At a Glance
Rating Breakdown
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 anywhere - 15% in my state
Century Support quoted me 15% on $44k enrollment ($6,600). Every other company was 18-22%. That's $1,320-$3,080 in fee savings. The service was adequate - not premium - but when the settlements are similar (averaged 45%) the lower fee translates directly to more money in my pocket. $44k enrolled, total savings after fees: $17,820.
based in salt lake city with a professional operation
Verified their Salt Lake City office exists and is legit. Small to mid-sized team but professional. My account manager was competent if not spectacular. $26k enrolled and settled in 24 months. Communication was biweekly updates via email. Nothing fancy but adequate. The low fees compensate for the average-tier service experience.
best option for cost-conscious consumers
If you're doing debt settlement, every dollar counts. Century Support's 15-22% fee range starts lower than most competitors. My $31k at 16% = $4,960 in fees. NDR would have been $6,200 at 20%. Same creditors, similar settlement rates, $1,240 more in my pocket. For people already stretched thin, that difference matters.
first settlement at month 9 - way too slow
Most companies get first settlement in 4-7 months. Century Support: month 9. Nine months of deposits, credit damage, and collection calls with zero results. The lower fees don't compensate for the extended timeline if you factor in the cost of additional months of credit damage and stress.
you get what you pay for - low fees but basic service
Century Support charges less but the experience is no-frills. No app, no dashboard, just a phone number and email. Updates came when I asked for them. Settlements were good ($35k enrolled, 44% average). If you want hand-holding and technology, pay more and go to Beyond Finance. If you want the cheapest path to settlement, Century Support delivers.
surprisingly good results for a lesser-known company
Never heard of Century Support before researching online. Glad I found them. $38k enrolled, settled at 43% average over 28 months. Fees at 17% ($6,460). Net savings: $15,300. The results matched or beat what bigger companies promised. Brand recognition isn't everything.
never heard of them before - made me nervous the whole time
Century Support doesn't have the brand recognition of NDR or FDR. Throughout my 30-month program I was slightly anxious that something could go wrong with a lesser-known company. Nothing did - $29k settled at 45% average. But the lack of brand awareness meant I couldn't easily find independent reviews to validate my choice. That uncertainty is a cost.
cheapest option is cheapest for a reason
Low fees, low service level. No technology platform, minimal proactive communication, longer timelines than competitors. My $20k settled at 47% which is fine but the experience was stressful because I never knew what was happening. You save money on fees but pay for it in anxiety and time. For an extra 2-3% in fees, NDR provides a dramatically better experience.
had to chase them for updates constantly
Called biweekly to get status updates because they rarely proactively reached out. When I got someone they were helpful but the fact that I had to initiate every contact was tiring. Over a 28-month program that's 56+ calls I shouldn't have had to make. Settlements were fine (46% average on $22k) but the communication was below industry standard.
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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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