Privacy and Terms of Service

Customer service is very important to us. As we continue to improve and expand our services, we recognize our customers need and desire to preserve their privacy and confidentiality. Safeguarding our customers privacy is also very important to us. We have adopted standards that help

maintain and preserve the confidentiality of customers nonpublic personal information. The following Statement affirms our continued efforts to safeguard customer information.

Alabama 1975 law "Sale of Checks Act" I formed Certified Debt, LLC for marketing to prospects that need debt relief. I never collect money or checks or solicit to collect money or checks. I never try to directly settle any debts or bills with bill collectors or creditors. I am not an negotiator of

debt settlement. I am purely an Alabama marketing company that refers business to attorneys, to law firms,and to business companies that pay me for only marketing debt settlement. The laws that are governing debt settlement companies or activities is issued by the Federal Trade

Commission , the Fair Reporting Act, and the Fair Bill Collections Act, and any Code of Alabama . However, I only conduct debt consumer marketing. I will continue conducting my debt marketing service following all state laws and all federal laws. If the Alabama state laws requires a

marketing company to be licensed I will comply. However unless otherwise told. I will consider NO VIOLATION has been committed by Ryan Epper, and Certified Debt, LLC for any Alabama State Law, federal law, and Alabama Securities Commission for business activities for the Code of

Alabama 1975 law "Sale of Checks Act". Each client enrolls in the program has its own bank account to use to settle all debt that are enrolled in the debt settlement program. All proper disclosures are given to each prospect do inform them of the program and set guidelines. My business

activity is to solicit prospects or clients to avoid financial hardships and provide an alternative to bankruptcy. I only take an application and never any money or checks. I don't provide any legal advice or pretend to be a law firm. My company explains the solution of debt relief by a debt

settlement company and law firm. My company refers all business to a law firm and only to qualified attorneys in good standing. My certification by the debt settlement industry was a requirement for me personally. I needed the expertise to be knowledgeable to prospects or clients. This

company is an Alabama Marketing Company. it follows all actives to best of knowledge of marketing a service that is sought after in the local community. Ryan Epper is the only member in this company and complies to all laws in the state of Alabama.