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<tr><td><b>Comment Number: </b></td><td>544507-00005</td></tr>

<tr><td><b>Received: </b></td><td>10/19/2009 12:57:51 PM</td></tr>

<tr><td><b>Organization: </b></td><td>One Legal</td></tr>

<tr><td><b>Commenter: </b></td><td>Tom  Leykis </td></tr>

<tr><td><b>State: </b></td><td>CA</td></tr>

<tr><td><b>Agency: </b></td><td>Federal Trade Commission</td></tr>

<tr><td><b>Rule: </b></td><td>Protecting Consumers in Debt Collection Litigation and Arbitration:A Roundtable Discussion </td></tr>

<tr><td>No Attachments</tr></Table>

<hr><P><b>Comments:</b></p>I concur with the commentary made by Certified Civil Process Servers Association of Texas. Don't blame the messenger. What happened in New York is not a reflection on the industry as a whole. That was an isolated instance of greed and willful, despicable fraud. The problem doesn't lie with the process serving industry; it lies with debt collectors trying to collect "debts" that rightfully is not theirs and to a greater extent, the credit reporting agencies being unwilling and purposefully denying consumer requests for lawful investigations into erroneous information reported on their credit reports. After all, if the CRA's couldn't report "bad" credit they would be out of business. If the FTC needs a starting point....the credit reporting industry would be a great one.


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