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WASHINGTON - OCTOBER 20: (L-R) Kerry Burns of Coventry, Rhode Island; Elizabeth Edwards, wife of former senator John Edwards (D-NC); and John Pottow, professor of law, University of Michigan Law School, swear an oath to tell the truth before testifying to the Senate Judiciary Subcommittee on Administrative Oversight and the Courts on Capitol Hill October 20, 2009 in Washington, DC. Burns testified about how she and her husband, Patrick, went into bankruptcy after taking leaves from their jobs to be at their son Finnegan's side through several surgeries at three separate hospitals, living on disability and unemployment pay and falling so far behind in their bills that they could not recover. Finnegan, 4, died from cystic fibrosis in March 2009. Edwards, a senior fellow at the Center for American Progress, testified about how reforming bankruptcy law might help alleviate the impact of some medical debt. (Photo by Chip Somodevilla/Getty Images)