Bruce A. Markell is a United States Bankruptcy Judge for the District of Nevada. Before taking the bench, he practiced bankruptcy and business law for ten years and was a law professor for fourteen; he is also the Senior Fellow in Bankruptcy and Commercial Law at the William S. Boyd School of Law at the University of Nevada Las Vegas. He is the author of numerous articles on bankruptcy and commercial law, and a co-author of four law school casebooks. He was the International Bar Association's representative to UNCITRAL's Assignment of Receivables Convention, and was an adviser to the United Nations on Secured Transactions and to the Republic of Indonesia on Secured Transactions and Bankruptcy. Bob Wessels is Professor of International Insolvency Law at the University of Leiden Law School, the Netherlands, an independent legal counselor and advisor, primarily in the area of cross-border insolvency, and since 1987 Deputy Justice at the Court of Appeal, The Hague. He is Chairman of the Academic Forum of INSOL Europe, and has over thirty years of experience in general commercial and corporate law, contract law, and insolvency law. With fifteen books on (international) insolvency law, Professor Wessels is among the world's primary experts on international insolvency law. Jason Kilborn teaches business and commercial law (including bankruptcy) at John Marshall Law School in Chicago. Before joining the academy, he spent two years in practice as an associate at two major law firms in New York and Washington, D.C., focusing on bankruptcy litigation and corporate reorganization. Professor Kilborn has developed a specialization in the comparative analysis of legal regimes for combating consumer financial distress. He has written several pioneering articles and a book examining the emergent consumer insolvency systems in Germany, France, Belgium, Luxembourg, the Netherlands, Austria, and Sweden, and he has presented papers on comparative consumer bankruptcy law and policy at several national and international conferences.