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.

Satisfied, so far! Feeling extra confident today I signed on with a trustworthy group to help me settle my debt. Advisor Alexus Krotzer was fantastic today on a follow-up; she updated me, answered my questions, and reassured me that my case was important to the firm and receiving the full attention. Will Gooler my litigation contact re: escalating cases has been amazing as well. Oftentimes I'm not able to catch phone calls, so his email communications have been valuable - he's always thorough and professional. A distinction that sets Century law firm apart from other debt settlement programs is legal representation, which most debt solution programs don't have. Century is a law firm so attorneys are already in place to respond. There's no need to look outside for an attorney. Century law firm really feels like a package deal. Looking forward to closing my account in a few years. Thank you to Alexus and Will and Century Law Firm!

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.

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 spoke with Chosen today about an… I spoke with Chosen today about an issue I had. This lady has excellent customer service skills. She handled my concern in a very efficient manor and relayed to me updates about my account without me having to ask. This company has been awesome to work with. Everyone I have talked to have been very courteous and informative. I know I made the right choice to entrust my finances with them.