Raphael’s life went upside down in 2006 when he lost his job due to drugs and alcohol resulting in several attempts at rehab.

After getting his life back on track with the help of a psychiatrist, he declared bankruptcy in 2012. As a result of the bankruptcy, he was offered a new credit card and decided he could use the help to re-establish credit.

When a series of events left him unable to keep up with his new credit card payments, Raphael began looking for ways to get relief from his new credit card debt. He found Century while he was looking to get a personal loan. After learning that he was not qualified for a loan, he was made aware of Century’s debt settlement program. Raphael realized this was a good program for his situation and enrolled. He liked the idea of reducing his estimated payoff time, that because of only making minimum payments, it would take more than a decade. “They estimated having this resolved for me within three years. So, I went for that,” Raphael said.

Raphael has been very pleased with Century’s customer service stating, “The program is excellent. If I wanted to know anything, I could call them and they could tell me.” When asked about his experience, he stated that “Everything has gone well and I'm satisfied with my program.” Raphael has also referred some of his friends to Century.

Congratulations on your program success, Raphael!