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<tr><td><b>Comment Number: </b></td><td>544507-00009</td></tr>

<tr><td><b>Received: </b></td><td>10/29/2009 3:14:29 PM</td></tr>

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

<tr><td><b>Commenter: </b></td><td>Henry Chan  </td></tr>

<tr><td><b>State: </b></td><td>MD</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 do not have any delinquent debts, but in the past two years, I have been hounded by over a dozen debt collectors. Unfortunately, there is no end in sight. Apparently, a deadbeat used to own my cell phone number, and he has several delinquent accounts placed in collection. His debts have been sold and resold among the debt collectors. Although initially I notified the debt collectors in writing that I am not the debtor, I am getting no relief. The debt collection industry should maintain a centralized database of no-longer-valid phone numbers. I have stopped answering my phone from callers whose numbers I do not recognize, and I have discontinued my carrier's voicemail service. I feel that my rights have been violated. I would like the FTC to be mindful of the many innocent people caught in this out-of-control industry.


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