Century Law Firm

For reference, I am a public school teacher. I cannot fully articulate how much I wish to protect other people from the nightmare that has been my experience with Century Law firm. Please, please, do not use them for your debt consolidation. It is a racket, pure and simple. I have been embroiled in this mess since 2020. I have made my monthly payments. I have been told on 3 separate occasions now that my payments and commitments had been met. Each time they had this excuse and that additional account and this additional payment that had to be paid, and I must have misunderstood. I have a degree in English and a masters degree in Education. I promise I very much understand what is being explicitly told to me, but the fact is, I have been lied to, multiple times, as they dragged out the end date multiple times. My mistake was not tracking names and dates of people I spoke with, because this law firm lies. Please do not make the same mistake I made.

Century Law Firm is the absolute worst law firm I have ever dealt with. I started off the program with almost $49K debt. At the end of the program, I paid a little over $42k, after they promised that they could get the number down to $35k. Any time I have called in, I was always given a “we will call you back by end of day”, and then I’m chasing them for an answer over a month afterwards. I could have understanded if that was a one time thing, but it was every single time. They promised that any negotiation that was put in front of them that was not at least 50% of a savings that “Until Client authorizes and approves any such settlements, no payments of any kind, including any monthly minimum payments, will be made to Client’s creditors on the accounts…” (contract section 12.a.iv.). That was NEVER adhered to, I was never contacted to agree to anything prior to them making payments. As soon as I saw a payment come out, I immediately called them and asked for the settlement letter. There were even some settlements where they agreed to a number that was more than what I owed. I was promised that they would work with my creditors to negotiate the amounts. This only happened on one account, the rest of them, they waited until I was sued by the debtor to do anything. I even turned down one of the settlement propositions and they accepted it anyway against my consent. Don’t even bother calling in asking how much is still left to pay on the program, they have no idea. Even after all of my accounts were settled, I’m still 2 months into asking them what the exact amount is that I have left to owe, and no one can tell me. I’m taking out a loan with someone else just to get rid of them. I would file bankruptcy before I ever even considered dealing with them again.

I was told when I signed up that I would be debt free in 42 months. I am 2 months from 36 months right now. I called the other day and was told that I have 22 months remaining. I will not recommend this company to anyone. I was lied to, they say I owe $17,000 on one card and I didn't owe that much to begin with. And like other customers , I have not been contacted once for an approval to pay a creditor.

Century Law firm give you hope they are working on negotiating your debt and paying off your debt. After 3 years , we still have 75% of the debt not paid from Century. They state you can close at any time …guess what. I am ready to stop the program and now they are not returning my calls. Giving my wife the run around . Be careful people. They are shady and have power of attorney. Will continue to pursue them but VERY dissatisfied how they are treating us.

I am now nine months into the program. the last I heard from Century staff was four months ago and was told that my first settlement was lined up at the six month mark. I have not heard a peep from them since although the money keeps being debited as agreed. Collections calls are nil however silence on their part with so much money going to a settlement pool of money with status unknown is very unsettling. No website to track your progress (although very much in doubt if there is any).

I feel like I’m just giving them my money. I’ve been in the program for 6 months, creditors are calling me nonstop and I never hear from Century Law Firm. The only time I hear from them is if I contact them myself, and the responses seem like their feeding me a bunch of BS to keep me happy. I just noticed all the upfront fees I’m being charged as well. I’m very unsatisfied at the moment.

I just read a reply from owner of Century Law Firm that said we weren't ask to pay until Nov. Of 2022, that is not true we are still paying them and our credit score are not better than it was before we started with them. I have all my record to prove it.

I've been a client for a couple years, at first the customer service and communication was great. The past 6 months it has been absolutely awful. I've been given bad information after bad information, and have had unanswered emails for over a month now.

Yes they are settling my debts for less but taking the rest in very high hidden fees! I’m 44 of 48 payments and not even close to being done! We know other clients that at the end of agreement time they add 6-12 months more payments! We don’t recommend using Century.