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<tr><td><b>Comment Number: </b></td><td>545921-00003</td></tr>

<tr><td><b>Received: </b></td><td>11/30/2009 2:38:15 PM</td></tr>

<tr><td><b>Organization: </b></td><td>www.creditinforesource.com/forums1</td></tr>

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

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

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

<tr><td><b>Rule: </b></td><td>Protecting Consumers in Debt Collection Litigation and Arbitration: A Series of Roundtable Discussions" - August, September, and December, 2009</td></tr>

<tr><td><b>Attachments:</b></td><td><a href='545921-00003.pdf'>545921-00003.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>Please see my comments in the attached .PDF file. I would also like to add one additional comment. Debt collectors sue more than they will admit. The reason for this is because once a lawsuit becomes a Judgment, then the SOL has now been extended, usually by many years. So if a debt collector sues me on a debt which only has a 6 yr SOL, once they obtain a Judgment in MI the SOL is now 10 yrs and can be renewed for another 10! Plus with Judgments the debt collector can garnish wages, taxes and levy bank accounts. Judgments make sure the debt collector gets paid, even if they are not entitled to it.


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