Your first settlement can happen as early as the first few months on the program. This does vary depending on several factors, including:

• Your monthly program deposit amount
• The number of creditors you have enrolled
• The balance of each individual enrolled account

Century will begin contacting your creditors once we are prepared to begin negotiations. The actual negotiation activity is typically very limited until you have saved up enough in your settlement account for us to make reasonable offers to your creditors. When we make contact, we notify your creditor that we have authorization to communicate and negotiate on your behalf and we request future collection calls be directed to us and not you. 

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