Most clients experience collection calls while on the program, even with laws in place to protect consumers from creditor harassment. Being in debt can be a stressful life experience and regular collection calls and potentially harassing communication from creditors, debt collectors, and collection attorneys only adds to this stress.

For this reason, Century has contracted with a national consumer advocacy group, United Consumer Advocacy Network (UCAN), which protects the rights of people who may fall victim to harassment. As a Century client, you will receive the benefits of their Creditor Intervention Program. Their program works with you to handle these harassing calls. It is our belief that you should be treated with respect as you work toward an admirable goal…Financial Freedom.

Century representatives will always call from a 724 area code and the caller ID displays Century. Please make sure that when you have received phone calls from us, you call us back as quickly as possible. Our calls may be to discuss a time sensitive settlement opportunity on one of your accounts.

Our many years of experience in debt settlement have given us many strategies that we employ with creditors. Strategically, we do not contact each creditor immediately upon your start in the program. We have found that some creditors may accelerate their collection attempts when they learn a client is enrolled in a debt settlement program.  Our knowledge of certain creditor tactics, guide our efforts to specifically wait to contact them for a prime point in your program.

While on your debt settlement program, your enrolled debt will become delinquent. Creditors typically will continue to add interest and late fees to accounts that are delinquent. Many creditors stop assessing interest and fees once they have charged-off the debt (typically 6 months following your last payment). However, others may not stop these assessments. Our goal is to negotiate substantial reductions to the balances on your accounts, including any interest and fees that may have been assessed.

Yes. The IRS considers a forgiven debt as taxable income.  At the end of the year, the IRS will expect taxes to be paid on the settlement. Although, they have a form (IRS Form 982) that allows certain hardship situations to be exempt from this tax. Please contact a tax advisor to discuss this issue further. To receive a 1099-c for your settled debt, the savings must be greater than $600.

When our Negotiators have a settlement offer waiting for your approval, we will make contact with you. For your convenience, we have convenient ways for you to approve your offers:

  1. Log in to the MyCenturyclient portal 24 hours a day and click on the red button, located at the top of your portal page, to review and approve your pending offers,


  2. Simply respond that you ACCEPT to one of the settlement authorization emails that our team has sent to you recently,

  3. Call our Customer Service team during business hours. They will take your call, review your offer and obtain your recorded authorization to accept the settlement. Our main number is 724-861-3401 or 888-913-8784 and select option 3.

If you haven’t registered for the MyCentury portal, that is the first step.
Click on the button to be directed to the MyCentury login page.
Once at the login page, click on the ‘First Time User Setup’ button. You will need your Client ID to register.

If you are not a new user, you can login directly from the main login page by clicking the button above or by navigating to our main website at and selecting ‘Enter MyCentury’ located in the upper right hand corner of the page.