At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
About Century Support
Century Support is a Salt Lake City-based debt settlement firm that has quietly resolved over $200 million in consumer debt since 2012 while maintaining one of the most competitive fee structures in the industry at 15-22%. In an industry where the standard ceiling is 25%, Century Support's lower maximum saves clients meaningful money on larger balances. On a $40,000 enrollment, the difference between 22% and 25% fees is $1,200 — roughly three months of escrow deposits for many clients. The company's distinguishing feature is its emphasis on financial education as a core service component rather than a marketing afterthought. Century Support includes structured financial literacy programming — webinars, budgeting coaching, credit management guides, and one-on-one sessions — with every enrollment. The practical motivation is sound: debt settlement addresses the immediate crisis, but without behavioral change, the same spending patterns that created the debt will reassert themselves within a few years. Century Support's education focus targets the recidivism problem that the settlement industry generally ignores. Century Support is a small operation (25-50 employees) with limited geographic reach (30+ states), primarily serving clients in the western United States. Their $200M+ total resolved volume is modest compared to national firms, and their 1,500+ reviews provide a limited data sample. However, their 15 CFPB complaints over three years and A BBB rating (one step below A+) indicate clean operations. The $7,500 minimum is standard. Century Support is best suited for budget-conscious consumers who want lower fees, value financial education, and are willing to work with a smaller firm that may lack the creditor relationships and technology platforms of larger competitors.
Key Features
Financial Education Focus
Actual financial literacy programming — webinars, coaching, budgeting help — included with enrollment. Not a PDF they email you and forget about.
Affordable Programs
Fees cap at 22% instead of the industry standard 25%. On a \$40,000 enrollment, that 3-point difference saves you \$1,200.
Client Education Resources
Webinars, one-on-one coaching, and guides that address why you got into debt — not just how to get out of it.
How It Works
Free Consultation
No-obligation review of your debts and financial situation.
Education & Enrollment
Financial education session followed by enrollment in your customized program.
Monthly Deposits
Affordable monthly deposits into your dedicated escrow account.
Negotiation
Settlement negotiators work with your creditors to reduce balances.
Resolution & Graduation
Debts settled, program completed, with ongoing access to financial education tools.
What They Do
- Debt Settlement
- Financial Education
- Budgeting Coaching
- Credit Counseling
Debt Types They Take On
- Credit Cards
- Medical Bills
- Personal Loans
- Store Cards
- Collections
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
Fixed-Income Retiree with Minimal Budget
Client on Social Security income of \$1,800/month enrolled \$32,000 across 4 credit card accounts. Century Support designed a program with \$350 monthly deposits — the lowest amount that would build escrow fast enough to make credible settlement offers. The financial education component helped the client identify \$200/month in discretionary spending to redirect. First settlement: a \$10,500 Discover balance settled for \$3,675 (65% off) at month 7.
Young Professional with Education Debt Mindset Change
A 31-year-old client enrolled \$22,000 in credit card debt from lifestyle spending. Century Support's financial education program identified the root cause: no budget, no emergency fund, and subscription creep totaling \$480/month. The client eliminated \$320/month in unnecessary subscriptions and redirected it to escrow, accelerating the program timeline. Simultaneously, the education program helped the client open a savings account for the first time.
Pros & Cons
Pros
- Fee ceiling of 22% is 3 percentage points below the industry standard 25% — on a \$50,000 enrollment, this saves \$1,500 in fees compared to a company charging the maximum
- Structured financial education (webinars, coaching, budgeting tools) addresses the root behavioral causes of debt, not just the immediate balance — reducing the risk of debt recurrence after graduation
- 15 CFPB complaints in 3 years and an A BBB rating indicate clean operations despite the company's relatively small size and limited resources
- Programs designed for tight budgets with low minimum monthly deposits, making settlement accessible to fixed-income retirees and low-income consumers who larger firms might decline
- \$7,500 minimum enrollment keeps the service accessible to consumers with moderate debt levels where some competitors require \$10,000+
Cons
- Only 30+ states served and 25-50 employees make this one of the smallest and most geographically limited firms in our review — capacity constraints are real, not theoretical
- \$200M+ total resolved is a fraction of industry leaders, meaning fewer established creditor relationships and potentially less negotiating leverage with large issuers like Amex or Chase
- 1,500+ total reviews is a thin data sample — with limited reviews, it is harder to assess consistency of outcomes across different debt profiles and creditor mixes
- A BBB rating (not A+) and lack of AFCC accreditation place Century Support below top-tier firms on regulatory credentials — the A rating suggests minor complaint resolution gaps
User Reviews (9)
lowest fees I found
15% in my state. Every other company was 18-22%. Service was basic but the settlement rates were similar so the lower fee just means more money in my pocket.
Salt Lake City office is legit
Verified the office exists. Small team but professional. Shoutout to my account manager Chris who was competent if not flashy. Settled in 24 months. Low fees make up for the basic service.
good for people watching every dollar
Got 16% fees. NDR would have been 20%. Same creditors similar rates but a few thousand more staying with me. When you're already broke that matters.
NINE MONTHS before first settlement
Most companies do it in 4-7 months. Century Support: month 9. NINE months of deposits and credit damage and collection calls with zero results zero settlements zero anything. The lower fees do NOT compensate for the extra months of credit damage and stress and sleepless nights. Do the math on that.
you get what you pay for
No app no dashboard just a phone number and email. Updates came when I asked. If you want hand-holding go to Beyond Finance. If you want the cheapest path this works.
meh
meh
never heard of them before
The whole 30 months I was slightly anxious something could go wrong with a company nobody's heard of. Nothing did. But I couldn't find reviews anywhere to validate my choice. That uncertainty is its own kind of cost.
cheap for a reason
Low fees low service. No technology. Minimal communication. Longer timelines. You save on fees but pay for it in anxiety and wasted time. For an extra 2-3% NDR gives you a completely different experience. I wish I'd just paid the extra.
I had to chase THEM for updates
Called biweekly because they never proactively reached out. Over 28 months that's 56+ calls I shouldn't have had to make. When I got someone they were helpful but come on. Call your clients.
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Frequently Asked Questions
Related Companies
Important Debt Relief Disclaimers
- Debt settlement programs may negatively affect your credit score. When you enroll, you typically stop making payments to creditors, which results in late payments, collections, and potential charge-offs on your credit report.
- There is no guarantee that a debt settlement company can settle all of your debts or reduce them by a specific amount. Creditors are not required to negotiate or accept settlement offers.
- Debt settlement fees are typically 15%-25% of the enrolled debt amount. You should not pay fees before a debt has been successfully settled. The FTC prohibits debt settlement companies from charging upfront fees before settling at least one debt.
- Forgiven debt of $600 or more may be considered taxable income by the IRS. You may receive a Form 1099-C from creditors for canceled debt. Consult a tax professional about potential tax consequences.
- Creditors may continue collection efforts, including lawsuits, wage garnishment, and bank levies, while you are enrolled in a debt settlement program. A debt settlement company cannot guarantee protection from legal action.
- Alternatives to debt settlement include debt consolidation loans, credit counseling through nonprofit agencies, debt management plans, and bankruptcy. Consider all options and consult with a licensed financial advisor or attorney before enrolling in any debt relief program.
- Zogby does not provide debt relief services. We are an independent comparison service. We do not negotiate with creditors on your behalf or manage debt settlement accounts.
This page is informational, not financial or legal advice. Talk to a qualified professional before making any big money decisions.
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