Debt Relief Programs in North Carolina

Debt is a serious problem that affects millions of Americans. If you live in North Carolina and struggle with debt, don’t try to go it on your own. Century is here to help. We provide trusted and proven debt settlement services. If you are looking to find a way to resolve the money you owe, North Carolina debt relief may be a great solution for you.

Free Assessments for Debt Settlement in North Carolina

Debt settlement in North Carolina is available from Century Support Services to help residents get out from under the burden of unsecured loans. High interest rates, late fees, and unexpected bills create overwhelming financial situations for households. However, with the right tools and support from our team of professionals, you can have more control in reaching financial stability.

North Carolina Debt Relief Options

Residents from the Blue Ridge Mountains to the Outer Banks are facing financial struggles as North Carolina faces a higher debt-to-income ratio than the national average. Credit cards account for a significant portion of this, with the state holding the 10th-highest national average debt in this category. If you live in the Tar Heel State and feel trapped by overwhelming payments, there are a few options for relief:

Loan consolidation

Filing for bankruptcy

Credit counseling

Debt Settlement

A North Carolina flag sticking out of a pile of money

It's As Easy As 1, 2, 3 ...

Evaluation & Enrollment

Let's explore your situation together and see what program is right for you.

Program Personalization

It's time to customize your plan around your debt, budget, and long-term goals.

We Get to Work

Our experienced negotiations start working with your creditors to reach the best possible settlements.

Live Life

Celebrate successful programs completion and enjoy the freedom of a fresh financial start.

Join 297,000+ People, Who Chose a Healthier Financial Future

Understanding What We Do

Century Support Services provides debt relief programs in North Carolina by settling debts for less than what you currently owe. This is not a loan that requires repayment to us, and it's not a bankruptcy that becomes a public record. We set up an FDIC-insured savings account that you deposit funds into while we negotiate with your creditors. We'll present a settlement plan to you, and once you approve, you'll use the funds from savings to pay your creditors and our service fee.

Let’s Get You on the SmartTrack™

You've made it this far now let's make your plan to become debt-free.

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Stay on Course With SmartTrack™

Our service includes access to our online platform, SmartTrack™. You'll have 24/7 insight into your settlement status, payments to your creditors, and debt balances. We're also available for guidance and support. This is an essential tool to help you stay motivated and accountable in achieving your financial goals. Here's what you can expect from us:

A free assessment of your situation

A personalized financial resolution plan

Creditor negotiation and support

We also promise complete transparency. You'll never have to worry about hidden fees or surprises. We offer a straightforward, honest approach with real results.

Why Choose Debt Settlement?

We understand you have options to consider. In addition to offering guidance from our award-winning team, debt settlement has advantages over other options. Filing for bankruptcy takes settlement decisions out of your hands and leaves them up to the court. We'll help you settle debts in less time, with a significant amount being resolved before you start payments, and you won't compromise other financial obligations.

Frequently Asked Questions

Can a Debt Collector Garnish My Bank Account in North Carolina?

If you're sued by a debt collector over non-payment and the court rules in favor of the debt collector, they can ask the court for a garnishment order to freeze and seize your bank funds.

What Personal Assets Are Exempt From Garnishment in North Carolina?

Personal assets exempt from garnishment include up to $35,000 of your home's equity, a motor vehicle up to $3,500, a certain amount of household goods, and up to $2,000 of tools or equipment for work. Additional retirement accounts and some public benefits are also exempt.

Will Debt Settlement Affect My Credit Score?

During the debt negotiation process, you'll be advised to stop making payments. Non-payment of past-due accounts will negatively impact your credit score. It's difficult to determine exactly by how much, but anyone who misses payments or is consistently late without making a settlement will also experience a reduced credit score. With debt settlement, you'll have the opportunity to rebuild your credit.

Is Debt Settlement Right for Me?

Everyone's situation is unique. From the type of debt and the amount to other financial considerations, factors should be discussed and considered. Our Certified Debt Specialists can discuss your circumstances to help you determine if this is the right path for you.

Let’s Reduce Your Debt Obligation

When researching debt settlement companies in North Carolina, be sure to schedule a free consultation with Century Support Services. Our team offers a personalized and empathetic approach to help you navigate your options. We're known for:

Our A+ Better Business Bureau rating

Excellent customer reviews

Over $2 billion in debts settled

Nearly 300,000 customers served

A clear path to financial health is here. Contact us today for your complimentary consultation, and let's discuss resolving your outstanding debts.

Ready to See What’s Possible?

Century can help North Carolina residents struggling with debt