Free Analysis Online
Free Analysis Online

Your journey to freedom
from debt starts here.

  • arrow_circle_right Zero upfront costs.
  • arrow_circle_right One manageable monthly installment.
  • arrow_circle_right You can cut your debt by up to 50% overall.
  • arrow_circle_right Save money and time by paying off your debt sooner.
(877) 214-9516
Debt amount

What amount of unsecured debt are you presently carrying?

$53,500.00
Home page form

Could you provide us with a brief overview of yourself? It should only take a moment.

Home page form

Please input your zip code.

Home page form

By clicking "See If You Qualify", I express my understanding and consent electronically via E-sign that I acknowledge, agree and consent to the Privacy Policy and Terms of Use which includes binding arbitration and I am providing express written consent for Certify Financial Solutions and it’s affiliates to contact me by, calls and/or text at the phone number provided regarding scheduling and application status using any telephone dialing system, prerecorded/artificial voice messages and/or use of an automatic dialing device or system, as applicable sending text messages (Data & message rates may apply, messaging frequency varies: text HELP for help; text STOP to cancel) even if my telephone number is currently listed on any state or federal Do-Not-Call list. I may revoke this consent at any time and I am not required to opt in as a condition of these services.

You are in debt

We have a solution for you.

Your objective should be to pay off your debt as fast and conveniently as you can. if you keep paying merely the bare minimum. The amount of time it takes to repay the loan will depend on how much there is to repay. We can assist in developing a strategy to pay off debt in as short as 12 to 48 months*. You could save a ton of time and money by joining and finishing our program. Get out of debt faster than you ever imagined.

01

Free Debt Assessment

For a free debt analysis, fill out our online form or give us a call.

02

Plan Your Payments
Ahead And Save​​

A Customized plan created just for you will be combined into a single, low-cost monthly payment.

03

Negotiate

Our skilled staff of negotiators will reach agreements that need your approval.

04

Settle ​

When your creditor is paid, the debt is discharged.

05

Debt Free

When all enrolled debts go through this process, you have successfully completed the program along with financial freedom.

You are in debt

We have a solution for you.

Your objective should be to pay off your debt as fast and conveniently as you can. if you keep paying merely the bare minimum. The amount of time it takes to repay the loan will depend on how much there is to repay. We can assist in developing a strategy to pay off debt in as short as 12 to 48 months*. You could save a ton of time and money by joining and finishing our program. Get out of debt faster than you ever imagined.

01

Free Debt Assessment

For a free debt analysis, fill out our online form or give us a call.

02

Plan Your Payments
Ahead And Save​​

A Customized plan created just for you will be combined into a single, low-cost monthly payment.

03

Negotiate

Our skilled staff of negotiators will reach agreements that need your approval.

04

Settle ​

When your creditor is paid, the debt is discharged.

05

Debt Free

When all enrolled debts go through this process, you have successfully completed the program along with financial freedom.

We are by your side throughout.

  • Certify Financial Solutions offers cutting-edge debt solutions because we are aware of the difficulties consumers have in managing their finances and want to support our customers in keeping their promises to a brighter financial future. Our full-service financial solutions firm is dedicated to provide individualized financial services that take into account each client's particular demands.

    The goal of our team of debt specialists is to help clients through each stage of the program, help them weigh their options, and enroll them in the best program that is specifically designed for them. We take pride in our expertise, rapid response times, and commitment to helping our clients achieve financial security.

    We provide a wide range of individualized financial services, such as debt consolidation, credit card debt relief, medical bill payment, and unsecured student loan services.

    • You Can Achieve Financial Stability
    Through Debt Settlement If You:

    • check_small Are Ineligible To Pay Your Debt Off
    • check_small Need A New Beginning
    • check_small Desire Financial Independence
    • check_small Want To Regain Financial Stability
    • check_small Have Unplanned Medical Costs
    • check_small Have A Lot Of Monthly Loan And Credit Card Payments
    Free Analysis Online

    One Easy Program

    Speak with a trained debt relief professional at for free. They can walk you through our straightforward method.

    01.

    Simple and quick start-up and registration processes. A plan will be developed for you that is specific to your situation.

    02.

    Streamlined and swift initiation and enrollment procedures. A personalized plan will be formulated to address your unique circumstances

    03.

    Signing up and getting started is a quick and simple procedure. A strategy tailored to your needs will be developed.

    Frequently Asked Questions

    Have more inquiries? View further FAQs.

    Is Debt Relief Legal?
    Yes. Legitimate programs are licensed, bonded, and regulated where they operate. You should never pay upfront fees for debt relief.
    Send us any legal documents right away. We’ll prioritize urgent negotiations and, where available, connect you with partner attorneys.
    If a collector violates debt collection rules, you may have the right to take legal action. We monitor your creditor communications and review any collection letters. If violations occur, we partner with a debtor’s rights law firm to act on your behalf.
    Some people do, but most find it challenging without experience. While handling it yourself could save you program fees, it also carries risks. Our team negotiates daily and works to secure the best possible settlements.
    The program is best for people with $7,500 or more in unsecured debt who struggle to make payments. Many clients complete their program within 1–4 years, compared to 20–40 years if paying minimums.
    Our goal is to help reduce your unsecured debt through direct negotiations with your creditors. These negotiations often result in agreements where you pay less than the full balance. However, the process may impact your credit score, and it’s common to see a decline during the program. The extent depends on your credit standing at enrollment and other outstanding debts.
    Typically, individuals with financial hardship, $10,000+ in unsecured debt, and at least $500 owed per creditor.
    Creditors may issue a Form 1099-C for forgiven debt over $600, which the IRS considers taxable income. However, if you’re insolvent, you may qualify for an exclusion. Please consult a tax advisor.
    Debt relief (or settlement) reduces your balance through negotiated forgiveness, so you pay less than the original amount. Debt consolidation is a new loan that combines your debts into one payment, which usually requires good credit.
    Most clients finish in 12–60 months, depending on their total enrolled debt and monthly deposit amount.
    Will Interest and Fees Keep Adding Up?
    Yes. According to your cardholder agreements, creditors may continue to apply interest and late fees after payments stop, which can temporarily increase balances. Our negotiations aim to reduce both principal and fees.
    Yes. Funds placed with participating dedicated account providers are FDIC-insured up to the current legal limits (currently $250,000).
    While any creditor can file a lawsuit, it’s often used more as pressure since litigation is costly. If it happens, we can adjust your program and connect you with consumer-rights attorneys as needed.
    Everyone’s financial situation is different. If something unexpected happens, we can work with you to adjust your payment schedule. To stop any scheduled deposits, contact our Customer Relations Team at least seven days before the next payment date.
    Credit cards included in the program should not be used. If possible, keep one non-enrolled card for emergencies.
    If debt is causing stress and keeping you living paycheck to paycheck, a structured settlement program can lower payments, reduce stress, and help you refocus on your family, work, and future.
    Let them know you prefer written communication because of financial hardship. You’re not required to speak with them. If calls continue, reach out to our account management team for support.
    We begin with a free, private consultation. There are no upfront fees—costs (usually 15–25%, depending on your state) apply only when a debt is successfully resolved. We focus on unsecured debts like credit cards, store cards, medical bills, private student loans, payday loans, and some business debts.
    No, this is not a loan. Instead, your debts are combined into one program deposit while we negotiate with creditors to reduce what you owe.
    Facebook Twitter Youtube Linkedin

    Our Program

    Privacy Policy

    Contact Info

    ©2025 Certify Financial Solutions. All Rights Reserved.