Founded in 1999 by one of the original members of the American Fair Credit Counsel, Century Negotiations has resolved over $600 million in debt. The company features the major industry accreditations we look for and have over 17 years of experience in the industry. Century Negotiations has a lower minimum debt amount required to enroll than most other companies and offer an online dashboard to keep track of your account.

Rank Chart
Debt Requirement







Century Negotiations, Inc. Reviews |


The Good

  • AFCC & IAPDA accredited
  • No cancellation fee
  • Free consultation
  • Online dashboard
  • $5,000 minimum debt to enroll

Industry Experience

One of the most important factors to consumers in a debt settlement company is industry experience. Century Negotiations holds accreditations with the AFCC and the IAPDA. On top of these important accreditations, the company has over 17 years in business. Together, these things show that Century Negotiations is committed to debt relief and brings considerable expertise and knowledge to the table.

Online Dashboard

The company offers an online dashboard where customers can login and view their account information. This makes it very helpful to view and track the progress rather than having to call the company to find out about the status of the settlement.

Great Value

The ease of setting up an account through their free consultation process along with the low $5,000 minimum debt requirement helps set the company apart from the competition. Additionally, a free budget analysis is offered during the free consultation to help clients see what they can expect during the process.

The Bad

  • Lack of transparency
  • Poor customer communication

Lack of Transparency

Century Negotiations does not disclose pricing or state service information on its website. This lack of transparency can be frustrating for potential customers trying to decide whether Century Negotiations is the right debt settlement company for them.

Poor Communication

Many of the complaints leveled at Century boil down to poor or intermittent-at-best communication, especially regarding the status of one’s account. Clients are often bombarded by calls from creditors and collectors, this lack of support and communication from Century can be highly distressing and worrying.

Compare to the top rated debt settlement companies

The Bottom Line

Although Century Negotiations has the major industry accreditations we look for, their customer service and communication track record is spotty and raises concerns. On paper, the company might be a good fit for customers that need to settle a smaller amount of debt. Overall, we recommend looking at other companies that might fit your needs better at this time.

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Frequently Asked Questions

How Much Does Century Negotiations, Inc. cost?

Century Negotiations does not disclose this information on its website.

Can I Get A Free Consultation?

A free consultation is offered where the potential client and the debt relief specialist will go over the total debt amount, estimated payment periods, and what the client can reasonably expect to pay as a total each month toward paying off their debts in full. Each call will differ depending on your situation.

What Types of Debt Does Century Negotiations, Inc. Work With?

They only handle unsecured loans.

What Is the Minimum Debt Amount I Can Sign Up With?

$5,000 total, with each individual overdue account needing to be at least $500.

More Information

About Century Negotiations, Inc.

Century Negotiations, Inc. was founded by one of the original members of the American Fair Credit Counsel (AFCC). CNI currently holds accreditations from the AFCC and the IAPDA. Over the past ten years, Century Negotiations, Inc. has negotiated over $600 million of debt for clients. The company specializes in settlement and negotiation services as alternatives to debt counseling and consolidation services. Originally founded in 1999 with three employees, CNI has grown to support thousands of clients. The company is dedicated to providing superior service and education for each client to have a successful and positive experience.



Account Set-Up

  • Free consultation: Yes
  • Personal consultant during the settlement: Yes


  • AFCC accredited: Yes
  • IAPDA accredited: Yes

Time in Business

Founded in 1999

Minimum Debt Requirement


Available States


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2 Century Negotiations, Inc. Reviews

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  1. User Score


    August 4th, 2016 Fort Worth, TX

    I signed up with ClearOne for debt settlement, which was then transferred to CNI. I have been on the program for 3 months and so far everything is great! The company informed me from the start that I will continue to receive collections calls, but to ignore them- the calls will continue until settlement is reached (this mainly to counter the reviews complaining of still receiving collections calls). By month 2, I already had one debt settled, on a 6 month payment plan, for 50% of the original balance. So far so good!

    The customer service is pretty good as well. If I ever have any issues or questions, I just call or email and am satisfied with the service. Sometimes it may be 2-3 days to receive a response by email, but usually have a response within 1-2 days.

    Overall I am satisfied with what and how CNI is doing. Starting with ClearOne was a great experience, and that great experience has continued with CNI.

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  2. User Score


    April 7th, 2016 Hayward, CA

    Ive made two payments to this company so far and have not been called/emailed about my accounts. Me and my wife get phone calls on the daily from the collection companies. They are not doing whats promised and i expect a full refund.

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