Be so cautious Prior to hiring I had never missed a payment, I was just being buried in interest. I hired them and they told me to stop making payments so they could leverage that to get a lower total amount due. Instead I got sued by multiple creditors, and they have now cost me 17k+ more than they originally pitched. I hope they didn't do this intentionally but they certainly failed, epically, in what they told me they could do. If you have any alternative to this road, take it. Call your credit card companies yourself and see if they can help you negotiate some path.

I would not recommend using this… I would not recommend using this company. This is the second company that I have used and I did not have a problem with the one that I used a number of years ago. I signed the paperwork which included a payback schedule. I understand that, that could change due to negotiations can change. Well after their final negotiations, they do not send you a updated payback schedule. My final negotiation was over 3 years ago and the original payback schedule had my last payment due 1/14/24. To this date I still do not know when my final payment will end and if it will ever end. Three months of phone calls and being sent wrong information and who knows when this will end. Since they do not send you information on when your loan will ever end or even care if they send you that information. Don't sign anything that is not concrete or you could be paying for the rest of your life. So from my personal experience I can not recommend using this firm.

4-1/2 yrs later...... I am 4-1/2 yrs into the program with Century and just made my last payment, but I have called them several times asking what happens now because all my accounts aren't paid. I have been told 3 times over several months that some accounts take longer than expected and that I will probably have to make another 26 payments. OVER 2 MORE YAERS LONGER!!!???? I am beginning to wonder what they have been doing for 4.5 years with 11 accounts of mine. Usually I get a phone call when I send an email but now I'm not getting that and my program is supposed to be over right now.

This is absolutely a scam This is absolutely a scam. You sign an agreement to promise to pay them a set amount of money to resolve your debt. They sell you on this with the heads up that your credit will be negatively affected, but instead they collect more "fees" than agreed upon on the amortization schedule and don't pay your debt. You are left at the end of your program to either pay more or get handed back the debt that they agreed to resolve for you. Basically they pocketed $26K for themselves and didn't pay my debt.

Century Law Firm was excellant in thier service Century Law Firm was excellant in helping me get my debt paid off. They kept me very informed every step of the way through the process from beginning to end. I would highly recommend thier service.