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<tr><td><b>Comment Number: </b></td><td>543670-00084 </td></tr>

<tr><td><b>Received: </b></td><td>10/1/2009 5:49:15 PM</td></tr>

<tr><td><b>Commenter: </b></td><td> Cory Powers </td></tr>

<tr><td><b>Organization: </b></td><td></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>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 had about $36,000 in unsecured debt I had to change jobs and took a $20,000 a year pay cut. I considered debt consolidation and bankruptcy. I found Debt Regret on the internet and called them. They helped me set up a program that had a payment I could afford. We have settled two of my accounts so far for less than what I owed them. When they got these settlements I had three people from Debt Regret helping me get this done. The first one I didn't have the total payment the creditor was requesting, so one of my representatives from Debt Regret negotiated a two month payment plan. They are very helpful people. Please don't change the regulation so that companies like Debt Regret will have to close. I don't know how I would people to get out of debt without filing for bankruptcy.</html></body>