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<tr><td><b>Comment Number: </b></td><td>536796-00033</td></tr>

<tr><td><b>Received: </b></td><td>11/19/2008 1:44:03 PM</td></tr>

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

<tr><td><b>Commenter: </b></td><td>N Carlsen</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>Debt Settlement Industry - Public Workshop </td></tr>

<tr><td><b>Attachments:</b></td><td><a href='536796-00033.pdf'>536796-00033.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>Attached please find a disclosure document that I created to address what I have found over time to be the primary misrepresented/misunderstood issued associated with Debt Settlement.</body></html>