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| RICK MCKAY/RICK MCKAY/ Cox News Service |
| Robin Atchley introduces her family to Senate Judiciary subcommittee chairman Charles Schumer, D-NY, left, before the start of the hearing on abuses of the bankruptcy process by mortgage lenders. From left, Schumer, Morgan, 5, husband John, son Alec, 11, and attorney Howard Rothbloom. |

