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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 also offers a free assessment that can allow you to speak to a debt specialist, explore your options, and find out if its program is right for you.

Century Support Services Review
Century Support Services
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Diverse service offering
Diverse service offering
Free tax relief consultation
Free tax relief consultation
Low minimum debt requirement
Low minimum debt requirement
Trustworthiness and stability
Trustworthiness and stability
Anna Baluch
Written by:Anna Baluch
Personal Finance Writer

Based in Pennsylvania, Century Support Services strives to “help clients resolve their debt in the shortest time possible so they can enjoy the quality of life they deserve.” It partners with third party service providers who negotiate debt on behalf of its clients.

Not only was Century Support Services ranked as a “Best Debt Settlement Company” by Forbes Advisor two years in a row, it’s also earned many positive reviews from current and former clients. If you’re looking for a reputable debt settlement provider, Century Support Services is worth exploring.

Editor’s Note (Warning)

Also known as debt relief or debt adjusting companies, debt settlement companies, like Century Support Services might help you settle or reduce your debt. But sometimes, their risks outweigh their benefits.

If you pursue a debt settlement program, there is no guarantee that the company will be able to negotiate all of your debts successfully. In fact, some creditors don’t accept negotiations at all. Also, if you stop making debt payments, you might be on the hook for late fees or interest charges that can increase your debt burden by hundreds or even thousands of dollars. You may even put yourself at risk for lawsuits by creditors or debt collectors.

Plus, you’ll likely be charged fees, even if your entire debt isn’t settled. In addition, debt settlement can lead to delinquent accounts on your credit reports and take a toll on your credit for seven years. 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.

Century Support Services Pros and Cons

Century Support Services Pros
Free assessment
Simple, transparent program
No upfront fees
Online resources: including blog articles, a calculator, and an online portal.
Creditor harassment protection
Century Support Services Cons
Limited availability: only available in 30 states
Support Services’s sole offering is debt settlement services

Types of Debt Covered By Century Support Services

Century Support Services specializes in unsecured debt, which isn’t tied to collateral or a valuable asset you own, 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, which can quickly steer you into the cycle of debt. Century Support Services can negotiate with credit card companies for less credit card debt than you owe.
  • Personal loan debt: Personal loans are flexible as they 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.
  • Unpaid medical bill debt: The reality is that health insurance rarely covers everything. No matter what policy you have, there’s a good chance you’ll have to pay out-of-pocket for doctorvisits, 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 easily become unmanageable. If your student loans are in default, Century Support Service can come in and try to settle them.

Services Offered By Century Support Services

  • Breadth of Services 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. But the good news is they do offer a free assessment that can give you an idea of whether its debt settlement offering is worthwhile.
  • Extent of Geographic Presence: When it comes to availability, Century Support Services only serves clients in 30 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. Your debt can come from credit cards, personal loans, payday loans, student loans, and medical bills
  • Average Time for Relief: According to the company’s website, 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 so that you understand what’s realistic.
Breadth of services offering Debt settlement
Extent of Geographic Presence 30 states
Minimum Debt Required $10,000
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, depending on the amount of debt you have when you sign up for the program.
  • Cancellation Policy- At some point in time, you might want to terminate debt settlement services with Century Support Services. 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 promote a guarantee that states 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 None
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 Customer Experience

  • Website Extensiveness & 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 far more comprehensive than the sites of other debt relief companies.
  • Expanded Call Center Support - You can call Century Support Services at 855-417-6648 during the week to speak to a debt specialist. Its business hours are Monday through Friday from 9:00 am to 8:00 pm EST.
  • Multi-channel Support - In addition to phone support, Century Support Services may assist you through online chat, email, or an online contact form. You can also browse its online resources for more details about its program and what you can expect.
  • Supplemental Support (Information & 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 with debt settlement.
  • 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 - Headquartered in Pennsylvania and founded in 2012, Century Support Services has been in business for 10 years.
  • Customers Serviced / Debt Managed - To date, Century Support Services has served more than $255K customers and settled over $1.6 billion dollars in debt.
  • Certifications/Accreditations/Memberships - Century Support Services proves its commitment to debt relief through its membership 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 10 years
Customers Serviced / Debt Managed 255K+ customers/ $1.6 billion debt settled
Certifications/Accreditations/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 4.8 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 New Era Debt Solutions Freedom Debt Relief
Minimum debt required $10,000 Not disclosed $7,500
Fees 18% to 25% of enrolled debts 14% to 23% of enrolled debts 15% to 25% of settled debts
Cancellation Policy Not disclosed Not disclosed Can cancel at any time without penalty
Money Back Guarantee Policy Not disclosed Yes Not disclosed
Average Relief Amount Not disclosed An average of 52.23% on enrolled debt amounts Not disclosed

Final Thoughts

Century Support Services makes its commitment to its clients clear through its robust website, transparency, and simple program. If you’re in the market for a reputable debt settlement company, you might want to participate in the free assessment on the company’s website. By doing so, you can 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.

Anna Baluch

Anna Baluch

Personal Finance Writer

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

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