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<tr><td><b>Comment Number: </b></td><td>543670-00010</td></tr>

<tr><td><b>Received: </b></td><td>9/23/2009 3:37 PM

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

<tr><td><b>Commenter: </b></td><td>Hancock</td></tr>

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

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

<tr><td><b>Rule: </b></td><td>16 CFR Part 310 Telemarketing Sales Rule- Debt Relief Amendments</td></tr>

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

<hr><P><b>Comments:</b></p>I was struggling with major credit card debt of over 50,000. I considered bankruptcy but could not move forward with it as it could possibly affect my career's future. After trying to work with the credit card companies with no success, I decided to use Debt Regret to help me become debt free within four years. Thus far in my debt settlement, I have reduced my credit card debt by 60% to 20,000 with an average settlement percentage at 32% which has produced me an average savings of 68%. Debt Regret has been a very positive life changing experience that has given my future a brighter financial outlook. I was given information that helped with my decision, such as the impact on my credit and how it will show up on my credit report. I could not have done it without their assistance. Please do not regulate debt settlement out of business as Debt Regret has provided a valuable benefit to me in my time of need.

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