Century Support Services Review

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Century Support Services

Century Support Services

overall rating
3.0

Our Take 

Century Support Services is a solid choice if you need help settling more than $10,000 in credit card debt. Not only does it have active accreditation with two leading industry associations, but it offers good customer service options and it’s clear where in the U.S. its services are available.

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
Pros
  • Live chat available

  • Client dashboard allows you to monitor your progress 24/7

  • Website offers helpful financial resources and tools

Cons
  • Support isn’t available on the weekend

  • Difficult to figure out the company’s typical fees

  • Need $10,000 or more in credit card debt to qualify

Key Takeaways
  • The company has helped people settle more than $1.3 billion in debt since its founding.
  • It’s easy to tell if Century Support Services offers services in your area due to an interactive service map on its website.
  • You’ll get a free consultation with an IAPDA-certified debt advisor.
  • It’s unclear whether the company can help you settle debt other than credit cards (e.g., medical bills or payday loans). 
Specifications
  • Year Founded 2012
  • Types of Debt Relief Credit cards
  • Fees 18% to 25% of total enrolled debt
  • Average Repayment Period 24 to 48 months
  • Accreditations AFCC and IAPDA
  • Minimum Debt $10,000
  • Official Website www.centuryss.com

Introduction

Century Support Services is a debt relief company that focuses on credit card debt settlement. If you sign up for Century Support Services’ program, the company will try to get your creditors to agree to settlements that are less than the amount you owe. Once a settlement arrangement has been reached, you’ll pay the agreed-upon amount to your creditors and a fee of 18% to 25% of your total enrolled debt. As required by law, you won’t pay any upfront fees.

There’s no guarantee that your creditors will agree to a settlement, and your credit may be severely impacted for up to seven years. As such, debt settlement should only be pursued after you’ve tried all other debt relief options.


Read on to learn more about the debt settlement program offered by Credit Support Services.

Company Overview

Century Support Services was founded in 2012 and is headquartered in North Huntingdon, PA. Its team has experience serving debt relief clients dating back to 2003, well before its founding date. The company helps people negotiate settlements on credit card debt. With this in mind, Century Support Services has helped 250,000 customers settle more than $1.3 billion in debt. 

The company is an accredited member of the American Fair Credit Council (AFCC), one of the most well-regarded professional associations in the debt relief industry. It’s also a silver accredited service center with the International Association of Professional Debt Arbitrators (IAPDA), meaning the company employs at least 10 to 24 IAPDA-certified debt advisors.  

Century Support Services offers debt settlement services to people located in most areas of the United States, with a service area covering 32 states. 

Our review didn’t reveal any recent government legal actions against Century Support Services at the state or federal level.

Debt Relief Options

To enroll in the debt relief program offered by Century Support Services, you’ll need to have more than $10,000 in credit card debt and your debt will need to be causing you some type of stress (e.g., you can’t make the payments due to life events such as a divorce or job loss).

In addition to credit cards, most other debt settlement companies also support other types of unsecured loans such as medical bills, personal loans, private student loans, collection accounts, and some business loans. It’s unclear if Century Support Services can help with any of these types of unsecured debts.

As is standard for debt relief companies, Credit Support Services can’t help negotiate loans secured by collateral like mortgages or auto loans.

Fees

Although Century Support Services doesn’t explicitly disclose its typical range of fees, you can expect to pay fees ranging from 18% to 25% of the total debt enrolled in the program, which is within industry standards. This is because the company says clients who finish the program typically pay 50% of their enrolled balance before fees and 68% to 75% with fees (i.e., 18% to 25% of total enrolled debt). 

You won’t pay any upfront fees to Century Support Services. Rather, you’ll only pay a fee after the company has successfully negotiated a debt with one of your creditors, you’ve authorized the settlement agreement, and you’ve sent your first payment to the creditor. This type of performance-based fee structure is typical for the debt settlement industry. 

Debt settlement companies are prohibited by law from charging upfront fees for their services. Avoid any company that tries to do this.


The amount of time it takes to complete the debt settlement program with Century Support Services will vary depending on your situation. It usually takes clients 24 to 48 months to finish settling their debts when they enroll in Century Support Services’ program. 

Customer Service: Live Chat Is an Option

If you need support, Century Support Services is open on weekdays (Monday through Friday) between 9:00 a.m. and 8:00 p.m. ET. You can speak with someone on the phone by calling 1-888-913-8784. You can also speak with an agent via live chat during the company’s normal business hours. 

If you would prefer to have someone from the company contact you, Century Support Services has an online form to submit your question or you can send an email to customercare@centuryss.com.

The biggest drawback to the customer service options offered by Century Support Services is its lack of weekend hours. The best debt relief companies usually offer support on at least one weekend day. 

Customer Satisfaction: People Who Complete the Program Are Satisfied

We evaluated a variety of sources to understand what it’s like to work with Century Support Services. Overall, most people seem satisfied with the level of service provided by the company. Positive reviewers praised the level of communication provided by Century Support Services. Plus, many reviewers said the company helped them successfully resolve their debt issues.

Many of the negative reviewers complained that they weren’t able to resolve their debt issues even though they were in the program for a long time. Plus, several reviewers were upset that they had to pay Century Support Services even though they didn’t complete the program. After reviewing responses provided by Century Support Services, it looks like many of these reviewers quit the program early or stopped making their agreed-upon payments. 

Once settlements have been negotiated and you start making payments, you’re responsible for paying the fee to your debt relief provider even if you don’t satisfy the settlement agreements with your creditors.

Account Management

When you sign up for Century Support Services’ debt settlement program, you’ll be given access to a client dashboard. You can log in to this portal 24 hours a day, seven days a week to review your progress, authorize settlements negotiated on your behalf, and more. 

Besides logging in to your client dashboard, if you need one-on-one support with managing your account, you can give the company a call during its normal business hours. You can also send an email and someone from the company will reach out to you as soon as possible. 

Other Features

Before you sign up for services with Century Support Services, you’ll get a free consultation with an IAPDA-certified debt specialist. The debt specialist will review your financial situation and help you build a customized debt settlement program. Free consultations such as these are common since debt relief companies aren’t allowed to charge upfront fees.

The only debt relief program offered by Century Support Services is its debt settlement program. It doesn’t offer other types of debt relief (e.g., debt consolidation loans). Even so, it has a robust resource center that includes resources and articles on various debt settlement topics. For example, you can learn about budgeting, how to teach your kids about finances, and more. 

Century Support Services also has two helpful lists of frequently asked questions: one for new clients and another for existing clients. Plus, it has an interactive calculator you can use to figure out how long it will take you to get out of debt using debt settlement versus other debt-relief options (debt consolidation or credit counseling) as well as an interactive map so you can find out if you’re located within its service area. 

How Century Support Services Compares to Other Debt Relief Companies

A competitor to Century Support Services that also helps people negotiate settlements on credit card debt is Progressive Debt Relief. While Century Support Services focuses on helping those with large credit card balances resolve their debt issues, Progressive Debt Relief also supports a wide variety of other unsecured debt such as medical bills and payday loans. 

Consider these other major differences between Century Support Services and Progressive Debt Relief:

  • Although Century Support Services doesn’t explicitly disclose the typical fees charged for its services, the other information it provides makes it possible to estimate that its customers pay between 18% to 25% of total enrolled debt on average. 
  • Progressive Debt Relief doesn’t disclose its typical fees or the average fee its clients pay although it says that it’s committed to charging fees at the low end of the industry average.
  • You need to have more than $10,000 in credit card debt to enroll in the debt relief program offered by Century Support Services.
  • Progressive Debt Relief doesn’t disclose whether it has any minimum debt requirements.
  • Both the AFCC and the IAPDA accredit Century Support Services.
  • Progressive Debt Relief doesn’t have any debt relief industry accreditations.

Overall, you would be better off choosing Century Support Services over Progressive Debt Relief, particularly if you have more than $10,000 in credit card debt. Not only is Century Support Services more transparent than Progressive Debt Relief, but it’s also accredited by the two most well-known professional associations supporting the debt relief industry.

  Century Support Services Progressive Debt Relief
Year Founded 2012 2005
Debt Relief Types Credit cards Unsecured debt (e.g., payday loans, credit cards, medical bills)
Fees 18% to 25% of total enrolled debt Not disclosed
Minimum Debt $10,000 Not disclosed
Accreditations AFCC and IAPDA None
Final Verdict

Century Support Services is a relatively new debt relief provider, founded in 2012. Even so, it’s already helped 250,000 clients settle more than $1.3 billion in debt. Plus, it holds active accreditations with both the AFCC and the IAPDA, the two leading professional associations serving the debt relief industry. 

Although the company isn’t explicit about its fees, the information it discloses about the average savings its clients experience makes it possible to determine that its fees are 18% to 25% of total enrolled debt (within the industry average). The company does disclose where it does business and offers other features to help its clients, but it’s not entirely clear what other types of debts it helps with beyond credit card debt.

If you have more than $10,000 in credit card debt, Century Support Services is a solid debt settlement provider.

Methodology 

All of our reviews of debt relief companies are based on extensive research and analysis of each company's offerings, customer service, pricing, years in business, accreditation, and more. To rate Century Support Services and other providers, we developed a debt relief review methodology that compares the debt relief options offered, additional features, fees, success rates, and reported customer experiences to help us provide insights into things like customer service and the strength of each company’s offerings.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. AFCC - American Fair Credit Council. "Century Support Services." Accessed May 2, 2021.

  2. IAPDA Certification. "IAPDA Accredited Service Centers." Accessed May 2, 2021.