In the beginning (June 2022), they were fantastic! Super helpful and very engaged. They called me every once in a while to check in.
Until...
In 2023, one of the highest accounts in my program, failed after Century had made 7 payments. They had over-allocated my funds (I had not missed any payments), and the account dropped and the original debtor sought help from a legal team.
I had no idea it was dropped... Century - at that point - had stopped caring and calling me.
Last year, early 2025, I was summoned for the full amount. I called Century, and they promised to assist me and send me documents to help me in court.
First court date came around, and I had not received anything... No documents, no e-mail, no phone call.
The attorney was very helpful and she postponed the court date to February 2026.
I sent an e-mail to Century with all she had said.
I got no response at all! Completely ignored.
I made extra payments in hopes Century would settle with them before my next court date...
My second date came up so I sent them another e-mail with a request for a document to help me out. This time they did reply. They sent me a generic e-mail asking me to call the customer service number... Of course assuming you can talk through the bot first.
Not wanting to deal with them already anymore anyway, I contacted the attorney. The lady was super helpful once again! She informed me that Century had not sent them any offers or communications at all in the last few months. We decided to settle it in court (for a deal better than what Century could have offered - minus the fees!).
Moral of the story:
The debt is yours! Century will try to profit of your situation. They can't lose, because if THEY fail, the debtors come find YOU! And that's too bad, ain't it?
Know that the debtors offer the same deals to individuals as they do to these companies. All they (Century and others) do is take a 25% fee.
My program (minus the one I got sued for) will be done in a few months. I'll be happy to be done with them!
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