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Century Support Services Review

Century Support Services is an accredited debt relief company with a robust, resource-rich website. The company offers a free assessment that allows you to speak to a debt specialist, explore your options, and find out if this program is right for you.

Century Support Services Review
Century Support Services
Diverse service offering
Accredited member of AFCC and IAPDA
Free tax relief consultation
Available in 30 states
Low minimum debt requirement
Must have at least $10,000 worth of eligible debt
Trustworthiness and stability
Must be several months behind on payments
Anna Baluch
Written by:Anna Baluch
Personal Finance Writer

Reviewed by: Carrie Pallardy, Freelance Writer and Editor

Fact Checked by: Thomas Brock, Chartered Financial Analyst (CFA) and a Certified Public Accountant (CPA)

Century Support Services  partners with third-party service providers who negotiate debt on behalf of its clients. The debt relief company has worked with more than 200,000 clients and resolved more than $1.7 billion in debt. Century Support Services may be a good option for people looking to resolve unsecured debt, such as credit card debt, personal loan debt, and medical debt. The company is a reputable debt settlement option, and it has received many positive reviews from its clients. 

Editor’s Note (Warning) 

Debt settlement companies, like Century Support Services, might help you settle your debt, but there are risks to consider. 

  • There is no guarantee of successful negotiation. 
  • You are at risk of more late fees and interest.
  • You are at risk of lawsuits from creditors and debt collectors. 
  • Your credit may be harmed.

If you’d like to avoid the risks of debt settlement, you may want to negotiate with your creditors on your own. You can also explore other alternatives, like balance transfer credit cards, nonprofit credit counseling, and bankruptcy. 

Summarized Rating

This parameter considers service offering breadth, geographic reach, and minimum debt level requirements. Each of these features was evaluated using the five-point scoring system. Then, the various scores were aggregated and averaged to establish an overall services and solutions score.

Century gets an above average 3.7 for Services and Solutions. This reflects its fairly standard service offering and minimum debt requirement, along with an expansive geographic footprint.

What is Century Support Services?

Century Support Services, based in North Huntingdon, Pennsylvania, is a debt settlement company. The company was founded in 2003. It helps its clients settle their unsecured debt. The company’s certified debt specialists provide you a free financial assessment and build a personalized debt relief program. Its services are available in all but seven states. 

Century Support Services Pros and Cons 

Century Support Services Pros
Free assessment:  Century Support Services offers prospective clients a free assessment. c debt specialist will help you learn more about the program and determine if it’s right for you.
Simple, transparent program: Century Support Services advertises a clear, three-step debt settlement program.
No upfront fees: Unlike some other debt settlement companies who charge upfront fees, Century Support Services’ fees come into play only after your debt has been settled through the program.
Online resources: The Century Support Services website has resources like  blog articles, a calculator, and an online portal.
Creditor harassment protection: Century Support Services has partnered with the United Consumer Advocacy Network (UCAN), a consumer advocacy company, to protect its clients from stressful debt collection calls.
Century Support Services Cons
Availability: Century Support Services does not currently service Wyoming, Oregon, North Dakota, West Virginia, Vermont, Rhode Island, and Hawaii. 
Only one service: Century Support Services’s sole offering is debt settlement services. The company does not offer credit counseling, tax relief, and other related services.

Types of Debt Covered By Century Support Services 

Century Support Services specializes in unsecured debt, which isn’t tied to collateral, like a house or car. The most common types of debt it can help you with include:

  • Credit card debt: Credit card debt is the most common type of unsecured debt. If you fail to pay your credit card balances in full every month, you’ll face interest fees. Century Support Services can negotiate with credit card companies to lower your debt.
  • Personal loan debt: Personal loans can be used to cover just about any expense, like home improvements, medical bills, car repairs, and even vacations. But they often come with high interest rates and fees, especially if you don’t have the best credit. If you have personal loan debt, Century Support Services might be able to alleviate some or all of it.
  • Medical bill debt: Health insurance rarely covers everything. No matter what policy you have, there’s a good chance you’ll have to pay out-of-pocket expenses for doctor visits, tests, and procedures. If you’ve racked up debt from unpaid medical bills, Century Support Services can improve your situation through negotiations with hospitals and other healthcare providers. 
  • Student loan debt: While federal student loans usually offer lower interest rates and more favorable repayment terms than private student loans, all student loan debt can become unmanageable. If your student loans are in default, Century Support Service can come in and try to settle them.

Century Support Service Features

  • Breadth of service offering: Century Support Services focuses on debt settlement programs. Therefore, you can’t rely on the company for other services like debt consolidation, credit counseling, and tax debt relief. They do offer a free assessment that can give you an idea of whether its debt settlement offering is worthwhile.
  • Geographic presence: Century Support Services serves clients in all but seven states. You might have to explore other debt settlement options if you’re out of its service area.
  • Minimum debt: To qualify for a debt settlement program through Century Support Services, you’ll need at least $10,000 in unsecured debts. 
  • Average time for relief: It takes about 24 to 48 months to complete a debt settlement program. This time frame is standard in the industry. 
  • Average relief amount: Century Support Services does not disclose its average debt relief amount. You might want to inquire about it during a free assessment to get and idea of what to expect. 

    Breadth of services offering

    Debt settlement 

    Extent of Geographic Presence

    43 states

    Minimum Debt Required


    Average Time for Relief

    24 to 48 months

    Average Relief Amount

    Not disclosed 

Century Support Services Costs and Fees 

  • Fees: Century Support Services doesn’t charge any upfront fees. But you will pay a settlement fee of anywhere from 18% to 25% of your enrolled debt.
  • Cancellation policy: Unfortunately, the company is unclear about its cancellation policy and whether you’ll face any penalties if you stop working with them. 
  • Money back guarantee policy: Some debt settlement companies offer a guarantee that you won’t be charged unless your debt is settled. There is no information about a money back guarantee on the Century Support Services website so it’s unlikely that there is one. You might want to ask about it during a free assessment. 

    Upfront fees


    Settlement/performance Fees

    18% to 25% of enrolled debts

    Other fees

    Not disclosed 

    Cancellation policy

    Not disclosed 

    Money back guarantee policy

    Not disclosed 

Century Support Services Application Process

1. Get started with Century Support Services by clicking the “Start My Free Assessment” button. You will be asked to fill out information including:

  • Your first and last name
  • Your email 
  • Your phone number
  • Your state and zip code
  • An estimate of how much debt you owe

During this first step, you will also be asked:

  • How late you are on your payments
  • The best times to call you
  • How you heard about Century Support Services

You also have the option to include a message.

2. Once you submit this information, a certified debt specialist will perform an evaluation and reach out to you to schedule a phone call. 

3. During this phone call, you will talk with a Century Support Services staff member about the debt relief program and whether it is a fit for you. 

4. If you decide the program is a fit, you can enroll and get started. 

Century Support Services Customer Experience 

  • Website Extensiveness and usability: Century Support Services excels in the website department. Its site is easy to navigate and loaded with information about the debt settlement program. It also allows you to book a free assessment, read client stories and company news, explore blog articles, and more. Its website is more comprehensive than the sites of some other debt relief companies.
  • Expanded call center support: You can call Century Support Services at 855-417-6648 Monday through Friday from 9:00 am to 8:00 pm EST.
  • Multi-channel support: In addition to phone support, Century Support Services can assist you through online chat, email, or an online contact form. You can also browse its online resources for more details about its program. 
  • Supplemental support (information and tools): Century Support Services goes above and beyond with extra support tools. Its website features a comprehensive frequently asked questions page; blog articles in categories like auto and travel, motivate your mind, and smart money; and a debt settlement calculator to help you figure out how much you may be able to save. 
  • Mobile technology: In conjunction with Crossroads Financial Technologies, Century Support Services developed a mobile app you can use to manage your debt settlement program on the go. The app includes a program summary, push notifications, in-app settlement approvals, and secure document uploads.

Century Support Services Trustworthiness and Stability 

  • Years in business: -Founded in 2012, Century Support Services has been in business for 10 years. 
  • Customers serviced and ebt managed: To date, Century Support Services has served more than 259,000  customers and settled over $1.7 billion dollars in debt. 
  • Certifications,accreditations, and memberships: Century Support Services is a member of the American Fair Credit Council (AFCC), the largest trade association for the debt settlement industry. Also, its debt specialists have been accredited by the International Association of Professional Debt Arbitrators (IAPDA).

    Years in business


    Customers serviced and debt managed

    259,000+  customers served and $1.7 billion in debt settled 

    Certifications,accreditations, and memberships

    American Fair Credit Council (AFCC), International Association of Professional Debt Arbitrators (IAPDA)

Century Support Services User Reviews

Century Support Services is an accredited business on the Better Business Bureau (BBB) with an A+ rating. There are plenty of positive reviews that praise the company’s knowledgeable, understanding debt specialists. Many reviewers also appreciate the fact that there are no upfront fees and a lot of transparency with the program. The negative remarks reveal that it takes a long time to see progress so you’ll have to be patient if you do choose to go with Century Support Services.

On TrustPilot, Century Support Services earned 4.9 out of 5 stars. The reviews revolve around the quality and attentiveness of the debt specialists. A few of them, however, state that the company is unable to negotiate with certain credit card issuers like American Express and Chase so it might be worth it to negotiate with them on your own.

Century Support Services received 4.6 on a 5-star scale on Consumer Affairs. Most of the reviews explain that while the debt settlement program is effective, it takes more time than you might want to settle your debts and move forward with your life.

Century Support Services Compared to Other Companies

Century Support Services has a higher amount of minimum debt required when compared to some other debt relief companies, and it does not disclose some commonly offered information, such as the average relief amount. See how Century Support Services stacks up against two other debt relief companies. 

Century Support Services

New Era Debt Solutions

Freedom Debt Relief

Minimum debt required


Not disclosed 



18% to 25% of enrolled debts

14% to 23% of enrolled debts

18% to 25% of settled debts

Cancellation Policy

Not disclosed 

Not disclosed 

Can cancel at any time without penalty

Money Back Guarantee Policy

Not disclosed 



Average Relief Amount

Not disclosed 

52.23% on enrolled debt amounts

20% to 35% after fees

Final Thoughts

Century Support Services makes its commitment to its clients clear through its robust website, transparency, and simple program. You might want to participate in the free assessment to get a better idea of what to expect and receive answers to any questions you may have. Since there’s no obligation to pursue the program after the assessment, you have nothing to lose. If you do decide to work with Century Support Services, it is a reputable debt settlement company. 

Anna Baluch

Written by: Anna Baluch

Personal Finance Writer

Freelance copywriter who enjoys writing for large publications as well as startups, small to medium sized businesses.

More about me
Carrie Pallardy

Reviewed by: Carrie Pallardy

Freelance Writer and Editor

Carrie Pallardy has six years of experienceas as a dedicated freelance writer and editor. She covers a wide variety of topics, including personal finance, insurance, and cybersecurity. Carrie has written for Investopedia, Policygenius, and more.

More about me
Thomas Brock

Fact checked by: Thomas Brock

Chartered Financial Analyst (CFA) and a Certified Public Accountant (CPA)

Thomas is a well-rounded financial professional, with over 20 years of experience in investments, corporate finance, and accounting. He currently oversees the investment operation for a $4 billion super-regional insurance carrier, maintaining a dynamic investment policy designed to preserve capital, enhance...

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