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<tr><td><b>Comment Number: </b></td><td>536796-00028</td></tr>

<tr><td><b>Received: </b></td><td>10/22/2008 6:02:57 PM</td></tr>

<tr><td><b>Organization: </b></td><td>Debt Settlement USA</td></tr>

<tr><td><b>Commenter: </b></td><td>Jack Craven</td></tr>

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

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

<tr><td><b>Rule: </b></td><td>Debt Settlement Industry - Public Workshop </td></tr>

<tr><td><b>Attachments:</b></td><td><a href='536796-00028.pdf'>536796-00028.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>In addition to my earlier comments, please find attached Debt Settlement USA’s white paper on the debt settlement industry, including issues and challenges. We recently revised it to incorporate issues discussed during the workshop.</body></html>