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

<tr><td><b>Comment Number: </b></td><td>543670-00050 </td></tr>

<tr><td><b>Received: </b></td><td>9/28/2009 12:35:10 PM</td></tr>

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

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

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

For the most part I have had a descent experience with Debt regret. Unfortunately, their advertised statements about saving me 50% or more in settlement has been more like 20 to 30 % after penalties and default APR's are factored in. Looking back I wished I had dealt with the creditors myself and probably had a better outcome.</html></body>