RICHARDO I. KILPATRICK is a member of the law firm of Kilpatrick & Associates, P.C. His practice specializes in insolvency, corporate work, and consumer and commercial litigation. He has a B.A. at Harvard University; and a J.D at University of Michigan Law School. Member of the State Bar of Michigan, American Bar Association, Federal Bar Association, Oakland County Bar Association, Association of Trial Lawyers of America; American Bankruptcy Institute, and National Association of Chapter 13 Trustees. Mr. Kilpatrick is a co-founder and past President of the Consumer Bankruptcy Association; Delegate of Insol (International Association of Insolvency Practitioners); member of International Litigation Practitioners Forum; Speaker, National Conference of Bankruptcy Judges (11/89) and National Association of Chapter 13 Trustees (7/91); Contributing Editor, Norton Bankruptcy Law and Practice, 3d Ed and a Board member and past President of the American Bankruptcy Institute.