mr. speaker , almost half of the bankruptcies in the united states are connected to an illness in the family , whether people had health insurance or not . 
middle-class americans , who had the misfortune of either experiencing a medical emergency themselves or watching a family member suffer , were then forced to face the daunting task of pulling themselves out of debt . 
bankruptcy law has allowed them to start over . 
it has given hope . 
now this new law will put people on their own . 
illness or emergency creates medical bills . 
we are telling the people that they themselves are to blame . 
at the same time , we are removing protections that would stay an eviction , that would keep a roof over the head of a working family . 
we allow the credit industry to trick consumers into using subprime cards , with exorbitant interest rate hikes and fees . 
then we hand those same consumers over 