Start My Answer

Century Debt Settlement Reviews

Sarah Edwards | January 25, 2023

Don't settle for mediocre debt settlement services.

Summary: Century Debt Settlement promises to settle your debts at a fraction of their original value. Overall, Century has fairly good reviews. However, some consumers complain that working with Century ended up hurting their credit and got them nowhere, all while incurring exorbitant fees for the settlement services. Before you sign up for a debt settlement program, understand the risks. SoloSettle can help you take matters into your own hands.

If you’re considering debt settlement, you’ve probably researched how it works and are seeking a company to handle the process for you. Century Debt Settlement is a popular option, but what kind of reviews does it have?

In this article, SoloSuit breaks down everything you need to know about Century Debt Settlement before signing up for its services.

Let’s jump right in.

Understand how the Century Debt Settlement process works

Century Support Services, LLC is one of the top nationwide debt settlement programs. The company first started in 2003 and has a three-step system for debt settlement.

Clients begin by undergoing an evaluation with debt settlement specialists. Once the specialists understand the customer’s financial situation and obligations, they’ll set up a customized payment plan. The plan includes a monthly payment amount, which Century Debt Settlement will use toward settling existing debts.

When there’s enough money in savings to begin the negotiation process, the specialists at Century Debt Settlement reach out to the client’s creditors. Once they reach an authorized settlement, they contact the debtor for approval before paying it.

The process continues until the client pays their last debt in the program. Most clients can finish the debt settlement process within two to four years.

In exchange for their services, Century Debt Settlement charges a fee based on the total outstanding debt, typically 25%.

Let’s consider an example.

Example: Felicity owes $10K in obligations and decides to enroll in a program with Century Debt Settlement. The company tells Felicity to make $400 monthly payments for two years, after which she’ll be debt-free. Felicity agrees, and Century Debt Settlements negotiates payments with her creditors, saving her money. She pays them $2.5K for their services.


If you need immediate help settling a debt, check out SoloSettle.

What do customers think of Century debt settlement programs?

While Century’s debt settlement process may sound great on paper, it’s wise to seek customer reviews to understand whether the company is right for you.

The BBB offers more info on Century

According to the Better Business Bureau (BBB), Century has a rating of A+. However, this does not factor in customer reviews. According to current and prior customers, Century Debt Settlement has decent reviews. It has a 3.69 rating on a 5-star scale, with 39 people chiming in on their experiences.

Many favorable reviews praise Century’s customer service. Several consumers comment that Century agents are highly professional and knowledgeable. They’re consistent and responsive, and the information given to customers is transparent and understandable.

One person notes that they could pay off their debts within three years using the service, which significantly improved their credit score. Another person reports that Century’s website is easy to navigate and provides transparent information about their account status.

However, BBB also lists some significant complaints against Century Debt Settlement from consumers who had extremely negative experiences.

Of particular concern is a customer who paid nearly $900 monthly for 15 months without seeing any settlement to her accounts with the program. The customer ended up being sued by one of her, and she had to hire an attorney to get her out of the mess. When she decided to cancel her program, Century informed her that she owed them $4K in settlement administration fees and refused to refund the balance in her account.

Another client accuses Century Debt Settlement of only settling accounts about to fall off the credit report, ensuring they maximize their company earnings. This customer noted they lost hundreds of dollars in fees from using the services and saved very little.

Finally, one client outright alleges that Century Debt Settlement is fraudulent. The customer is a single mom who stayed with the program for nearly three years, managing to pay off three accounts. However, despite her dedication to resolving her debts, she still has poor credit, and she’s paid excessive fees.

Here’s what Trustpilot has to say about Century

The Trustpilot reviews of Century are overwhelmingly positive. Of 1,586 reviews, the company has a 4.9/5.0 rating. Nearly 90% of customers rated the company 5 stars, while 7% gave the company a 4-star rating.

Most reviews commend Century’s friendly and knowledgeable customer service team.

Final thoughts on Century debt settlement

Before enrolling in a debt settlement program with Century Debt Settlement, it’s critical to understand the terms and conditions thoroughly. Many debt settlement companies charge high fees that can eat into the savings from debt settlement. Make sure you understand their fee structure before moving forward.

Based on the customer reviews we examined, Century Debt Settlement is legitimate, but clients shouldn’t expect to save thousands of dollars. The company also may delay your settlements, which could result in legal repercussions.

If you are facing a debt lawsuit, you can settle your debt quickly with SoloSettle.

Settle debt on your own with SoloSettle

Unlike traditional debt settlement companies, SoloSettle helps you take matters into your own hands and reach a debt settlement on your own.

SoloSettle, powered by SoloSuit, is a tech-based approach to debt settlement. Our software sends and receives settlement offers on your behalf so you don’t have to deal with creditors or debt collectors directly.

When you reach a debt settlement agreement, SoloSettle helps you manage the documentation of it and then transfers your settlement payment so your financial information is kept private and secure.

Plus, if you’ve been sued for debt, SoloSuit can help you fight the lawsuit while simultaneously working out a debt settlement. And, you don’t have to pay a cent until you’ve actually settle your debt.

These are just a few reasons that SoloSettle is different from other debt settlement services, including Century.

Let’s take a look at another example.

Example: Cameron is being sued by LVNV Funding for a credit card debt of $5,000. He uses SoloSuit to respond to the lawsuit, giving himself time to work out a settlement plan. Next, Cameron takes a close look at his finances and budget. He decides he has enough money to settle the debt for 70%, or $3,500. He uses SoloSettle to send his first offer, but Cameron starts even lower at 40% of the debt (or $2,000). After a few rounds of negotiations, LVNV Funding accepted an offer at 60%. Cameron only has to pay off $3,000 to clear his name of the debt. He ends up saving thousands, getting the case dismissed, and giving himself a financial refresh.


Check out this video to learn more about how SoloSettle can help you settle your debts once and for all:

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

Get Started

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.



Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.


We have answers

Join our community of over 40,000 people.


You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.


Get Started

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court

Not sued yet?

Use our Debt Validation Letter.


Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.


Let's Do It

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.


"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather



Get Started