‘(ii) include in the notice required by clause (i) 
the name, address, and telephone number of such 
holder; and 
‘‘(C) at such time as the debtor is granted a 
discharge under section 1141, provide written notice
to such holder and to such State child support en-
forcement agency of—
‘‘(i) the granting of the discharge; 
‘‘(ii) the last recent known address of the 
debtor; 
‘‘(iii) the last recent known name and ad-
dress of the debtor’s employer; and 
‘‘(iv) the name of each creditor that holds 
a claim that—
‘‘(I) is not discharged under para-
graph (2), (4), or (14A) of section 523(a); 
or 
‘‘(II) was reaffirmed by the debtor 
under section 524(c). 
‘‘(2)(A) The holder of a claim described in subsection 
(a)(8) or the State child enforcement support agency of 
the State in which such holder resides may request from 
a creditor described in paragraph (1)(C)(iv) the last 
known address of the debtor. 
‘‘(B) Notwithstanding any other provision of law, a 
creditor that makes a disclosure of a last known address 
of a debtor in connection with a request made under sub-
paragraph (A) shall not be liable by reason of making such 
disclosure.’’.
(c) DUTIES OF TRUSTEE UNDER CHAPTER 12.—
Section 1202 of title 11, United States Code, is amend-
ed—
(1) in subsection (b)—
(A) in paragraph (4), by striking ‘‘and’’ at 
the end; 
(B) in paragraph (5), by striking the pe-
riod and inserting ‘‘; and’’; and 
(C) by adding at the end the following: 
‘‘(6) if with respect to the debtor there is a 
claim for a domestic support obligation, provide the 
applicable notice specified in subsection (c).’’; and 
(2) by adding at the end the following: 
‘‘(c)(1) In a case described in subsection (b)(6) to 
which subsection (b)(6) applies, the trustee shall—
‘‘(A)(i) provide written notice to the holder of 
the claim described in subsection (b)(6) of such 
claim and of the right of such holder to use the serv-
ices of the State child support enforcement agency 
established under sections 464 and 466 of the Social 
Security Act for the State in which such holder re-
sides, for assistance in collecting child support dur-
ing and after the case under this title; and
‘‘(ii) include in the notice provided under clause 
(i) the address and telephone number of such State 
child support enforcement agency; 
‘‘(B)(i) provide written notice to such State 
child support enforcement agency of such claim; and 
‘‘(ii) include in the notice provided under clause 
(i) the name, address, and telephone number of such 
holder; and 
‘‘(C) at such time as the debtor is granted a 
discharge under section 1228, provide written notice 
to such holder and to such State child support en-
forcement agency of—
‘‘(i) the granting of the discharge; 
‘‘(ii) the last recent known address of the 
debtor; 
‘‘(iii) the last recent known name and ad-
dress of the debtor’s employer; and 
‘‘(iv) the name of each creditor that holds 
a claim that—
‘‘(I) is not discharged under para-
graph (2), (4), or (14A) of section 523(a); 
or 
‘‘(II) was reaffirmed by the debtor 
under section 524(c).
‘‘(2)(A) The holder of a claim described in subsection 
(b)(6) or the State child support enforcement agency of 
the State in which such holder resides may request from 
a creditor described in paragraph (1)(C)(iv) the last 
known address of the debtor. 
‘‘(B) Notwithstanding any other provision of law, a 
creditor that makes a disclosure of a last known address 
of a debtor in connection with a request made under sub-
paragraph (A) shall not be liable by reason of making that 
disclosure.’’. 
(d) DUTIES OF TRUSTEE UNDER CHAPTER 13.—
Section 1302 of title 11, United States Code, is amend-
ed—
(1) in subsection (b)—
(A) in paragraph (4), by striking ‘‘and’’ at 
the end; 
(B) in paragraph (5), by striking the pe-
riod and inserting ‘‘; and’’; and 
(C) by adding at the end the following: 
‘‘(6) if with respect to the debtor there is a 
claim for a domestic support obligation, provide the 
applicable notice specified in subsection (d).’’; and 
(2) by adding at the end the following: 
‘‘(d)(1) In a case described in subsection (b)(6) to 
which subsection (b)(6) applies, the trustee shall—
‘‘(A)(i) provide written notice to the holder of 
the claim described in subsection (b)(6) of such 
claim and of the right of such holder to use the serv-
ices of the State child support enforcement agency 
established under sections 464 and 466 of the Social 
Security Act for the State in which such holder re-
sides, for assistance in collecting child support dur-
ing and after the case under this title; and 
‘‘(ii) include in the notice provided under clause 
(i) the address and telephone number of such State 
child support enforcement agency; 
‘‘(B)(i) provide written notice to such State 
child support enforcement agency of such claim; and 
‘‘(ii) include in the notice provided under clause 
(i) the name, address, and telephone number of such 
holder; and 
‘‘(C) at such time as the debtor is granted a 
discharge under section 1328, provide written notice 
to such holder and to such State child support en-
forcement agency of—
‘‘(i) the granting of the discharge; 
‘‘(ii) the last recent known address of the 
debtor; 
‘‘(iii) the last recent known name and ad-
dress of the debtor’s employer; and
‘‘(iv) the name of each creditor that holds 
a claim that—
‘‘(I) is not discharged under para-
graph (2) or (4) of section 523(a); or 
‘‘(II) was reaffirmed by the debtor 
under section 524(c). 
‘‘(2)(A) The holder of a claim described in subsection 
(b)(6) or the State child support enforcement agency of 
the State in which such holder resides may request from 
a creditor described in paragraph (1)(C)(iv) the last 
known address of the debtor. 
‘‘(B) Notwithstanding any other provision of law, a 
creditor that makes a disclosure of a last known address 
of a debtor in connection with a request made under sub-
paragraph (A) shall not be liable by reason of making that 
disclosure.’’. 
SEC. 
220. 
NONDISCHARGEABILITY 
OF 
CERTAIN 
EDU-
CATIONAL BENEFITS AND LOANS. 
Section 523(a) of title 11, United States Code, is 
amended by striking paragraph (8) and inserting the fol-
lowing: 
‘‘(8) unless excepting such debt from discharge 
under this paragraph would impose an undue hard-
ship on the debtor and the debtor’s dependents, 
for—
‘‘(A)(i) an educational benefit overpayment 
or loan made, insured, or guaranteed by a gov-
ernmental unit, or made under any program 
funded in whole or in part by a governmental 
unit or nonprofit institution; or 
‘‘(ii) an obligation to repay funds received 
as an educational benefit, scholarship, or sti-
pend; or 
‘‘(B) any other educational loan that is a 
qualified education loan, as defined in section 
221(d)(1) of the Internal Revenue Code of 
1986, incurred by a debtor who is an indi-
vidual;’’. 
Subtitle C—Other Consumer 
Protections 
SEC. 221. AMENDMENTS TO DISCOURAGE ABUSIVE BANK-
RUPTCY FILINGS. 
Section 110 of title 11, United States Code, is 
amended—
(1) in subsection (a)(1), by striking ‘‘or an em-
ployee of an attorney’’ and inserting ‘‘for the debtor 
or an employee of such attorney under the direct su-
pervision of such attorney’’; 
(2) in subsection (b)—
(A) in paragraph (1), by adding at the end 
the following: ‘‘If a bankruptcy petition pre-
parer is not an individual, then an officer, prin-
cipal, responsible person, or partner of the 
bankruptcy petition preparer shall be required 
to—
‘‘(A) sign the document for filing; and 
‘‘(B) print on the document the name and ad-
dress of that officer, principal, responsible person, or 
partner.’’; and 
(B) by striking paragraph (2) and insert-
ing the following: 
‘‘(2)(A) Before preparing any document for filing or 
accepting any fees from a debtor, the bankruptcy petition 
preparer shall provide to the debtor a written notice which 
shall be on an official form prescribed by the Judicial Con-
ference of the United States in accordance with rule 9009 
of the Federal Rules of Bankruptcy Procedure. 
‘‘(B) The notice under subparagraph (A)—
‘‘(i) shall inform the debtor in simple language 
that a bankruptcy petition preparer is not an attor-
ney and may not practice law or give legal advice; 
‘‘(ii) may contain a description of examples of 
legal advice that a bankruptcy petition preparer is 
not authorized to give, in addition to any advice that
the preparer may not give by reason of subsection 
(e)(2); and 
‘‘(iii) shall—
‘‘(I) be signed by the debtor and, under 
penalty of perjury, by the bankruptcy petition 
preparer; and 
‘‘(II) be filed with any document for fil-
ing.’’; 
(3) in subsection (c)—
(A) in paragraph (2)—
(i) by striking ‘‘(2) For purposes’’ and 
inserting ‘‘(2)(A) Subject to subparagraph 
(B), for purposes’’; and 
(ii) by adding at the end the fol-
lowing: 
‘‘(B) If a bankruptcy petition preparer is not an indi-
vidual, the identifying number of the bankruptcy petition 
preparer shall be the Social Security account number of 
the officer, principal, responsible person, or partner of the 
bankruptcy petition preparer.’’; and 
(B) by striking paragraph (3); 
(4) in subsection (d)—
(A) by striking ‘‘(d)(1)’’ and inserting 
‘‘(d)’’; and 
(B) by striking paragraph (2);
(5) in subsection (e)—
(A) by striking paragraph (2); and 
(B) by adding at the end the following: 
‘‘(2)(A) A bankruptcy petition preparer may not offer 
a potential bankruptcy debtor any legal advice, including 
any legal advice described in subparagraph (B). 
‘‘(B) The legal advice referred to in subparagraph 
(A) includes advising the debtor—
‘‘(i) whether—
‘‘(I) to file a petition under this title; or 
‘‘(II) commencing a case under chapter 7, 
11, 12, or 13 is appropriate; 
‘‘(ii) whether the debtor’s debts will be dis-
charged in a case under this title; 
‘‘(iii) whether the debtor will be able to retain 
the debtor’s home, car, or other property after com-
mencing a case under this title; 
‘‘(iv) concerning—
‘‘(I) the tax consequences of a case 
brought under this title; or 
‘‘(II) the dischargeability of tax claims; 
‘‘(v) whether the debtor may or should promise 
to repay debts to a creditor or enter into a reaffir-
mation agreement with a creditor to reaffirm a debt;
‘‘(vi) concerning how to characterize the nature 
of the debtor’s interests in property or the debtor’s 
debts; or 
‘‘(vii) concerning bankruptcy procedures and 
rights.’’; 
(6) in subsection (f)—
(A) by striking ‘‘(f)(1)’’ and inserting 
‘‘(f)’’; and 
(B) by striking paragraph (2); 
(7) in subsection (g)—
(A) by striking ‘‘(g)(1)’’ and inserting 
‘‘(g)’’; and 
(B) by striking paragraph (2); 
(8) in subsection (h)—
(A) 
by 
redesignating 
paragraphs 
(1) 
through (4) as paragraphs (2) through (5), re-
spectively; 
(B) by inserting before paragraph (2), as 
so redesignated, the following: 
‘‘(1) The Supreme Court may promulgate rules under 
section 2075 of title 28, or the Judicial Conference of the 
United States may prescribe guidelines, for setting a max-
imum allowable fee chargeable by a bankruptcy petition 
preparer. A bankruptcy petition preparer shall notify the 
debtor of any such maximum amount before preparing any
document for filing for a debtor or accepting any fee from 
the debtor.’’; 
(C) in paragraph (2), as so redesignated— 
(i) by striking ‘‘Within 10 days after 
the date of the filing of a petition, a bank-
ruptcy petition preparer shall file a’’ and 
inserting ‘‘A’’; 
(ii) by inserting ‘‘by the bankruptcy 
petition preparer shall be filed together 
with the petition,’’ after ‘‘perjury’’; and 
(iii) by adding at the end the fol-
lowing: ‘‘If rules or guidelines setting a 
maximum fee for services have been pro-
mulgated or prescribed under paragraph 
(1), the declaration under this paragraph 
shall include a certification that the bank-
ruptcy petition preparer complied with the 
notification requirement under paragraph 
(1).’’; 
(D) by striking paragraph (3), as so redes-
ignated, and inserting the following: 
‘‘(3)(A) The court shall disallow and order the imme-
diate turnover to the bankruptcy trustee any fee referred 
to in paragraph (2) found to be in excess of the value 
of any services—