Century Negotiations, Inc., was founded by a co-founding member of the AFCC. They claim to be one of the industry leaders in debt negotiations, but there are conflicting reports concerning this and there are a number of complaints and bad reviews out there.
In this guide we will take a closer look at Century Negotiations, Inc to find out what they can offer debtors like yourself and see if they can match-up to the many other debt settlement companies in this sector.
About Century Negotiations, Inc
There isn't a great deal of information out there about Century Negotiations, Inc., It's not the easiest company to research and the information that does exist on them doesn't seem to be that positive. This is worth keeping in mind if you are contemplating signing up for Century Negotiations' services.
- Address: 1061 Main St Ste 19, N Huntingdon, PA 15642-7425
- Web Address: http://www.centuryni.com/
- Date of Founding:4/20/2003
- Contact Number: (888) 913-8784
- BBB Accredited? No.
As mentioned above, there are a lot of negative reviews out there for Century Negotiations, Inc. This is not entirely unexpected for a debt settlement company and is something you will see even with the more experienced companies, but it's still something that will be cause for concern with potential customers.
There are complaints regarding their fees, their customer service, and pretty much everything else. We have seen worse, and there are enough positives here to keep us interested and keep this review wholly positive, but we can understand why some customers may be turned away.
Our Century Negotiations, Inc Review
The following Century Negotiations, Inc., review was compiled by our expert researchers based on the information that we could find and on our own experiences with the company. It's worth noting that this is just our opinion and it is based on an experience that may differ from the one that you have with Century Negotiations, Inc.,.
Century Negotiations, Inc. does not charge any upfront fee, which is a huge plus in an industry rife with all kinds of hidden fees and unexplained charges.
However, you will need to have a minimum debt of $5,000 (in unsecured debt) if you want them to help you. Typically, this debt will come from a variety of sources, such as credit cards, department store cards, and medical bills, but it can also come from several credit cards, several loans, etc., and it is the size of the debt that seems to matter the most.
Like all good debt settlement and debt consolidation companies, Century Negotiations, Inc., provides all new customers with a free consultation to help determine if they qualify for their services and if the needs of the client can be met by their expert staff.
A quote is provided during this initial consultation to give potential clients an idea of how much the process will cost and to ensure they have all of the knowledge they need before they make their decision.
Fees are assessed on a case-by-case basis and typically fall somewhere between 18% and 25% of the total debt enrolled. Clients will also be assigned a professionally trained negotiator who may be able to reduce the debt significantly and will work to ensure they chip away at it as much as they can. Century Negotiations, Inc., promise to erase all debt within 4 years, and may be able to do it within just 2 years.
- AFCC & IAPDA accredited
- Free Consultation
- $5,000 minimum to enroll
Education is key in this sector as debtors need to understand their situation and the reasons they are where they are in order. That's the only way they can avoid falling back into the red once their debts are cleared. Many sites have extensive guides and calculators to help them with this, but Century Negotiations, Inc., does not.
They have not skipped this aspect completely and there are some resources there that can be of use to debtors, but there is not enough for our liking and all of the content they have is seriously outdated.
- 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., are a solid company with reasonable rates. They are accredited with the AFCC and IAPDA, they offer knowledgeable support, and they have been making waves in the few short years that they have been in operation.
However, there are concerns here. The fact that they are not even accredited by the BBB will no doubt turn many potential customers away and the ones that are not concerned by this will almost certainly be concerned about the amount of bad reviews.
Once you dig through the anger and the frustration, and once you put the bitterness to the side and focus on what the company actually has to offer, we think it's mostly positive. That's why we have given Century Negotiations, Inc., a middling rating. Sure, there is room for improvement, but they're fairly new, so maybe that improvement will come in the near future.