Negotiation Vs. Debt Consolidation Programs
Century Negotiations Inc. has built a reputation that is based on superior dedication to our clients and our desire to see you succeed with your financial future.
CNI does not charge clients a fee for its services until we settle a debt for you, consistent with the new Federal Trade Commission (FTC) rule. By choosing to go with debt negotiation as opposed to other debt programs (like debt consolidation programs), you may experience a process more beneficial to your current situation. Our program is designed to assist individuals who are having trouble making the required payments on their unsecured debts, including primarily credit card debt , charged-off pay day loans and medical bills.
Normally these financial difficulties have been caused by any of a variety of factors including job loss, medical problems, death in the family, or divorce. Depending on your specific situation, debt settlement may be your best option.
The process works within your monthly budget to find an affordable solution for you. Our objective is to negotiate with your creditors on your behalf to obtain mutually-agreeable settlements for less than the full amount you currently owe.
Success in the program will require you to accumulate funds on a regular monthly basis. CNI begins negotiating with each of your creditors, typically one at a time. Your funds are disbursed to creditors and our fee is paid only AFTER a settlement has been negotiated.
Every program is unique. While some clients find success in just a few years, there are multiple factors that will affect the timeliness of your settlements: