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<tr><td><b>Comment Number: </b></td><td>545921-00013</td></tr>

<tr><td><b>Received: </b></td><td>12/15/2009 8:24:25 AM</td></tr>

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

<tr><td><b>Commenter: </b></td><td>Lisa Piaser </td></tr>

<tr><td><b>State: </b></td><td>OH</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>No Attachments</tr></Table>

<hr><P><b>Comments:</b></p>I have recently been served with a Civil Summons from Unifund CCR Partners based from Cincinnati, Ohio. It is suing me for a credit card debt from Providian in 2000. This suit stems from a credit card dispute over finance charges of approx. $20 if not less. This card was soliciated by telephone, with no mention of fees. Unifund is now wanting to collect over $800 on this transaction. As a consumer I feel this to be unethical and unjust. There should be laws barring this type of secondary debt collection. After contacting 2 lawyers, I was told that it would cost more to defend myself than the $800 and climbing charge. This is wrong, and I feel that there is no one defending out rights. I am certain that I am one of many how are being legally robbed.

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