{"@context":"http://iiif.io/api/presentation/3/context.json","id":"https://houstonlibrary.aviaryplatform.com/iiif/w66930qm11/manifest","type":"Manifest","label":{"en":["Moller, Arthur"]},"logo":"https://d9jk7wjtjpu5g.cloudfront.net/organizations/logo_images/000/000/252/original/HPL_ArchiveBannerCDM2.jpg?1738348845","metadata":[{"label":{"en":["Publisher"]},"value":{"en":["Houston Public Library Special Collections"]}},{"label":{"en":["Rights Statement"]},"value":{"en":["\u003cp\u003e\u003ca href=\"https://rightsstatements.org/page/CNE/1.0/?language=en\"\u003eCopyright Not Evaluated \u003c/a\u003e\u003c/p\u003e\n\u003cp\u003ePlease contact the Houston History Research Center, Houston, Texas. To request item: https://digital.houstonlibrary.org/reproductions-and-copyright\u003c/p\u003e"]}},{"label":{"en":["Agent"]},"value":{"en":["Courtwright, David (interviewer)","Moller, Arthur (Interviewee)"]}},{"label":{"en":["Date"]},"value":{"en":["June 13, 1975 (created)"]}},{"label":{"en":["Language"]},"value":{"en":["English (primary)"]}},{"label":{"en":["Description"]},"value":{"en":["\u003cp\u003eJudge Arthur L. Moller became a bankruptcy court judge in 1962 after being the Chief of the Civil Section of the United States Attorney's Office. Moller talks about the types of bankruptcy cases he sees in Houston, as well as the large amount of backlog the court currently has and possible reasons why it exists. He lists several bankruptcy laws currently on the books and possible legislation that may change them, including one that he had a hand in creating, the Bankruptcy Judges Bill.\u003c/p\u003e"]}},{"label":{"en":["Format"]},"value":{"en":["Videocassette tape, sound"]}},{"label":{"en":["Subject"]},"value":{"en":["Houston (Tex.) (geographic)","Oral histories","United States Attorney's Office","Bankruptcy","Judges","Law;"]}},{"label":{"en":["Type"]},"value":{"en":["Sound"]}},{"label":{"en":["Custom Identifier"]},"value":{"en":["OH0126"]}},{"label":{"en":["Note"]},"value":{"en":["Original"]}},{"label":{"en":["Funding Note"]},"value":{"en":["This project was made possible in part by the Institute of Museum and Library Services [ARPML-250908-OMLS-22]."]}}],"summary":{"en":["\u003cp\u003eJudge Arthur L. Moller became a bankruptcy court judge in 1962 after being the Chief of the Civil Section of the United States Attorney's Office. Moller talks about the types of bankruptcy cases he sees in Houston, as well as the large amount of backlog the court currently has and possible reasons why it exists. He lists several bankruptcy laws currently on the books and possible legislation that may change them, including one that he had a hand in creating, the Bankruptcy Judges Bill.\u003c/p\u003e"]},"requiredStatement":{"label":{"en":["Attribution"]},"value":{"en":["\u003cp\u003e\u003ca href=\"https://rightsstatements.org/page/CNE/1.0/?language=en\"\u003eCopyright Not Evaluated \u003c/a\u003e\u003c/p\u003e\n\u003cp\u003ePlease contact the Houston History Research Center, Houston, Texas. To request item: https://digital.houstonlibrary.org/reproductions-and-copyright\u003c/p\u003e"]}},"provider":[{"id":"https://houstonlibrary.aviaryplatform.com/aboutus","type":"Agent","label":{"en":["Houston Public Library"]},"homepage":[{"id":"https://houstonlibrary.aviaryplatform.com/","type":"Text","label":{"en":["Houston Public Library"]},"format":"text/html"}],"logo":[{"id":"https://d9jk7wjtjpu5g.cloudfront.net/organizations/logo_images/000/000/252/original/HPL_ArchiveBannerCDM2.jpg?1738348845","type":"Image"}]}],"thumbnail":[{"id":"https://d9jk7wjtjpu5g.cloudfront.net/collection_resource_files/thumbnails/000/215/506/small/open-uri20231108-480-b3j3yn_1699466826.jpg?1699448831","type":"Image","format":"image/jpeg"}],"items":[{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506","type":"Canvas","label":{"en":["Media File 1 of 1 - open-uri20231108-480-b3j3yn.mp4"]},"duration":2464.128,"width":640,"height":360,"thumbnail":[{"id":"https://d9jk7wjtjpu5g.cloudfront.net/collection_resource_files/thumbnails/000/215/506/small/open-uri20231108-480-b3j3yn_1699466826.jpg?1699448831","type":"Image","format":"image/jpeg"}],"items":[{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/content/1","type":"AnnotationPage","items":[{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/content/1/annotation/1","type":"Annotation","motivation":"painting","body":{"id":"https://aviary-p-houstonlibrary.s3.wasabisys.com/collection_resource_files/resource_files/000/215/506/original/open-uri20231108-480-b3j3yn.mp4?1699448809","type":"Video","format":"video/mp4","duration":2464.128,"width":640,"height":360},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506","metadata":[]}]}],"annotations":[{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724","type":"AnnotationPage","label":{"en":["OH0126ArthurMoller [Transcript]"]},"items":[{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/1","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Testing 1, 2, 3.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=16.91,20.09"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/2","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"June 13th, 1975.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=20.09,21.83"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/3","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Interview with Judge Arthur L.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=22.35,24.35"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/4","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Muller.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=24.43,24.67"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/5","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"David Courtright is the interviewer.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=25.99,27.97"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/6","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Judge Muller, I thought we'd begin by discussing how you came to","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=30.85,34.89"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/7","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"be a judge in bankruptcy court.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=34.89,36.49"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/8","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Well, I had been in the chief of the civil section of","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=37.01,40.19"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/9","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"the United States Attorney's Office for a few years, and the judges","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=40.19,44.29"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/10","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"apparently had gained some confidence in me, and when there was a","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=44.29,53.17"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/11","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"vacancy here, well, they asked me if I would take it on,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=53.17,55.75"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/12","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"and I agreed to, and so I was appointed on June the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=56.25,59.35"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/13","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"15th, 1962.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=59.35,60.89"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/14","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"What was your background before that?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=64.11,66.77"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/15","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Principally in the civil area of the law, and that I think","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=67.21,73.67"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/16","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"is the background that, the only background that someone needs to get","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=73.67,77.25"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/17","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"into the bankruptcy work.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=77.25,78.57"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/18","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Is bankruptcy law highly specialized?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=81.03,84.27"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/19","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I have found out that that is correct, yes.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=85.19,87.69"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/20","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It's, there are an awful lot of people who seem not to","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=88.59,92.67"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/21","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"have taken the time to learn very much about it, and that's","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=92.67,95.47"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/22","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"one of our primary troubles when it comes to the clogged docket","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=95.47,99.93"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/23","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"that we presently have in the bankruptcy cases.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=99.93,102.47"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/24","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"How serious is the backlog?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=103.33,104.59"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/25","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"We're running about, let's see, we have about 1900 cases presently pending","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=105.97,115.67"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/26","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"on the docket, and that is the highest that we've ever had","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=115.67,121.05"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/27","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"as far as the backlog is concerned.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=121.05,124.23"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/28","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Is this due to the recent recession?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=124.47,126.57"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/29","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Yes, in part.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=127.13,128.31"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/30","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"In part, and also it's due to the fact that our cases","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=128.31,132.59"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/31","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"here are primarily in the business area.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=132.59,135.59"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/32","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"We have only a limited number of the consumer type cases.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=135.75,139.43"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/33","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Is that...","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=140.43,141.09"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/34","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The business cases are the ones where you have all sorts of","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=141.09,144.91"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/35","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"litigation within the framework of a single case.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=144.91,148.25"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/36","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Is that by design or by accident?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=149.47,151.65"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/37","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Is there a jurisdictional fiat that says your court will deal only","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=152.37,157.29"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/38","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"with business cases?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=157.29,158.39"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/39","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"No, no, it's just the, I really think that the primary, the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=158.39,163.25"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/40","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"primary reason for the shortage, shortage as compared to national statistics of","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=163.25,169.21"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/41","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"the consumer cases is that Texas has never permitted garnishment of current","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=169.21,175.03"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/42","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"wages, and that seems to be one of the biggest incentives going","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=175.03,179.51"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/43","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"for the consumers to file in the bankruptcy court.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=179.51,182.67"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/44","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Or in the jurisdictions, and I have to use as an example,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=183.79,188.69"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/45","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"say, northern Alabama, which is the highly industrialized area of Birmingham.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=188.89,194.39"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/46","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Alabama has always permitted a garnishment of a total wage, and of","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=195.57,202.91"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/47","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"course there has been a federal law that places a restriction on","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=202.91,206.85"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/48","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"the total amount that can be garnished out of a current paycheck,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=206.85,211.87"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/49","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"reducing it down to about, I mean, leaving the debtor approximately 25","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=212.63,219.15"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/50","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"% of his paycheck, but even that hasn't cured the problem as","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=219.15,223.97"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/51","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"far as these states that do permit the garnishment.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=223.97,227.21"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/52","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"So that northern Alabama consistently runs about 6,500 cases a","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=227.99,237.91"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/53","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"year that are strictly consumer cases.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=237.91,240.11"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/54","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Then what is it in Texas that drives a consumer to file","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=241.31,244.95"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/55","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"for bankruptcy?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=244.95,245.61"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/56","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"An excess of borrowings that are secured by, say, personal property, usually","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=246.61,255.45"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/57","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"household goods.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=255.45,256.81"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/58","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Under our state law, those items are exempt, but there is no,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=257.37,260.43"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/59","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"there's no inhibition against the man's waiving the exemption and giving a","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=260.43,266.55"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/60","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"loan company a security interest or a lien on that property, which","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=266.55,272.79"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/61","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"is a tremendous spur or club, you might say, for the lender.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=272.79,279.49"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/62","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Do many people seek to escape the harassment of creditors?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=282.73,286.31"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/63","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Yes, when they come to court.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=287.01,288.27"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/64","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"That's their primary reason for it, because the, you know, with the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=288.47,292.65"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/65","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"type of exemptions that we do have, the best collection tactic left","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=292.65,300.61"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/66","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"to the creditor is harassment.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=300.61,303.55"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/67","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"There are things like telephone calls in the middle of the night,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=304.91,308.57"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/68","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"telephone calls at the office, things of that sort, and it has","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=308.79,316.23"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/69","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"a way of compelling them to go somewhere for relief.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=316.23,320.83"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/70","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Are these tactics legal?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=321.91,323.01"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/71","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"There are restrictions on collection tactics under the state law, but I","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=324.97,330.07"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/72","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"don't know what they are.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=330.07,331.05"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/73","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"They're not, I mean, state law has been in that kind of","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=332.01,336.75"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/74","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"an area.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=336.75,337.13"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/75","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It's something that I haven't had occasion to deal with for a","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=337.31,341.27"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/76","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"long time, so I don't know what the details are.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=341.27,344.55"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/77","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Let's look at the other side of the issue now.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=345.67,347.87"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/78","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Have you seen any cases where the so-called honest debtor isn't","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=347.97,351.35"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/79","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"so honest?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=351.35,351.97"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/80","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Sure, you have a number of cases like that.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=353.27,355.23"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/81","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I say a number.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=355.67,356.61"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/82","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I've been here, what, two days short of 15 years, I mean","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=357.37,361.77"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/83","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"13 years, and I think I have had possibly half a dozen","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=361.77,369.29"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/84","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"where, because of lack of morals, either commercial morality or other","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=369.29,378.45"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/85","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"morality, that the debtors have lost their discharge.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=378.45,382.97"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/86","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The discharge is the release from the indebtedness that is the primary","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=383.63,388.03"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/87","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"reason for coming here, but if that discharge goes to the honest","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=388.03,393.01"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/88","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"debtor, that's the way that the act is structured, and there are","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=393.01,397.31"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/89","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"some inhibitions written into Section 14C that the violation of any of","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=397.31,402.79"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/90","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"those will result in his losing his discharge.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=402.79,405.19"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/91","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"About what percentage of cases involving consumers result in a revocation of","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=406.37,410.83"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/92","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"the discharge?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=410.83,411.35"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/93","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Oh, if you limit it to the consumer area, well, there are","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=412.57,415.27"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/94","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"virtually none.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=415.27,416.37"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/95","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I can, just off the top of my head, think of only","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=416.47,419.59"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/96","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"one in all these years where a consumer lost his discharge.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=419.59,426.63"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/97","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"So these are mostly in the business realm?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=427.29,429.43"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/98","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"They're designed to operate in the business area rather than in the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=429.99,434.45"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/99","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"consumer area.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=434.45,435.49"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/100","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"In the consumer area, you may, you, there are grounds on which","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=436.03,439.63"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/101","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"a particular debt can be determined non-dischargeable, but that's quite","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=439.63,445.41"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/102","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"different from a loss of the, of his discharge completely.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=445.41,448.85"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/103","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"A complete denial of a discharge means that the man is released","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=449.93,455.25"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/104","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"from none of his debts.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=455.25,456.53"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/105","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"All of the ones that he owed at the time he filed","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=457.31,459.91"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/106","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"remain his obligation and it's a life sentence.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=459.91,464.25"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/107","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"There's, the only way to get out of them is to pay","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=464.49,467.15"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/108","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"him.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=467.15,467.31"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/109","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"If a discharge is revoked, does this result in an outright liquidation","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=467.91,471.93"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/110","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"of his estate?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=471.93,472.61"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/111","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The exemptions that are permitted to a bankrupt are those of the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=473.73,478.93"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/112","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"state law.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=478.93,479.65"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/113","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"That's by virtue of Section 6 of the Bankruptcy Act, so that","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=480.01,484.45"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/114","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"whether he does or does not get his discharge, he still retains","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=484.45,488.71"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/115","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"his exemption.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=488.71,490.01"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/116","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Is there much conflict between federal and state law in this area?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=490.81,494.49"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/117","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"There can't be because the, the, what the constitutional provision that has","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=494.75,501.59"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/118","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"been in the Constitution since 1789, that was the rewriting of the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=501.59,507.71"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/119","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"kind of the United States Constitution and in the area of bankruptcy,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=507.71,514.809"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/120","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"the federal government is supreme, so that there can't be a conflict.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=515.07,521.47"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/121","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"There are certain areas like these exemptions that I referred to where","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=521.75,525.73"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/122","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"you do have the, the state law applying, but that's because the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=525.73,530.29"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/123","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Bankruptcy Act provides that they shall apply.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=530.29,533.23"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/124","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Have you observed any well-defined cycles of business bankruptcies before your","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=536.17,541.87"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/125","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"court?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=541.87,542.17"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/126","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I think so, and the present, the present one is a, it's","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=545.0,550.1"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/127","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"a good example of that.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=550.1,551.26"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/128","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"We're presently, I think, in a real crisis as far as building","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=551.56,556.62"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/129","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"and land ventures are concerned.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=556.62,559.04"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/130","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I don't care whether it's home building or apartment building.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=560.06,562.8"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/131","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"This is the worst one we've ever had in that respect, but","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=563.46,567.82"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/132","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"looking back, I suppose in 1960, late 1962 and early 63, we","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=567.82,576.64"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/133","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"had a bit of a crisis in the multifamily unit apartment buildings.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=576.64,583.68"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/134","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"There were a dozen or more that were filed during that period.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=584.98,589.2"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/135","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"There was a, there was a definite overbuilding for the then demand.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=589.46,593.82"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/136","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"That subsided later and then we had a recurrence of that in","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=594.9,598.64"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/137","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"about 1968 where we had again an overbuilding and it just took","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=598.64,603.92"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/138","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"a long time to catch up.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=603.92,606.06"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/139","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Well, the present one we're in started fairly early in 74 and","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=607.3,612.82"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/140","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"we haven't peaked out yet.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=612.82,614.3"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/141","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"They're still coming in.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=614.84,615.94"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/142","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"There's a very lively clip.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=616.0,617.28"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/143","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"What other types of business are especially prone to failure?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=618.2,621.68"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/144","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Well, when you have a major, a major business like building, there","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=622.2,628.94"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/145","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"are all sorts of allied industries that go with it.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=628.94,632.12"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/146","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Your air conditioning and heating contractors, your plumbing contractors and so","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=632.26,637.0"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/147","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"forth.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=637.0,637.38"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/148","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"So the thing mushrooms because of that.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=638.18,642.2"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/149","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"So you observe every day what an economist would call a linkage.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=642.36,645.88"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/150","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Right.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=646.24,646.34"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/151","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It's very pronounced in these, in these situations.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=646.76,649.52"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/152","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"If the grocery store on the corner goes under, it doesn't affect","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=649.96,654.34"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/153","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"any great number of people very much.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=654.34,657.52"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/154","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Is it possible to separate out the effects of inflation and those","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=658.78,663.96"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/155","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"of recession?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=663.96,664.56"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/156","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"How does inflation affect bankruptcy?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=664.76,667.44"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/157","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Primarily, I would say in, in the fact that, that the earnings,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=671.52,678.44"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/158","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"the take-home pay of the individuals will not keep pace with","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=679.76,685.36"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/159","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"the inflation so that the, his gross purchasing power goes down considerably.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=685.36,690.24"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/160","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"In the business area, it's a case of the, the additional cost","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=691.0,696.22"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/161","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"of labor.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=696.22,697.2"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/162","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"All of his, all of his employees have to get, get increases","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=698.2,703.18"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/163","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"or they go somewhere else and the, the profit margin in his","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=703.18,707.9"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/164","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"product doesn't keep pace with it.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=707.9,710.26"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/165","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"So then you, then you do have these dropouts from that guy.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=711.28,714.2"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/166","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Do businessmen allude to these factors in their briefs or their presentations?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=714.84,719.74"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/167","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It's rather implicitly under, I mean it's rather well understood.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=721.34,725.32"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/168","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It just goes along with it so there hasn't been a great","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=725.72,729.02"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/169","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"deal of discussion of it.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=729.02,730.28"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/170","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"What are some of the more notable cases that have appeared before","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=731.06,734.46"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/171","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"your court?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=734.46,735.0"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/172","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"That's a good one.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=739.87,740.71"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/173","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I suppose one of the major cases was the McCullough Tool Company,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=742.95,747.03"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/174","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"which we had in 1968, which affected not only the oil well","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=747.19,755.55"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/175","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"servicing business which they were in, but also, and this really is","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=755.55,759.97"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/176","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"what got them into trouble, they had entered into a land venture","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=759.97,763.29"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/177","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"by purchasing a large and expensive amount of downtown property.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=763.29,770.53"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/178","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Incidentally, the Hyatt Regency is on that, has been built on part","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=771.69,777.25"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/179","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"of that property and the Allen Center building, the multi-story office","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=777.25,783.23"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/180","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"building over there, that, those were the, are on the north and","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=783.23,789.01"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/181","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"easterly perimeters of the 23-acre tract that got them into the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=789.01,794.25"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/182","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"trouble.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=794.25,794.51"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/183","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"There's a difficult case.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=795.45,796.99"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/184","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"We have two file cabinets of five, five drawers each that are","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=797.65,802.81"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/185","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"full of pleadings that were filed in the case.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=802.81,807.21"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/186","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"There were a sizable number of creditors?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=807.63,809.57"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/187","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Yes, about between 3,500 and 4,000.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=811.05,815.09"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/188","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Oh my gosh.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=817.29,818.29"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/189","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Texas, of course, is known for wildcat oil wells.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=819.55,823.13"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/190","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Have you seen any of those kinds of cases in your court?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=823.21,826.43"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/191","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Yes, we've had, we've had them both as straight bankruptcies and in,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=826.67,830.13"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/192","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"and under the rehabilitation chapters.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=830.33,833.05"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/193","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Does that, does that rehabilitation chapter need an explanation for you?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=834.01,839.01"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/194","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Well, you might go ahead and put it on tape.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=839.81,841.85"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/195","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"We have, we have three primary chapters in the Bankruptcy Act, 10,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=841.93,849.93"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/196","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"11, and 12, that are designed to, with the court's help, to","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=849.99,856.71"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/197","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"enable a debtor to, let's say, correct the, the practices and mistakes","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=856.71,864.12"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/198","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"that were made that brought the company into, into financial troubles, get","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=864.12,869.32"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/199","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"them back on a good, even operating keel, and then turn them","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=869.32,874.0"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/200","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"loose again.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=874.0,874.64"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/201","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Those are the, those are the ones that are a lot more","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=875.4,878.76"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/202","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"work for the court, but the end result is certainly a lot","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=878.76,881.68"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/203","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"more appealing than a liquidation, which is kind of like the liquidation","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=881.68,887.74"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/204","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"cases after a while, gets you to feeling like a mortician.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=887.74,891.28"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/205","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"That, that reminds me, of course, at one time all bankrupts were","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=893.6,896.82"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/206","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"considered to be criminals, and one of the purposes of the 1938","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=896.82,901.1"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/207","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Act was to alleviate that situation, but surely there's still a subtle","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=901.1,906.06"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/208","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"stigma to someone who's declared bankrupt.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=906.06,908.84"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/209","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"You're probably right, although I think it's more local than, than general.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=909.26,915.2"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/210","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"In California I get the feeling every once in a while that","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=915.76,918.8"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/211","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"bankruptcy is sort of a status symbol.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=918.8,923.0"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/212","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Everybody, everybody seems to, seems to have gone through it sometime or","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=924.1,932.06"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/213","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"another, the actors that you read about and other prominent figures.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=932.06,937.82"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/214","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I wouldn't have thought that it was a chic thing to do.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=939.46,942.1"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/215","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Well, it depends on your point of view.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=942.56,945.46"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/216","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Well, in Houston, what is the psychological impact of the bankruptcy","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=946.14,951.18"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/217","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"proceedings on a businessman, say one who's failed for the first time?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=951.18,955.5"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/218","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I'm the wrong one to ask that, because I'm not a clinical","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=958.11,960.77"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/219","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"psychologist, and I, but I do think that, I don't think I've","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=960.77,967.29"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/220","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"ever seen anyone who undertook to file without a lot of agonizing","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=967.29,972.93"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/221","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"self-appraisal before he filed.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=972.93,975.49"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/222","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It's a, it's a, it's a last desperate effort really.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=976.45,981.75"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/223","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The, there's, you have to face the fact that, that I can","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=982.73,991.03"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/224","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"see nothing humane about a man's, say, being in serious financial trouble,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=991.03,999.17"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/225","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"and because of some hang-up, failing to file bankruptcy, because it","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=999.87,1008.67"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/226","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"deprives him and his family of any, any chance of a rehabilitation,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1008.67,1013.81"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/227","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"which really is the primary purpose in a bankruptcy proceeding.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1014.33,1018.05"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/228","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Free him from his debts that were made, undertaken through an error","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1019.67,1024.69"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/229","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"of judgment or something of that sort, and letting, let him go","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1024.69,1028.67"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/230","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"ahead and reestablish himself.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1028.67,1030.27"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/231","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"In that regard, let me make this comment.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1031.17,1033.71"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/232","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"There is, there is, there is no moral obligation on a man,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1033.869,1039.71"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/233","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"once he gets the discharge in bankruptcy, to repay his old debts,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1039.91,1044.23"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/234","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"but if he is strongly driven to do so, if he has","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1044.77,1049.11"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/235","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"a real feeling about it, he, he can legally do it, and","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1049.11,1055.11"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/236","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"there have, there have been, I can think of one, one man","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1055.11,1059.63"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/237","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"here in, in Houston who, during the Depression, he was a rather","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1059.63,1064.33"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/238","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"sizable merchant, and during the Depression, he did go through bankruptcy, and","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1064.33,1070.09"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/239","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"after the Depression was over, and he got back on a good","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1070.09,1073.41"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/240","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"operating level, he did search out all of his old creditors and","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1073.41,1079.71"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/241","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"pay them off.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1079.71,1080.53"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/242","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"There was only, there were several that he had trouble finding, because","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1081.73,1085.55"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/243","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"they were, were people from other areas, suppliers to his business, and","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1085.55,1091.59"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/244","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"he advertised in the Wall Street Journal and anywhere else he could","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1091.59,1095.55"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/245","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"think about that he might reach them, and he finally found all","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1095.55,1098.71"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/246","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"of them except one, and paid them off, and that man can","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1098.71,1102.31"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/247","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"write his own ticket with any supplier who furnishes wires to a","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1102.31,1110.6"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/248","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"soft bits merchant.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1110.6,1111.9"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/249","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Are there any federal agencies that counsel people concerning bankruptcy?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1113.02,1117.7"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/250","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The Small Business Administration?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1119.2,1120.86"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/251","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The Small Business Administration does have their retired, retired executives","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1120.9,1125.16"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/252","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"core.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1125.16,1125.64"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/253","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"They have an acronym for it, but I forget offhand what it","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1127.2,1132.26"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/254","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"is.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1132.26,1132.48"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/255","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It's really crazy, I've heard it too.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1132.54,1134.14"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/256","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Yeah.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1134.26,1134.4"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/257","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Anywho, those people are, in that core, are people who had been","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1135.38,1142.22"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/258","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"very successful executives in business, and they are available for, for","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1142.22,1148.2"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/259","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"consultation with any of your, your business people who feel that they","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1148.2,1154.38"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/260","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"need it, your smaller business people.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1154.38,1156.14"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/261","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I don't think that, that full advantage is being taken of their","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1157.04,1160.76"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/262","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"availability.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1160.76,1161.38"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/263","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"But this is a fairly recent thing.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1164.78,1166.58"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/264","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It's been going on for at least ten years.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1167.1,1169.7"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/265","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Oh really?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1169.76,1170.14"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/266","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"See, it comes as a surprise to just about everybody who hears","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1171.04,1175.32"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/267","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"about it.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1175.32,1175.84"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/268","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"All right, I guess now I'd like to talk a little bit","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1178.59,1180.71"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/269","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"about the proceedings in the court, and I've always been a mystified","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1180.71,1185.01"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/270","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"by the difference between a judge and a referee.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1185.01,1187.19"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/271","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"How is it their duties overlap?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1188.17,1189.97"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/272","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Let me, let me give you a little history.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1191.75,1194.71"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/273","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"In the beginning, and of course we are still operating under, you","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1195.35,1199.25"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/274","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"referred to 1938, actually 1938, the so called Chandler Act, was a","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1199.25,1205.75"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/275","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"substantial rewriting or patching up of the Act of 1898, so we","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1205.75,1212.51"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/276","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"really are still operating under the, the 1898 Bankruptcy Act.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1212.51,1216.99"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/277","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"In the beginning, the referee was set up as someone to whom","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1218.49,1224.65"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/278","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"the district judge referred certain things occurring within a bankruptcy case,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1224.65,1231.79"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/279","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"and the referee in the beginning simply heard these things and made","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1232.77,1240.15"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/280","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"recommendations to the district judge for action to be taken in regard","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1240.15,1244.89"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/281","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"to them.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1244.89,1245.61"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/282","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Over the years, it was realized that that was a pretty cumbersome","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1246.87,1251.63"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/283","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"and inefficient way to do it, so that additional powers have been","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1251.63,1256.55"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/284","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"given to the referee, and I suppose the last big jump was,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1256.55,1261.11"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/285","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"well the biggest single jump was the 1938 Act.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1262.03,1267.27"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/286","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"There had been additional jurisdictions given to him in subsequent amendments","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1267.91,1273.01"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/287","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"to the Act, until now the referee is called the bankruptcy judge,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1273.01,1281.71"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/288","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I mean who used to be the referee, it's called the bankruptcy","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1282.13,1285.33"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/289","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"judge, and the district court in a bankruptcy case now sits as","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1285.33,1290.75"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/290","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"an appellate court, and that's, it's the only, it's the only court","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1290.75,1296.83"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/291","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"of original jurisdiction in our whole federal structure that, where the, the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1296.83,1304.67"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/292","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"court of original jurisdiction serves in an appellate capacity for this","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1304.67,1309.89"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/293","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"particular, this specialized branch of their, their jurisdiction.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1309.89,1313.93"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/294","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"What is the role of the trustee?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1315.79,1317.71"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/295","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Well, the trustee is the, is the court officer who does the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1318.69,1324.73"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/296","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"liquidating and the general administering of the estates.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1324.73,1328.13"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/297","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It's his responsibility to gather in all these assets, reduce them to","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1328.85,1333.35"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/298","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"cash, and then, and then see to the distribution of those among","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1333.35,1338.89"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/299","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"the creditors who file their claims.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1338.89,1340.81"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/300","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Do the creditors have an active role in the proceedings?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1341.33,1344.03"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/301","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The whole, the whole administration of the state is structured around creditor","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1344.81,1350.07"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/302","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"participation and really creditor control.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1350.07,1355.59"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/303","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It isn't very effectively exercised by the creditors in very many cases.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1356.05,1361.17"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/304","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Part of it, I think, is because they have confidence in the,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1362.79,1366.67"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/305","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"in the trustees who usually are pretty well active in the cases,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1366.67,1370.83"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/306","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"but they are entitled under the act and the bankruptcy rules to","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1371.99,1376.45"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/307","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"elect that trustee.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1376.45,1377.71"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/308","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"If they fail to elect the trustee, well then the court has","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1378.79,1381.83"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/309","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"the obligation to appoint.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1381.83,1383.17"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/310","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"So that, that's, that's what I mean by saying creditor control.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1384.37,1389.21"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/311","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"In other areas, the, the, meaning areas outside of Texas, the creditors","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1390.05,1396.67"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/312","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"very frequently do exercise that franchise.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1396.67,1399.43"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/313","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"They, they don't anywhere in the state that I'm aware of to","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1400.85,1404.59"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/314","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"any material degree.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1404.59,1405.83"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/315","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"When we speak of creditors, do we mean more typically an individual","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1408.76,1412.48"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/316","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"or say a credit card company?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1412.48,1415.0"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/317","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Are we dealing with individuals or corporations?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1415.76,1418.52"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/318","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I'm really talking about the business cases.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1418.52,1421.48"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/319","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Those businesses can be a sole proprietorship.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1421.96,1424.98"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/320","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"They can be a partnership.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1425.92,1427.02"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/321","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"They are any number of, you know, entities of that sort.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1427.78,1432.36"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/322","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The creditors really to be interested in, in, very much interested in","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1434.2,1440.84"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/323","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"the cases are going to have to be involved in the business","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1440.84,1443.74"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/324","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"case.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1443.74,1444.14"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/325","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Your credit card people you see in the consumer cases and that's","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1445.08,1448.28"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/326","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"just about it.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1448.28,1449.02"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/327","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Have the increased use of credit cards, have they increased the number","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1452.14,1456.74"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/328","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"of consumer bankruptcies?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1456.74,1457.96"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/329","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"To some degree, I'd say it, it, it did for a while.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1461.51,1465.65"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/330","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"You may, you may or may not remember that a few years","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1467.41,1471.29"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/331","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"ago the, oh for instance, when, when some of the cards like","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1471.29,1476.23"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/332","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Bank AmeriCard and Master Charge were, were first being pushed in this","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1476.23,1482.07"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/333","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"area.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1482.07,1482.41"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/334","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I think the, I think that people who were trying to get","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1483.15,1488.27"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/335","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"those in circulation went down the telephone book and just sent just","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1488.27,1492.13"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/336","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"about everybody a card unsolicited.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1492.13,1494.47"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/337","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It was bad enough that, that Congress saw fit to pass an","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1495.55,1499.79"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/338","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"act which prohibited the issuance of a card that, that wasn't applied","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1499.79,1506.21"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/339","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"for by the particular, by the particular person.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1506.21,1509.85"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/340","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Was that the act that also limited liability to $50?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1510.67,1513.47"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/341","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"No, that came with a subsequent amendment, but that was the act","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1514.07,1518.69"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/342","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"that first drew the attention of Congress to the, to the credit","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1518.69,1523.69"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/343","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"card abuse.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1523.69,1524.59"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/344","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The abuse, let me add right quickly, the abuse I think was","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1525.25,1530.33"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/345","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"not on the part of the people who received the cards, but","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1530.33,1534.33"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/346","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"on the part of the people who, who sent them out.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1534.33,1537.87"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/347","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"They, some people, I don't know, it seemed like Christmas in June","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1539.31,1545.27"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/348","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"when they got an unsolicited credit card and could go anywhere and","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1545.27,1550.05"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/349","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"charge up to $300 on it.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1550.05,1551.95"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/350","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I suppose Congress has been active in the credit realm.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1554.62,1557.72"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/351","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Has the Nixon court made any substantial decisions in the bankruptcy realm?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1557.92,1563.16"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/352","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It's been a good while since a consumer, say a consumer issue","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1565.42,1571.6"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/353","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"has reached the court.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1571.6,1572.7"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/354","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"About six or seven years ago there was a holding by the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1574.02,1578.7"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/355","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"court in regard to the refiling by a bankrupt within this six","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1578.7,1587.22"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/356","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"-year period.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1587.22,1587.92"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/357","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Under the, under the act as we now have it, the, a","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1589.02,1594.04"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/358","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"discharge can be granted on, on a case filed six years or","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1594.04,1600.28"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/359","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"more after the, the first, first case.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1600.28,1603.16"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/360","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"In other words, if, if I had been a bankrupt and had","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1603.92,1608.14"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/361","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"gotten a discharge in a case filed in 1969, I would now","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1608.14,1615.0"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/362","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"in 1975 be eligible to file again if I had in the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1615.0,1620.98"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/363","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"meantime gotten into some additional trouble.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1620.98,1623.08"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/364","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The specific situation that Congress, I mean, that the court had before","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1624.8,1631.89"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/365","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"it in, in that, that case was that in less than six","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1631.89,1636.59"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/366","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"years the, the man had had to come back in and he","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1636.59,1639.73"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/367","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"had filed a, a relief case, a Chapter 13, a wage earner","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1639.73,1645.05"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/368","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"case.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1645.05,1645.45"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/369","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Those are the ones that I said proliferated in, in northern Alabama.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1646.13,1650.23"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/370","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It was less than six years so there wasn't any way that","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1650.87,1654.45"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/371","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"he could get a discharge except in one way and as the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1654.45,1660.35"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/372","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"court, as the court spelled it out, if his, if his plan","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1660.35,1664.25"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/373","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"in this Chapter 13 was a, an extension plan, meaning to pay","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1664.25,1671.83"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/374","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"off a hundred percent to those creditors over, over an extended period,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1671.83,1676.09"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/375","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"there was nothing wrong with it, but he could not attempt to","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1676.33,1680.73"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/376","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"whittle them down by way of a composition, reducing the, reducing the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1680.73,1685.57"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/377","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"amount that each would be paid because it would violate the six","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1685.57,1689.27"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/378","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"year limitation on discharges.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1689.27,1691.53"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/379","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Now composition and extension agreement are the two great alternatives to","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1692.43,1696.31"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/380","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"liquidation.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1696.31,1696.85"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/381","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"That's correct.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1696.97,1697.55"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/382","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Do you see many windfall cases where the person who files for","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1699.59,1703.97"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/383","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"bankruptcy comes into money after he files?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1703.97,1706.15"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/384","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"You have a, we may have had a limited number of those","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1710.09,1713.81"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/385","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"and I don't, I don't suppose I have any post-bankruptcy statistics","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1713.81,1720.31"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/386","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"on which to base it.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1720.31,1721.81"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/387","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"You see under Section 70 of the Act if within six months","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1722.79,1726.61"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/388","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"of the filing of the bankruptcy petition, the bankrupt inherits property or","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1726.61,1736.53"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/389","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"acquires a substantial amount by gift even, well it's property that would","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1736.53,1741.39"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/390","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"pass to the trustee, in other words it would be taken over","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1741.39,1745.15"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/391","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"for the benefit of the creditors.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1745.15,1746.73"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/392","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"If it's beyond that six month period there is no way for","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1747.81,1752.05"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/393","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"the, the creditors in this, in this bankruptcy case to reach it.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1752.05,1756.45"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/394","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"So that if you have a, if you have a large inheritance","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1757.29,1761.51"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/395","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"after the six month period, well the man has it for free.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1761.51,1765.37"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/396","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I think you're probably referring to the windfall case like I believe","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1765.89,1771.07"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/397","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"it was Primo Carnero who had been through bankruptcy a matter of","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1771.07,1775.65"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/398","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"about a year before he won the title and that, that, that's","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1775.65,1781.61"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/399","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"what we in bankruptcy refer to as the windfall type of case.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1781.61,1786.49"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/400","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Speaking of which, do you see many athletes in bankruptcy court?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1787.27,1791.15"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/401","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"We've had several of the Astros over the years, but if they","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1791.57,1799.37"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/402","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"can lose games like they've done consistently I suppose they can lose","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1799.37,1803.05"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/403","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"money too.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1803.05,1803.75"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/404","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I guess to sort of cap all of these questions I'd like","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1806.33,1810.11"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/405","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"to ask you what sort of reforms that you personally would like","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1810.11,1813.53"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/406","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"to see introduced into the system?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1813.53,1815.01"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/407","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"There are presently two acts, two new acts, new bankruptcy acts pending","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1817.7,1824.64"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/408","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"before Congress.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1824.64,1825.76"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/409","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"One of them was, was written by a study commission that was","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1826.86,1833.44"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/410","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"appointed about five, six years ago, assigned the task of studying, studying","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1833.44,1842.0"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/411","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"the Bankruptcy Act and, and coming up with a, with a system","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1842.0,1847.92"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/412","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"of bankruptcy that would meet the needs of our present society rather","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1847.92,1854.14"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/413","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"than the society as we knew it in 1938 and in 1898.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1854.14,1859.68"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/414","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"There are many good things about that act, but there are also","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1861.94,1865.02"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/415","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"many things that I find totally unpalatable.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1865.02,1867.5"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/416","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Such as?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1868.38,1868.68"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/417","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I'm not standing alone in that because the bankruptcy judges had, had","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1868.68,1873.48"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/418","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"written an act of their own, which is a substantial variation of","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1873.48,1881.44"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/419","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"the, of the Commission Act and it is the competing act, the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1881.44,1886.1"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/420","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"second act that's presently pending in Congress.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1886.1,1888.44"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/421","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I was one of the six who drafted the bankruptcy judges bill.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1889.22,1892.84"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/422","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The, the Commission Act doesn't do anything substantial for the consumer.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1894.38,1902.96"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/423","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The Commission would simply turn the consumer over to an administrative agency","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1904.1,1908.79"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/424","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"and let it, just leave him there.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1908.79,1910.71"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/425","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Their attitude, it seemed to us the judges, their attitude was that","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1911.59,1916.07"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/426","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"there simply was not enough money involved to bother the court with","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1916.07,1919.81"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/427","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"it.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1919.81,1920.15"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/428","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Well that, we found that a little bit outrageous because it's the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1921.07,1924.33"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/429","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"human equation rather than the monetary one that should control that.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1924.33,1929.25"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/430","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"And just because he's a little fish doesn't mean that he shouldn't","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1929.91,1933.49"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/431","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"have full access to and full protection from the court.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1933.49,1937.65"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/432","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"So we totally restructured that.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1938.45,1940.55"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/433","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"In the, in the business area, the Commission had consolidated into a","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1942.25,1948.65"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/434","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"single chapter of what we now have as chapters, chapter 10 and","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1948.65,1952.81"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/435","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"chapter 11.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1952.81,1953.61"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/436","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The, it's too technical I think to get into a discussion of","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1954.81,1961.5"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/437","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"the differences between the two, the two chapters for a purpose like","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1961.5,1967.24"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/438","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"this, but the chapter 10 is designed for a corporation that needs","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1967.24,1973.98"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/439","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"a pervasive reorganization of the whole corporate structure.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1973.98,1977.76"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/440","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I mean from, it needs a change in management, it needs a","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1978.2,1982.52"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/441","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"reshuffling of the, of the equity ownership, in other words the stock","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1982.52,1988.18"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/442","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"ownership.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1988.18,1988.82"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/443","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It needs a restructuring of its indebtedness, both secured and unsecured.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1990.02,1995.68"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/444","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The process as set up in chapter 10 is extremely complex, it's","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=1996.66,2003.42"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/445","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"extremely expensive, and not many corporations short of the size of General","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2003.42,2010.46"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/446","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Motors can survive the treatment.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2010.46,2012.5"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/447","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Chapter 11 is a lot freer and looser, it's designed to restructure","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2013.7,2021.3"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/448","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"or to permit a composition or an extension of the unsecured indebtedness","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2021.3,2026.14"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/449","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"of a debtor.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2026.14,2027.3"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/450","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"By throwing the two together the Commission had come out with a,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2028.22,2032.0"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/451","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"with a structure that resembled chapter 10 much more than it did","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2032.02,2036.82"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/452","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"chapter 11, and it seemed to us that it, in doing so,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2036.82,2041.02"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/453","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"had destroyed the, the primary utility of the chapter 11 type case,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2041.12,2047.84"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/454","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"so that we, we separated the two again.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2048.1,2052.159"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/455","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"You kept the dichotomy.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2052.679,2053.639"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/456","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Right.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2053.92,2054.28"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/457","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"What is it?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2054.5,2055.06"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/458","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It's a, it's a necessary difference because the needs to be served","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2055.26,2059.0"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/459","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"are so different.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2059.0,2059.739"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/460","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Was this act drafted under the auspices of the ABA?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2060.76,2064.139"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/461","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"No, neither one.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2064.88,2066.62"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/462","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Does the ABA have a position on it?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2067.719,2070.08"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/463","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Officially, no.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2070.46,2071.58"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/464","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The ABA Committee, Commercial Bankruptcy Committee, it","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2072.639,2082.78"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/465","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"has two different committees.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2082.78,2083.98"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/466","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It has a Consumer Bankruptcy Committee and a Commercial Bankruptcy Committee.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2084.48,2088.32"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/467","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The Consumer Bankruptcy Committee has, has soundly denounced the Commission","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2089.42,2095.5"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/468","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"bill because of their, their failure of decent treatment for the consumer.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2095.5,2102.28"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/469","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"They have endorsed the Bankruptcy Judges bill, and that's, that's a committee","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2103.12,2110.5"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/470","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"only.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2110.5,2110.86"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/471","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"That's not an official position of the, of the ABA.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2110.98,2113.86"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/472","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The Commercial Bankruptcy Committee has never really come to any hard","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2114.68,2119.88"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/473","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"resolutions.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2119.88,2120.86"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/474","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"There are, there are a number of features in the Commission bill","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2121.74,2126.98"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/475","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"that they have, they have disapproved of, and there are a number","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2126.98,2132.56"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/476","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"of features in the Judges bill that they have approved of, but","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2132.56,2136.72"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/477","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"understand that before it becomes an official position of the ABA, it","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2136.72,2140.96"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/478","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"has to go through, you have to have the full committee approve","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2140.96,2146.66"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/479","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"it because these are sections of the Corporation and, and Business Committee,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2146.66,2151.4"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/480","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"which is the big one.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2151.54,2152.88"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/481","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"These are simply sections, subcommittees.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2152.88,2155.62"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/482","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It has to get approval of the full committee and then it","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2156.44,2159.2"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/483","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"has to be approved, approved by the, the Board of Governors, and","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2159.2,2164.36"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/484","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"then it has to go through, before the full membership meeting, before","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2164.36,2168.08"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/485","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"it becomes an official position.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2168.08,2170.3"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/486","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"So I'm simply telling you what individual subcommittees have, have done.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2171.12,2175.44"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/487","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Are you actively pushing this draft?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2176.32,2178.38"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/488","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Have you spoken on behalf of it?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2178.5,2180.12"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/489","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I appeared before the Senate Judiciary Subcommittee at the end of April","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2181.24,2188.08"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/490","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"testifying in regard to the Judges bill.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2188.08,2192.12"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/491","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The other judges, do they come from all parts of the nation?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2193.56,2196.54"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/492","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"You mean in the Bankruptcy Judges Conference?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2197.3,2199.66"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/493","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Well the six men who wrote this bill.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2200.22,2202.22"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/494","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"A man from Maine, one from California, one from Georgia, one from","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2203.66,2208.46"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/495","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Kansas, and me.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2208.46,2212.08"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/496","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I think that's a pretty good spread, don't you?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2212.2,2214.1"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/497","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"What are your chances?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2214.7,2215.3"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/498","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I think they're very good.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2216.56,2218.02"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/499","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Let me, let me amend that by, I mean elucidate on that","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2221.18,2225.46"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/500","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"by saying that I think that the end result, the bill that","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2225.46,2228.66"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/501","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"ultimately will be passed will resemble the Judges bill more than it","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2228.66,2233.24"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/502","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"will the Commission bill.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2233.24,2234.3"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/503","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Well, do you have any other comments you'd like to make about","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2238.6,2241.34"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/504","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"the bankruptcy court, especially the court in Houston?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2241.34,2244.36"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/505","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The court in Houston right now is suffering from too many cases","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2246.12,2249.84"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/506","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"and too few judges.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2249.84,2251.02"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/507","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The situation is going to be bad for some time, some, could","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2252.52,2258.52"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/508","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"be a matter of a month or more, I really don't know.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2258.52,2261.84"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/509","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I am terminating, I'm resigning effective June the 30th.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2263.02,2267.8"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/510","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"We have been authorized a third judge here and I don't know","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2268.84,2275.02"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/511","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"how soon after the 1st of July that one, funds can be","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2275.02,2281.32"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/512","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"made available for him, or two, that the judges will make their","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2281.32,2287.08"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/513","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"choice.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2287.08,2287.7"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/514","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"To explain that last remark, the bankruptcy judges are appointed by the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2290.72,2296.66"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/515","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"district judges.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2296.66,2297.56"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/516","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"They're not presidential appointments, they're strictly court appointments.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2298.74,2302.7"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/517","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"They're appointed for six-year terms.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2303.5,2305.32"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/518","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I have been reappointed in 74 for an additional six-year term","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2306.78,2312.16"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/519","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"and for reasons that to me are totally valid I chose to","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2312.16,2321.4"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/520","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"resign as of the end of December 1974 and come back in","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2321.4,2328.98"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/521","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"on January 1 under a temporary appointment, temporary six-months appointment,","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2328.98,2333.94"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/522","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"which enabled us to get a full-time, you know, another judge","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2334.54,2340.26"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/523","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"here immediately.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2340.26,2341.02"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/524","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The permanent third man will not come in until after the 1st","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2342.68,2348.4"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/525","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"of July.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2348.4,2348.94"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/526","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The primary reason that I had taken the action that I did","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2351.44,2357.0"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/527","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"was that the federal judges at all levels, meaning from the bankruptcy","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2357.0,2362.6"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/528","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"judge all the way to the Supreme Court, are still receiving the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2362.6,2367.86"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/529","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"salaries that were fixed in January of 1969.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2367.86,2370.84"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/530","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"There have been no increases.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2371.82,2373.26"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/531","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It's pretty well outrageous because I think you are aware that in","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2373.78,2377.34"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/532","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"the intervening six and a half years there's been a dilution of","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2377.34,2381.8"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/533","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"the purchasing power of the dollar by somewhere between 40 and 50","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2381.8,2387.74"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/534","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"percent.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2387.74,2388.34"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/535","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"In other words, you don't want to end up in your own","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2389.0,2390.94"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/536","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"court.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2390.94,2391.28"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/537","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Well, it's not a matter of that.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2392.34,2393.6"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/538","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I've supplemented my income by writing extensively and for money, it's","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2393.84,2403.34"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/539","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"permissible, but I don't see any reason why I should when the","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2403.34,2409.62"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/540","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"moment I leave here I'll double at least my present salary.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2409.62,2419.44"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/541","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Is there any legislation pending to correct the problem?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2420.22,2424.46"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/542","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"It comes a little late.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2427.41,2428.45"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/543","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"There is a bill called the Railsback Bill that has been introduced","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2428.63,2432.47"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/544","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"to raise the judiciary, I think, by about 10 or 12 percent.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2432.47,2441.65"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/545","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"That isn't satisfactory to me.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2442.29,2445.25"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/546","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"Anything else?","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2449.56,2450.38"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/547","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"That pretty well does.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2450.68,2451.98"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/548","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I'd like to thank you for your time.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2452.4,2454.14"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/549","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"The caseload is staggering.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2454.52,2456.3"},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/550","type":"Annotation","motivation":"transcribing","body":{"type":"TextualBody","value":"I've enjoyed talking to you.","format":"text/plain"},"target":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506#t=2456.72,2457.92"}]},{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724","type":"AnnotationPage","label":{"en":["English [Transcript]"]},"items":[{"id":"https://houstonlibrary.aviaryplatform.com/collections/2509/collection_resources/112893/file/215506/transcript/71724/annotation/551","type":"Annotation","motivation":"subtitling","body":{"type":"TextualBody","value":"https://d9jk7wjtjpu5g.cloudfront.net/file_transcripts/associated_files/000/071/724/original/OH0126ArthurMoller.vtt?1728414673","format":"text/vtt","language":"en"},"target":"https://d9jk7wjtjpu5g.cloudfront.net/file_transcripts/associated_files/000/071/724/original/OH0126ArthurMoller.vtt?1728414673"}]}]}]}