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 