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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:

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