Century Negotiations, Inc., was founded by a co-founding member of the AFCC. The company specializes in debt settlement as a more viable option than credit counseling, debt consolidation, and bankruptcy. As their title suggests, they are one of the industry leaders in debt negotiations with over $600 million of debt resolved ($1 million a week) and 15 years of experience.



The Good

Century Negotiations, Inc. does not charge any upfront fee. The program at Century Negotiations is designed to free individuals from the constraints of debt by negotiating debt with the creditors. The company requires a minimum of $5,000 of unsecured debt from various sources such as credit cards, department store cards, and medical bills. The company offers a free consultation to help determine if a client can qualify for the services and if the needs of the client will be met. Additionally, a budget analysis is offered during the consultation to help potential clients get a feel for how affordable the plan will be. Fees are assessed on a case-by-case basis and typically fall somewhere between 18% and 25% of the total debt enrolled in the program. Clients will also be assigned a professionally trained negotiator who will try to reduce debts up to 50%. The company states that they aim to settle all debts enrolled in the program within 24 to 48 months.

Other pros include:

  • AFCC & IAPDA accredited
  • Free Consultation
  • $5,000 minimum to enroll

The Bad

Financial literacy depends greatly on education. Despite this fact, Century Negotiations does little to offer potential clients the resources and tools to build on their financial knowledge. Despite the fact that Century Negotiations does offer some educational resources to their current clients, we would like to see them offer those resources to the public. We would also like to see them update their blog for it is severely outdated with their last post being from May 2015.

  • Fees may reach 25% of total debt
  • No mention of a money back guarantee
  • Only available in 25 states

The Bottom Line

Century Negotiations, Inc., seems like a solid company with reasonable rates at first glance. They are accredited with the AFCC and IAPDA, and they offer professional and knowledgeable help. In all, we recommend finding a company that has a money back guarantee, lower fees, and is available in your state.

Contact Information Website: centuryni.com Email: customercare@centuryNI.com Phone: 724-978-7025 Hours: Monday – Thursday: 9am – 6pm EST Friday: 9am – 5pm EST Address: 1061 Main Street Suite 19 Banco Park North Huntingdon, PA 15642