Century Support Services
Century Support Services is a U.S. consumer debt settlement company that negotiates reductions on unsecured debt (credit cards, medical, personal loans) for financially distressed individuals through its SmartTrack™ program, operating nationwide on a results-based fee model.
- Company typePrivate
- Founded2004
- HeadquartersHuntingdon, United States
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Century Support Services does
Century Support Services, LLC is a privately held U.S. consumer debt settlement company founded in 2004 and headquartered in North Huntingdon, Pennsylvania. The company negotiates with creditors on behalf of consumers overwhelmed by unsecured debt (primarily credit cards, medical bills, personal loans, and collections), with the goal of reducing principal balances and enabling clients to resolve obligations in 24-48 months rather than through Chapter 13 bankruptcy. Its core platform is the SmartTrack™ program, in which clients make monthly deposits into an FDIC-insured dedicated savings account they control while certified debt specialists negotiate settlements; clients interact with the program through the MyCentury 24/7 client portal for fund tracking, settlement approval, and status monitoring. The company serves a horizontal spread of customer segments including general unsecured debtors, medical debt holders, veterans and military families, retirees, college students, small business owners, and individuals navigating marital or divorce-related debt, backed by NMLS multi-state licensing (NMLS ID# 1245669) and California DFPI registration.
The business model is results-based and transaction-fee in structure: clients pay no upfront fees and are charged only when a debt is successfully settled, with the company historically delivering average client savings of over 40% before fees (16% including fees). Go-to-market is sales-led and direct-to-consumer, combining inbound phone intake (855-417-6648), a web enrollment portal (lp.centuryss.com/apply), and a multi-channel acquisition stack spanning content marketing, organic SEO across debt-type verticals, organic social, and trust-signal placement (Forbes Advisor, BBB A+, Trustpilot, Consumer Affairs). Distribution is U.S.-domestic, operating in nearly every state except West Virginia. The company has accumulated more than $2 billion in cumulative client debt settled across 297K+ customers with a 265+ teammate workforce, and reports no institutional investors, parent company, or external funding rounds in the available record.
Century Support Services firmographics
Firmographics- Name
- Century Support Services
- Legal name
- Century Support Services, LLC
- Website
- https://centuryss.com
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Century Support Services is a U.S. consumer debt settlement company that negotiates reductions on unsecured debt (credit cards, medical, personal loans) for financially distressed individuals through its SmartTrack™ program, operating nationwide on a results-based fee model.
- Ownership category
- akta.pro rank
Century Support Services industry classification
Industry- Product category
- Consumer Debt Settlement Services
- NAICS
- Collection Agencies (561440), Collection Agencies (56144)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Debt Settlement & Negotiation Services (FSAEAFAC)
- akta.pro secondary industries
- Consumer Credit Counseling & Budgeting (FSAEAFAA), Debt Management Plans (DMP) Administration (FSAEAFAB), Financial Hardship & Forbearance Assistance (FSAEAFAJ)
Keywords
Where Century Support Services is headquartered
LocationHeadquarters
- HQ city
- Huntingdon
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Century Support Services business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Debt Settlement Fees: Fees charged only when a debt is successfully settled. Results-based pricing model where clients pay nothing until the company negotiates a debt reduction and the settlement is completed. Historically, clients achieved approximate savings of over 40% before fees, or 16% including fees, over 24 to 48 months.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Results-based debt settlement with no upfront fees |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Century Support Services product offering
Product offeringCore offering
Century Support Services provides consumer debt settlement services, enrolling individuals who are overwhelmed by unsecured debts and negotiating with their creditors to reduce balances owed. The company operates its flagship SmartTrack™ Program, manages dedicated client savings accounts to accumulate settlement funds, and supports clients through IAPDA-certified debt specialists via phone and its MyCentury online portal.
Product overview
Century Support Services operates as a debt relief company offering a unified service model centered on its SmartTrack™ debt settlement program, supplemented by multiple specialized debt relief modules targeting specific demographics and debt types. The core platform provides debt settlement, negotiation, and consolidation services through a network of certified debt specialists, with the MyCentury client portal enabling 24/7 client access to track progress. Specialized offerings include Veteran/Military Debt Relief, Medical Debt Relief, Business Debt Relief, Retirement Debt Relief, College Credit Card Debt, Marital/Divorce Debt Relief, and Payday Loan Debt Relief. Additional tools include a Debt Calculator, Credit Score Monitoring guidance, and Financial Literacy resources. The company operates on a results-based fee model with no upfront costs.
Differentiator
Problem solved
Functional benefit
Products and services
- SmartTrack™ Program Flagship debt settlement program that negotiates with creditors to reduce enrolled consumers' unsecured balances over a typical 24-48 month timeline, with dedicated FDIC-insured client savings accounts and IAPDA-certified debt specialists.
- Debt Settlement Services Core consumer debt settlement service where certified debt specialists negotiate with creditors to reduce total unsecured debt for clients who enroll in a structured program.
- Debt Consolidation Service that combines multiple unsecured debts into a single payment structure, offered as an alternative pathway to the company's settlement program for qualifying consumers.
- Debt Negotiation Standalone service in which the company's specialists negotiate directly with creditors on behalf of consumer clients to lower what they owe.
- Debt Reduction Service focused on reducing the total amount of unsecured debt a consumer owes through creditor negotiation and structured payoff.
- Credit Card Debt Relief Specialty debt settlement service for consumers carrying high credit card balances across multiple issuers, negotiating reduced payoffs with each card creditor.
- Medical Debt Relief Specialty debt settlement service that negotiates with hospitals, providers, and medical creditors to reduce outstanding medical balances for consumer clients.
- Military Debt Relief Specialty debt settlement service tailored to active-duty military members, veterans, and their families, addressing unsecured debt accumulated during service or transition.
- Business Debt Relief Specialty debt settlement service for small business owners negotiating reduced payoffs on unsecured business debts such as vendor credit and business credit cards.
- Personal Loan Debt Relief Specialty debt settlement service that negotiates reduced payoffs on consumers' unsecured personal loans with lenders.
- Payday Loan Debt Relief Specialty debt settlement service that negotiates with payday lenders to reduce outstanding payday loan balances for consumer clients.
- College Credit Card Debt Relief Specialty debt settlement service targeting college students and recent graduates carrying credit card debt accumulated during their higher-education years.
- Store Credit Card Debt Solutions Specialty debt settlement service for consumers with balances on retail store credit cards, negotiating reduced payoffs with each store-card creditor.
- Retirement Debt Relief Specialty debt settlement service for retirees and pre-retirees carrying unsecured debt into retirement on fixed income.
- Marital and Divorce Debt Relief Specialty debt settlement service for individuals dealing with unsecured debt accumulated during marriage or in the wake of divorce.
- MyCentury Client Portal 24/7 online client portal that gives enrolled debt settlement clients continuous access to their account information, balances, and program progress.
Quantifiable outcome
- Over $2 billion in debt settled for clients
- +4 more outcomes
Companies that use Century Support Services
Customer profileNamed customers5 records
Segments8 records
Ideal customer profiles5 records
Century Support Services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Century Support Services partnerships and signals
Strategic signalScale indicators7 records
Recent moves6 records
Expansion highlights5 records
Century Support Services competitors and assessment
Company assessmentDirect peers
- DMB Financial: Debt settlement company focused on negotiating unsecured consumer debt for clients behind on payments. Closely comparable on service model and target demographic to Century.
- National Debt Relief: Largest US-focused consumer debt settlement firm, offering contingency-fee negotiation on unsecured debt and serving a near-identical target customer (consumers behind on minimum payments). Closest direct competitor to Century in business model, customer profile, and fee structure.
- Freedom Debt Relief: Direct-to-consumer debt settlement company using a similar contingency-fee model with a client-funded savings account and negotiated lump-sum settlements. Highly comparable on GTM motion, product, and customer segments to Century.
- CuraDebt Systems: Debt settlement and tax debt resolution firm serving consumers nationwide with a similar contingency-fee structure. Comparable product breadth and target persona to Century's unsecured-debt programs.
- Accredited Debt Relief: Debt settlement firm offering fee-only-after-settlement programs with a client portal, closely mirroring Century's SmartTrack and MyCentury value proposition. Competes head-to-head for the same unsecured-debt consumer.
- Pacific Debt Inc. Specialized debt settlement company focused on credit card and unsecured debt with a results-based fee model. Comparable in operating philosophy and customer targeting to Century.
- New Era Debt Solutions: Smaller-scale debt settlement firm offering similar contingency-fee negotiation services to consumers overwhelmed by unsecured debt. Comparable business model and target market, though smaller in scale than Century.
- Beyond Finance (formerly JG Wentworth): National debt settlement provider combining unsecured debt programs with consolidation loans, with a digital-first client experience. Direct competitor on product, persona, and tech-enabled delivery.
Emerging players
- Money Management International: Large nonprofit credit counseling provider offering DMPs, housing counseling, and student loan counseling. Competes with Century for the same financially stressed consumer, but via an educational/counseling model rather than contingency settlement.
- Cambridge Credit Counseling: Nonprofit credit counseling agency offering DMPs, debt management, and financial counseling—an alternative pathway for the same distressed consumer persona that Century targets, but via a different (non-contingency, fee-based) model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Century Support Services social profiles
Digital presenceCentury Support Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
Century Support Services leadership team
Management profileNumber of profiles
Profiles4 records
Century Support Services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Century Support Services M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Century Support Services
What does Century Support Services do?
Century Support Services provides consumer debt settlement services, enrolling individuals who are overwhelmed by unsecured debts and negotiating with their creditors to reduce balances owed. The company operates its flagship SmartTrack™ Program, manages dedicated client savings accounts to accumulate settlement funds, and supports clients through IAPDA-certified debt specialists via phone and its MyCentury online portal.
Is Century Support Services a public or private company?
Century Support Services is a private company. It is classified as unknown and is currently operating.
When was Century Support Services founded?
Century Support Services was founded in 2004. It employs 251 to 500 people.
Where is Century Support Services based?
Century Support Services is headquartered in Huntingdon, United States, in the North America region.
How does Century Support Services make money?
One revenue line is on record: debt Settlement Fees.
Who are Century Support Services's main competitors?
Direct peers on record are DMB Financial, National Debt Relief, Freedom Debt Relief, CuraDebt Systems, Accredited Debt Relief, Pacific Debt Inc., New Era Debt Solutions and Beyond Finance (formerly JG Wentworth). Emerging players are Money Management International and Cambridge Credit Counseling.
Does Century Support Services have an API?
No public API is recorded for Century Support Services.
What industry is Century Support Services in?
Century Support Services's product category is Consumer Debt Settlement Services. Its primary akta.pro industry code is FSAEAFAC, Debt Settlement & Negotiation Services, with a secondary code of FSAEAFAA, Consumer Credit Counseling & Budgeting. Its NAICS code is 561440 and its SIC code is 7320.