<!DOCTYPE HTML PUBLIC '-//W3C//DTD HTML 4.0 Transitional//EN'>

<html><head><title>536796-00034.htm</title>

<meta name='vs_defaultClientScript' content='JavaScript'>

<meta http-equiv="Content-Type" content="text/html; charset=utf-8">

<meta name='vs_targetSchema' content='http://schemas.microsoft.com/intellisense/ie3-2nav3-0'>

<meta name='Originator' content='CommentWorks'></head><body><Table>

<tr><td><b>Comment Number: </b></td><td>536796-00034</td></tr>

<tr><td><b>Received: </b></td><td>11/19/2008 1:46:56 PM</td></tr>

<tr><td><b>Organization: </b></td><td>YourDebtDecision.com</td></tr>

<tr><td><b>Commenter: </b></td><td>N Carlsen</td></tr>

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

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

<tr><td><b>Rule: </b></td><td>Debt Settlement Industry - Public Workshop </td></tr>

<tr><td><b>Attachments:</b></td><td><a href='536796-00034.pdf'>536796-00034.pdf</a>&nbsp<a href='http://www.adobe.com/products/acrobat/readstep2.html' target = _blank >Download Adobe Reader</a><br></td></tr></Table>

<hr><P><b>Comments:</b></p>Attached please find a Consumer Guide To Debt Settlement that I drafted as an educational tool. I believe a resource like this should be made available to the public so that they may have an opportuity to get informed from a source other that a commission based sales rep, prior to making a decision as to the suitability of Debt Settlement for their needs.</body></html>