At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
About Century Support Services
Century Support Services has been in the debt settlement business since 2003, making it one of the longest-operating firms in an industry where companies come and go with alarming regularity. Headquartered in North Huntingdon, Pennsylvania, the company has resolved over $1.5 billion in consumer debt across more than two decades of operation. That longevity matters because debt settlement is a business where trust is everything — you\'re handing over financial control for 2-4 years, and you need to know the company will still exist when your last account settles. Century holds an A+ rating with the BBB and maintains accreditation through IAPDA and AFCC. Their model is straightforward: you enroll unsecured debts, make monthly deposits into an FDIC-insured escrow account, and Century\'s negotiation team works your accounts. The company focuses primarily on consumer debt settlement — credit cards, medical bills, personal loans, and collections — with a particular strength in high-balance cases where the savings justify the process. What distinguishes Century from newer competitors is institutional knowledge. After 20+ years of negotiating with every major creditor in the country, their team knows exactly how each bank, credit card issuer, and collection agency operates. They know which creditors settle at 30% and which won\'t go below 50%. They know which creditors sue at the 6-month mark and which ones wait 18 months. That pattern recognition, built over hundreds of thousands of accounts, translates into more accurate projections and fewer surprises for clients. Fees run 15-25% of enrolled debt on a performance-only basis.
Key Features
20+ Years of Operations
Founded in 2003, Century has survived every industry shakeout, regulatory change, and economic cycle. Longevity in debt settlement is rare and meaningful.
A+ BBB Rating
Maintained an A+ BBB rating through two decades of operation — one of the few settlement companies to hold the top rating continuously for that long.
Deep Creditor Knowledge
After resolving \$1.5B+ in debt, Century's negotiation team has institutional knowledge of every major creditor's settlement patterns, timelines, and litigation triggers.
Performance-Based Fees
No fees until a debt is settled. Standard 15-25% of enrolled debt. No enrollment fees, no monthly maintenance fees, no hidden charges.
How It Works
Free Consultation
A debt specialist reviews your balances, income, and budget to determine if settlement is the right path and what you can realistically expect.
Custom Program Design
Century builds a program around your specific creditors and balances, using their 20+ years of creditor data to project timelines and savings ranges.
Escrow Deposits
Monthly deposits go into an FDIC-insured dedicated account. You control the account and can see your balance anytime.
Creditor Negotiations
Century's team negotiates with your creditors using two decades of relationship data and settlement patterns. Every offer requires your approval.
Debt Freedom
Accounts are resolved one by one until your program is complete. Century provides settlement documentation for tax preparation and records.
What They Do
- Debt Settlement
- Debt Negotiation
- Financial Guidance
- Creditor Communication Management
Debt Types They Take On
- Credit Cards
- Medical Bills
- Personal Loans
- Private Student Loans
- Store Cards
- Collections
- Lines of Credit
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
Six-Figure Credit Card Debt Resolved in 36 Months
A client enrolled \$112,000 across eight credit card accounts with interest rates from 19% to 28%. Century's team prioritized accounts by creditor settlement patterns — starting with issuers known to settle earliest. First settlement arrived at month 4 on a \$22,000 Citi balance settled for \$8,800 (60% reduction). The most stubborn account, an \$18,000 Discover balance, required 16 months but ultimately settled at 48%.
Medical and Credit Card Debt After Job Loss
Client lost their job and accumulated \$54,000 in combined medical bills (\$22,000) and credit card debt (\$32,000). Century enrolled all accounts and leveraged the documented hardship to push for deeper settlements. Medical providers settled quickly at 25-35 cents on the dollar. Credit card settlements averaged 42%.
Pros & Cons
Pros
- Two decades of continuous operation since 2003 — one of the longest track records in the debt settlement industry, which provides stability and institutional creditor knowledge
- A+ BBB rating maintained for over 20 years demonstrates consistent commitment to resolving complaints and maintaining business standards
- \$1.5B+ in resolved debt means Century's team has seen every creditor scenario, every negotiation tactic, and every edge case — projections are based on real data, not guesses
- Lower end of fee range (15-22% average) compared to attorney-led firms, making it more cost-effective for straightforward consumer debt cases
- FDIC-insured escrow with full client visibility — you see your balance, control your deposits, and approve every settlement before funds are released
Cons
- North Huntingdon, PA headquarters means most clients interact entirely remotely — no local offices in major metros for face-to-face meetings
- 68 CFPB complaints over 3 years is reasonable for their volume but higher than some smaller competitors with cleaner complaint records
- Primarily focused on consumer unsecured debt — business debt, MCAs, and commercial obligations are not their core competency
- Program timeline of 24-48 months is standard but not faster — clients looking for accelerated resolution may find quicker options at companies like Accredited Debt Relief
User Reviews (15)
20 years in business says it all
In an industry full of fly-by-night companies, Century has been doing this since 2003. That's not marketing — that's survival. They've outlasted hundreds of competitors. My trust was earned by their track record before I ever made a deposit.
solid but not flashy
No fancy app. No AI-powered dashboard. Just competent people who know what they're doing. I didn't need bells and whistles — I needed my $51k in debt gone. Century did that. Four stars because the experience felt a bit old school compared to newer companies but results are what matter.
$112k settled in 36 months
Eight credit cards. Six figures of debt. Felt insurmountable. Century laid out a 36-month plan and hit it almost exactly. Saved over $60k before fees. The projections they gave me in the consultation were within 5% of actual results. That kind of accuracy only comes from doing this for decades.
can't handle complex business debt
Went to Century for business loan debt. They said they primarily handle consumer debt and could maybe take my business credit cards but not the commercial loan. Had to find a different company for the business stuff. Wish they'd been clearer on their website about what they do and don't handle.
medical bills settled at 30 cents
$22k in hospital bills from an emergency surgery. Century settled them for about $6,600. Apparently medical providers are more motivated to take something than risk getting nothing. Century knew exactly how to approach each provider. This is what institutional knowledge looks like.
Discover took forever
Five accounts. Four settled within 14 months. Discover? Sixteen months of rejected offers before they finally accepted 48%. Century warned me upfront that Discover is the most stubborn major creditor. They were right. Appreciate the honesty but the wait was painful.
BBB A+ for 20 years is not easy
Maintaining A+ with the BBB for over two decades requires consistently resolving complaints. It's not a trophy you buy. I checked their BBB page — they respond to every complaint, usually within a week. That responsiveness convinced me.
fees are reasonable
Paid 20% on $54k which is $10,800. Sounds like a lot. But they saved me $22k net after fees. I'd pay $10k to save $22k every day of the week. The fee structure is fair — just make sure you understand the math before enrolling so there are no surprises.
graduated with more savings than projected
Enrolled $47k. Century projected 45-50% savings. Actual: 53%. They under-promised and over-delivered. In 28 months I was debt free with about $16k more in my pocket than if I'd paid minimums for the next 15 years.
complaint count is higher than some
68 CFPB complaints in 3 years. For their volume it's reasonable but companies like Accredited Debt Relief have only 85 complaints while resolving more debt. The ratio matters. My experience was fine — settled 3 accounts, fair fees, no issues. But the complaint data gave me pause before enrolling.
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Important Debt Settlement 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.
- Business debt settlement involves additional complexity including personal guarantees, UCC liens, and potential impact on business credit profiles. Consult with a licensed attorney before enrolling business debts in any settlement program.
- 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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