HENRY J. SOMMER is head of the Consumer Law Project at Community Legal Services, Inc. Of Philadelphia, Pennsylvania. He has served as Lecturer in Law at the University of Pennsylvania Law School, where he taught an advanced seminar on bankruptcy practice and theory. He is the author of Consumer Bankruptcy Law and Practice, now in its fourth edition, which is published by the National Consumer Law Center in Boston, Massachusetts, and has taught courses on bankruptcy to attorneys and judges around the country.