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<tr><td><b>Comment Number: </b></td><td>543670-00011</td></tr>

<tr><td><b>Received: </b></td><td>9/23/2009 4:14 PM

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

<tr><td><b>Commenter: </b></td><td>John Holmes</td></tr>

<tr><td><b>State: </b></td><td>PA</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>With the death of my mother and bills left behind, I got behind in making my credit card payments. I saw an ad for Debt Regret. I was thinking about filling for bankruptcy. I made a call to Debt Regret and talk to a representive. They explain what they do and what could happen if I filled for bankruptcy. They sent me information about the program they have. I signed up for their program. I have to say that it was the smartest thing I did. The company and their representives have helped me through everything. With their help, I have already paid back one creditor and working on the second one. with their help, I know I will be free of my creditors sooner then if I was doing it on my own. They have stopped the harrassing phone calls which made my life easier. If I have any problems with creditors, they go out of their way to help. I am making a personal request that the FTC not regulate debt settlement out of business as Debt Regret has provided a valuable benefit to me in my time of need. I would recommend Debt Regret to my friends if they have the same problem.


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