,i  #aac? ,,congress  #b;d ,session  ,h4
 ,r4 #diag  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,june #ai1 #bjad ,ms4 
,%ea-,port] introduc$ ! foll[+ bill2 :i*
 0 ref]r$ to ! ,committee on ! ,judici>y
  ,a ,,bill  ,to am5d title #aa ( !     
,unit$ ,/ates ,code to provide          
bankruptcy protections = m$ically       
di/ress$ debtors1 & = o!r purposes4  #a4
 ,%ort title ,?is ,act may be cit$ z !  
,m$ical ,bankruptcy ,fairness ,act (    
#bjad4  #b4 ,def9itions  7a7 ,9 g5]al   
,section #aja ( title #aa1 ,unit$ ,/ates
 ,code1 is am5d$--  7#a7 by ins]t+ aft] 
p>agraph 7#ci;,a7 ! foll[+3  7#ci;,b7 ,!
 t]m m$ical debt means any debt incurr$ 
volunt>ily or involunt>ily--  7,a7 z a  
result ( ! diagnosis1 cure1 mitigation1 
or treatm5t ( injury1 de=mity1 or       
disease ( an individual2 or  7,b7 =     
s]vices p]=m$ by a m$ical pr(essional 9 
! prev5tion ( disease or illness ( an   
individual4  7#ci;,c7 ,! t]m m$ically   
di/ress$ debtor means--  7,a7 a debtor  
:o1 dur+ ! #c ye>s be=e ! date ( ! fil+ 

( ! petition--  7i7 incurr$ or paid     
aggregate m$ical debts = ! debtor1 a    
dep5d5t ( ! debtor1 or a nondep5d5t     
p>5t1 gr&p>5t1 sibl+1 *ild1 gr&*ild1 or 
sp\se ( ! debtor t 7 n paid by any      
?ird-p>ty payor & 7 great] ?an ! less]  
(--  7,i7 #aj p]c5t ( ! debtor's adju/$ 
gross income 7z su* t]m is def9$ 9      
section #fb ( ! ,int]nal ,rev5ue ,code (
 #aihf72 or  7,,ii7 #aj1jjj2  7ii7 did n
 receive dome/ic support obligations1 or
 _h a sp\se or dep5d5t :o did n receive 
dome/ic support obligations1 ( at lea/  
#aj1jjj due to a m$ical issue ( ! p]son 
obligat$ to pay t w\ld cause ! obligor  
to meet ! requirem5ts "u clause 7i7 or  
7iii71 if ! obligor 0 a debtor 9 a case 
"u ?is title2 or  7iii7 exp]i5c$ a *ange
 9 employm5t /atus t result$ 9 a        
r$uction 9 wages1 sal>ies1 commissions1 
or "w h\rs or result$ 9 unemploym5t due 
to--  7,i7 an injury1 de=mity1 or       
disease ( ! debtor2 or  7,,ii7 c>e = an 
injur$1 de=m$1 or ill dep5d5t or        
nondep5d5t p>5t1 gr&p>5t1 sibl+1 *ild1  

gr&*ild1 or sp\se ( ! debtor2 or  7,b7 a
 debtor :o is ! sp\se ( a debtor        
describ$ 9 subp>agraph 7,a74  4  7b7    
,con=m+ am5dm5ts ,section #ajd ( title  
#aa1 ,unit$ ,/ates ,code1 is am5d$--    
7#a7 9 subsection 7a71 by ins]t+        
#aja7ci;,c77,a71 aft] #aja7ai77;,a712 & 
7#b7 9 subsection 7b71 by ins]t+        
#aja7ci;,c77,a71 aft] #aja7ai77;,a714   
#c4 ,exemptions  7a7 ,exempt prop]ty    
,section #ebb ( title #aa1 ,unit$ ,/ates
 ,code1 is am5d$ by add+ at ! end !     
foll[+3  7r7  7#a7 ,if a m$ically       
di/ress$ debtor exempts prop]ty li/$ 9  
subsection 7b77#b71 ! debtor may1 9 lieu
 ( ! exemption provid$ "u subsection    
7d77#a71 elect to exempt ! debtor's     
aggregate int]e/1 n to exce$ #bej1jjj 9 
value1 9 prop]ty describ$ 9 p>agraph    
7#c7 ( ?is subsection4  7#b7 ,if a      
m$ically di/ress$ debtor exempts prop]ty
 li/$ 9 subsection 7b77#c7 & ! exemption
 provid$ "u applicable law specifically 
= ! k9d ( prop]ty describ$ 9 p>agraph   
7#c7 is = less ?an #bej1jjj 9 value1 !  

debtor may elect to exempt ! debtor's   
aggregate int]e/1 n to exce$ #bej1jjj 9 
value1 9 any su* prop]ty4  7#c7 ,!      
prop]ty describ$ 9 ?is p>agraph is--    
7,a7 real prop]ty or p]sonal prop]ty t !
 debtor or a dep5d5t ( ! debtor uses z a
 resid5ce2  7,b7 a coop]ative t owns    
prop]ty t ! debtor or a dep5d5t ( !     
debtor uses z a resid5ce2 or  7,c7 a    
burial plot = ! debtor or a dep5d5t ( ! 
debtor4  4  7b7 ,con=m+ am5dm5ts        
,section #ajd ( title #aa1 ,unit$ ,/ates
 ,code1 is am5d$--  7#a7 9 subsection   
7a71 by ins]t+ #ebb7r71 aft] #ebb7q712 &
  7#b7 9 subsection 7b71 by ins]t+      
#ebb7r71 aft] #ebb7q714  #d4 ,waiv] (   
adm9i/rative requirem5ts  7a7 ,case "u  
*apt] #g ,section #gjg7;b7 ( title #aa1 
,unit$ ,/ates ,code1 is am5d$ by add+ at
 ! end ! foll[+3  7#h7 ,p>agraph 7#b7   
does n apply 9 any case 9 :i* ! debtor  
is a m$ically di/ress$ debtor4  4  7b7  
,case "u *apt] #ac ,section             
#acbe7;b77#a7 ( title #aa1 ,unit$ ,/ates
 ,code1 is am5d$--  7#a7 9 subp>agraph  

7,a71 by /rik+ or at ! end2  7#b7 9     
subp>agraph 7,b71 by /rik+ ! p]iod at ! 
end & ins]t+ 2 or2 &  7#c7 by add+ at ! 
end ! foll[+3  7,c7 ! debtor is a       
m$ically di/ress$ debtor4  4  #e4 ,cr$it
 c\nsel+ ,section #aji7;h77#d7 ( title  
#aa1 ,unit$ ,/ates ,code1 is am5d$ by   
ins]t+ a m$ically di/ress$ debtor or    
aft] apply ) respect to4  #f4 ,/ud5t    
loan undue h>d%ip ,section #ebc7;a77#h7 
( title #aa1 ,unit$ ,/ates ,code1 is    
am5d$ by ins]t+ ! debtor is a m$ically  
di/ress$ debtor or be=e except+4  #g4   
,atte/ation by debtor ,section #eba (   
title #aa1 ,unit$ ,/ates ,code1 is am5d$
 by add+ at ! end ! foll[+3  7k7 ,if !  
debtor seeks relief z a m$ically        
di/ress$ debtor1 ! debtor %all file a   
/atem5t ( m$ical exp5ses relevant to !  
det]m9ation ( :e!r ! debtor is a        
m$ically di/ress$ debtor1 :i* /atem5t   
%all decl>e "u p5alty ( p]jury t su*    
m$ical exp5ses 7 n incurr$ = ! purpose (
 br++ ! debtor )9 ! mean+ ( ! t]m       
m$ically di/ress$ debtor4  4  #h4       

,effective date2 application ( am5dm5ts 
7a7 ,effective date ,except z provid$ 9 
subsection 7b71 ?is ,act & ! am5dm5ts   
made by ?is ,act %all take effect on !  
date ( enactm5t ( ?is ,act4  7b7        
,application ( am5dm5ts ,! am5dm5ts made
 by ?is ,act %all apply only ) respect  
to cases comm5c$ "u title #aa1 ,unit$   
,/ates ,code1 on or aft] ! date (       
enactm5t ( ?is ,act4