<!DOCTYPE HTML PUBLIC '-//W3C//DTD HTML 4.0 Transitional//EN'>

<html><head><title>543670-00023.htm</title>

<meta name='vs_defaultClientScript' content='JavaScript'>

<meta http-equiv="Content-Type" content="text/html; charset=utf-8">

<meta name='vs_targetSchema' content='http://schemas.microsoft.com/intellisense/ie3-2nav3-0'>

<meta name='Originator' content='CommentWorks'></head><body><Table>

<tr><td><b>Comment Number: </b></td><td>543670-00023</td></tr>

<tr><td><b>Received: </b></td><td>9/24/2009 7:50 PM</td></tr>

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

<tr><td><b>Commenter: </b></td><td>VALERIE SMITH </td></tr>

<tr><td><b>State: </b></td><td>IL</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>OUR REASON FOR USING DEBT REGRET WAS THAT WE WERE ONLY ABLE TO MAKE THE MINUMIM PAYMENTS DUE TO EXTREMLY HIGH INTEREST RATES. IN THE LAST 2 YEARS WE HAVE BEEN ABLE TO SETTLE MOST OF OUR DEBT. WE HAVE APPROXIMATELY ONE MORE YEAR TO GO. THE PEOPLE AT DEBT REGRET HAVE BEEN MOST HELPFUL. THEY UNDERSTAND OUR PROBLEM AND ARE LOOKING OUT FOR US. THEY HAVE BEEN ABLE TO KEEP THE CREDITORS AT BAY WHILE WE CONTINUE TO PAY OUR BILLS. MY HUSBAND AND I FEEL THAT THIS WAS THE BEST THING WE COULD HAVE DONE.


</body></html>