Name: Americor
Rating: 4.9

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The Good

Comprehensive Debt Services
Simple Process
No Upfront Fees
Accreditations
Americor Reviews

Comprehensive Debt Services

Americor’s debt relief program helps with common creditors, banks, and delinquencies including, but not limited to, credit card debt, personal loans, medical debt, private student loans, and unsecured lines of credit (LOCs).

While the services outlined above are typically offered by most debt relief companies, Americor sets itself apart by also offering clients some of the fastest settlements in the industry along with additional client support with access to a 22,000+ online community of Americor clients and program graduates who help, support, and motivate each other and answer questions about the program and process as they work to become debt-free.

Simple Process

Americor offers a simple path to becoming debt-free. You can contact the company by phone or online via their website to receive a free consultation. You only need to answer a few simple questions about your debts, and if you qualify, you can get started immediately.

Americor provides you with a 100% personalized debt relief plan. And for those who wish to get started with Americor’s debt resolution program, it typically takes between 24-48 months for clients to complete the program and to be debt-free of all their debts they enrolled into their program.

After clients complete their program, they receive a certificate of completion and all of their enrolled creditors are fully paid off, and the client is debt-free.

No Upfront Fees

Like many other reputable debt relief companies, Americor doesn’t charge clients for its services until after it has received settlement offers from clients’ creditors and the clients have approved of those settlement offers.

Accreditations

Americor has been accredited by the Better Business Bureau (BBB) with an A+ rating. Ratings range from A+ to F, with A+ being the best and F being the worst, and are based on factors like customer complaints, transparency, and responsiveness.

Americor Reviews

On BestCompany.com, 90 percent of Americor reviews are 4 or 5 stars. Satisfied Americor clients frequently highlight the following about their experience with the company:

Stress-free process
Ease of tracking progress through email notifications and the Americor app\
Courteous and knowledgeable company representatives — many Americor clients remark how the reps they worked with helped them feel calm and comfortable, in addition to answering their questions and concerns.

It is worth noting that Americor has a near perfect score among clients in the service category. This bodes well for those considering working with the company. One Americor review mentions that the company is "always there" and calling back. General consensus among Americor reviews is that the company excels in customer service.

However, some customers mention receiving notifications from creditors and bill collectors after starting service with Americor, which can cause stress or concern. However, results of debt relief service aren’t typically immediate, and receiving such notifications are not necessarily an indication that the service isn’t working.

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Will I owe taxes on the amount of debt that is forgiven through a successful negotiation?

Some creditors may issue a 1099c for the amount of debt forgiven over $600. If this occurs, you may be able to file for FInancial Hardship with IRS Form 982 with your income tax return to offset any tax liability. To learn more about the impact of cancelled debt and how to offset potential tax liability, read publication 4681 on the IRS website.

Will I be able to enroll all of my debts in Americor's program?

No. The program focuses on unsecured debt like credit cards, personal loans, medical debt, and personal student loans. Loans that are secured by collateral such as your home or an automobile do not qualify for Americor’s program.

Can I negotiate my own debts?

The short answer is yes. It is possible for you to contact your creditors directly and negotiate your own debts. However, Americor negotiators have years of experience and direct relationships with creditors and collection agencies. Unless you are a skilled negotiator and extremely knowledgeable about the credit and collection industry, you may not be able to negotiate agreements as favorable as the ones Americor negotiators may reach on your behalf.

Who is holding the funds I save each month?

By law, all debt resolution providers are required to use an independent third-party payment processor to hold consumer funds while the consumer is enrolled in a debt resolution program. After enrolling in Americor's debt resolution program, the company will assist you in setting up a FDIC-insured savings account that you control with a licensed, third-party payment processor who will hold your savings funds and distribute all negotiated payments to your creditors in a timely manner. You are the owner of this account and you control all of the funds deposited and debited from the account.

Does a debt resolution program help repair my credit once I have completed the program?

No. Americor is not a credit repair company, and it does not offer credit repair services. However, once a person progresses through their debt resolution program and settled accounts are paid off, they often see their credit score improve due to a lower debt to income ratio.

Does a debt resolution program affect my credit score?

If you do not make timely minimum payments each month, or if you allow your credit cards to go into a charge-off status after six months of no payment, your credit score can be negatively impacted. This is true whether you enroll in a debt resolution program or not. The sooner you are able to resolve your delinquent accounts or negotiate a repayment plan for less than you owe, the sooner negative items will begin to not be factored into your credit score and the sooner you will be able to begin to rebuild your credit.

How long does it take to complete a debt resolution program?

While each person’s situation is unique, and it is dependent on how much debt you enroll and how fast you can save, Americor clients are typically able to complete their program in 24 to 48 months.

How long does it take before I typically see results?

Americor clients typically get their first settlement offer within 3-6 months after enrolling in the program. However, some clients receive their first settlement offer within 30 days of making their first deposit into their dedicated FDIC-insured account.

Can Americor guarantee all of my debts will be successfully negotiated through its program?

Americor will not enroll a creditor that the company has not successfully negotiated with in the past. Part of the enrollment process is to determine which of your creditors Americor can and can not enroll. Americor has been successfully negotiating debts with most credit card companies since 2009 and has relationships with over 1,000 clients across the nation to assist their clients with their debts.

How are fees charged and paid in a debt resolution program?

Americor never charges a fee until it is able to successfully settle your accounts for less than what you owe. When Americor receives an offer from one of your creditors, it will submit a written agreement to you for your review and approval. Americor's fees are then paid on a prorated basis once the settlement payment is made.

What people are saying on Google

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Janis Grau

Arianna McNeil was the first person I spoke with at Americor. I called with great apprehension even after doing an extensive comparative search on the internet. To begin, her phone presence was understanding, reassuring and patient. I am 81, have suffered a stroke and find myself unable to work as an artist any longer, She was at all times able to address my questions and waited patiently while doctors and nurses administered to my physical needs. It was a unique experience for her I am sure, which she handled with compassion and professionalism. In a world where personal contact via telephone is rare, Arianna is golden. As an initial contact person representing Americor...she is a keeper!

8 months ago

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jason perez

I had an outstanding experience with Christin Escaross. From the very beginning, she was professional, knowledgeable, and genuinely committed to helping me regain control of my finances. She took the time to explain every step of the process clearly, answered all my questions and provided all detailed information. Overall, I felt very safe during the duration of my phone call. She was very honest and transparent. I believed my concerns would get better with time as along as I follow through with this process.

8 months ago

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Dani Urbano

This review is only based on my initial call to Americor and the Debt Consultant that I have spoken with. I will update my review once I finish the program or if need to stop. The Debt Consultant I worked with is Ayman Ibrahim. Ayman was personable, and seemed with just the first call understood how I was feeling and how I was struggling. He helped explain the program and has been punctual with our meetings and following up. Ayman is kind, empathetic, and is making a stressful situation so much easier to handle. Truly appreciate his professionalism and compassion throughout the process.

8 months ago

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Fran Morse

Patrick Sandoval was just the person, I needed, to help resolve my debt problem. I was enrolled in a program, with another company, and was not satisfied with their performance. When, I received your letter, I thought I would just call, and get some feedback. I am grateful to have been helped by Patrick. He took a lot of time, to get my account set up, explaining everything to me, as we went along. I feel very confident this is the best solution for me. Thank you Patrick, for making me feel you have my best interest at heart. I also spoke to Carlos, when setting up my portal. He was also knowledgeable, walked me through the process, explaining everything. A wonderful experience speaking to these two gentlemen.

8 months ago

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User Reviews

Star Rating

4.9

7,934 Reviews

Review Breakdown

5 grade

80%

4 grade

10%

3 grade

2 grade

1 grade

Sentiment Criteria

Value

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Quality

Service

Trustworthiness

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Featured Review

Renae Cook

I could not be happier and more grateful to have stumbled across Americor while I was seeking out a loan for credit card consolidation. I spoke to an Agent who was extremely helpful and kind, we had a little misconnection but fortunately I was able to reach out after about a month of them not hearing from me, and picked up where we left off. I had the best customer service ever with every single person who helped me throughout the process, especially with Jessica G. I cannot thank her enough for her support and kindness. I am amazed with the amount of help they have provided already and look forward to crushing my debt with the help of Americor!

1 year ago

Reply from Americor

Renae,

We’re thrilled to hear about your experience! It’s wonderful that Jessica G. and the team were able to provide the support and guidance you needed. Thank you for trusting Americor, and we’re excited to help you achieve your debt-free goals!

-Americor

Feb. 20th, 2026

Susan

Luke was a true blessing and help me understand and realize that I needed help to get out of my debt! Even though the Unknown doing this procedure in my life, I trust in God first and what Luke had to say in the encouragement support that I receive an email. I have prayed for changing my life to do better with my finances. I believe that this is the change I’ve been praying for I will work hard to turn it around. Many blessings

Susan,

Thank you for sharing your experience! We’re thrilled to hear that Luke was able to provide guidance and encouragement during this important step in your financial journey. Your dedication and positive mindset will be key as you work toward turning things around, and we’re honored to support you along the way. Wishing you many blessings on this path forward.

-Americor

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Verified Customer

Antwyla Randell USA

1 week ago

Siera Whitlock USA

3 weeks ago

I joined Americor a couple of years ago when I was overwhelmed with credit card debt and struggling to keep up with high minimum payments on six cards. I finished the program sooner than expected, raised my credit score from the low 500s to 678, eliminated my monthly credit card payments, and even had legal support when needed. Now I’m debt-free, financially stronger, and preparing to buy my first home, and I highly recommend the program to anyone looking to move forward.

Congratulations on your incredible accomplishment! We’re thrilled to hear that the program helped you raise your credit score, eliminate your monthly credit card payments, and gain the confidence to pursue your first home. Your success is exactly why we do what we do at Americor. Thank you for sharing your journey and for recommending our program—we’re honored to have been part of your path to financial freedom!

Feb. 24th, 2026

Richard Vazquez USA

Pam Kelly

I had a very positive experience with representative, Joey Mascolo, today in starting my freedom from credit card debt. joey walked me through the steps, made suggestions on my best options with my situation and answered all the questions I had. I feel confident i made a good decision for myself. Thank you again Americor Financial and Joey for a successful plan forward.

Madison Bronson

It has been great working with them so far. From the very beginning of this process, they’ve made things feel much less overwhelming. I’m already starting to feel a sense of relief knowing that there is a clear path forward, especially when it comes to the financial stress I had been carrying before starting. Jordan and Joanne have both been awesome throughout the process. They’ve been professional, supportive, and really helpful in answering my questions and making sure I understand each step. Their communication and willingness to help has made a big difference and has given me a lot more confidence moving forward. Overall, my experience so far has been very positive, and I’m grateful to have their support while navigating this process.

Ashley Waterman

Americor is absolutely amazing to work with. From the very beginning, they are helpful, responsive, and always available to answer my questions. They take the time to explain everything clearly and make sure I understand the process. The biggest thing for me is the stress relief. I feel completely overwhelmed with my debt before reaching out, and now I finally feel like there’s a real plan in place. They truly lift a huge weight off my shoulders and are helping me work toward becoming debt free. I’m so grateful for their support and guidance throughout this process. I highly recommend Americor to anyone who feels buried in debt and needs a team that genuinely cares.

2 weeks ago

Jessie Diaz

Had a great experience Kacey was so helpful and answered all my questions and put me at ease she was so polite and understanding! Looking forward to being debt free! Great customer service!!

mbires79@yahoo.com

Americor gave me a financial plan to get out of credit card debt. Tyler worked with me and provided a comprehensive plan to get back on track now and in the future! Thank you so much for providing a way to save my financial freedom!!

Rachel Wills

I was very impressed with how easy it was to set up debt consolidation and repayment with jerry from Americor! He was kind and patient and I felt supported in my decision to pursue services. I didn't experience any surprises and even the downside to debt consolidation via their program was explained.

3 days ago

M. McVaney

I’m writing to share my experience with the Americor Success Team. The team that brought me to Americor was great! The final step was handled by Ms Rachel, who was super friendly, helping me finish up my enrollment. Rachel handled the details quickly, yet efficiently, and left me feeling I really understood what I would be facing going forward, and that I wouldn’t be left to figure it out by my self. Thanks you for being here, throwing a life line, right when I needed it. Finally, some light at the end of a dark tunnel! Thanks Americor!

M,

Thank you so much for sharing this heartfelt feedback! We’re thrilled to hear that your experience with our Team was such a positive one.

It’s wonderful to know that Ms. Rachel made your enrollment process smooth, efficient, and easy to understand. Making sure our clients feel informed, supported, and never alone in the process is incredibly important to us.

We’re honored to be that lifeline during a challenging time and are so grateful you chose Americor. Thank you for trusting us!

-Americor

Samantha Fuentes Montalvo

1 month ago

Thank you so much, Samantha, for sharing your experience. We’re truly grateful you trusted us during such a stressful time, and we’re glad our team was able to make the process feel manageable and supportive from the start. Providing clear guidance, compassion, and respect is very important to us, and we’re happy to hear that came through in your interactions with our team. We appreciate you choosing Americor and look forward to continuing to support you on your journey forward.

Feb. 4th, 2026

Melissa Fee

Barbara Besso

The enrollment process was handled easily. The rep, Jesse, helped me manage my computer challenged brain! He answered all my questions and set up an affordable plan to get out of debt. The 45 min webinar I scheduled the next day, answered questions I didn't even know I had!

Chris Smith

Daniel Pichardo was absolutely great at his job. He took the time to go over everything in detail and answer every question we had. The company in general is well known. We are looking forward to getting our debt under control.

Chris,

Thank you so much for sharing your experience! We're thrilled to hear that Daniel Pichardo took the time to thoroughly review everything and answer all of your questions — that level of care and clarity is exactly what we strive for.

We’re grateful you chose Americor and are honored to be part of your journey toward getting your debt under control. We look forward to supporting you every step of the way!

– Americor

Maria Johnson

I saw the video and decided to call to find out more information. I spoke to a gentleman named John L. he made me feel at eased and answered all my questions. Americor doesn’t push you to get their program they explain what can be done and how. This us why I went witn Americor because the respect they show you. I would recommend this company to anyone.

Thank you for sharing your experience! We’re glad John L. was able to answer your questions and help you feel at ease. At Americor, we believe in providing clear information and treating every client with respect—never pressure. We truly appreciate your recommendation and are grateful for your trust.

Feb. 16th, 2026

Natalie Vertucci

Daniel A. was wonderful to talk with and explained everything in detail.. He made me feel like Wow I can be debt free in 48 months. This was a much better situation than The Achieve one that I was currently in. I am paying almost the same amt that Daniel is giving me for taking care of 3 accounts. I was paying them almost the same amt for 1 acct. Your company is a blessing to me and not only that. I will recommend Americor to friends in need. I am a Christian woman and I prayed about this and I feel God led me to you... So thank you! and have a Blessed Day...

Thank you for sharing such a wonderful review! We’re thrilled to hear that Daniel was able to explain everything clearly and provide a plan that works for your situation. It’s wonderful to know you feel supported and confident on your journey to becoming debt-free. We truly appreciate your trust in Americor and your kind recommendation to others. Wishing you continued blessings and success!

Jan. 28th, 2026

Mario

Great customer service. John is a great help !!! I am ready to get back on track thanks to this amazing team at Americor. Will recommend to family and friends.

Cody

Decided to give Americor a try after weighing my options and shopping around. Very pleased with how informative my credit advisor was and the help they provided. Looking forward to being completely debt free!!!

Jeannine Catalano

Americor really cares about their outcome for their clients. I was very hesitant about using the service because I really didn’t want to watch my credit tank. However, I was reminded how fast I can fix that by being on the positive end of creditors and not on the negative end with them. Thanks, Brad Taylor for helping me out!

Thank you for sharing your experience! We’re thrilled to hear that Brad was able to support you and help you feel confident about your financial path. We appreciate your trust in Americor and are glad to know you feel your credit is on the right track.

RYAN ATOIGUE

Clarity through Financial freedom Great way to get out of debt quicker and cheaper thru all the "instant gratification" loans and credit card charges that I have accumulated from spending. Ideally I would recommend this type of services to my friends and family in debt.

2 months ago

Thank you for sharing your experience! We’re glad to hear that our program has helped you work toward financial freedom and manage your debt more effectively. We appreciate your recommendation and are happy to support you on your journey to a stronger financial future.

Deborah Rudolph

Agent was of great help and was there until the end of the call. I got an answer right away. Excellent help and my payment was great with 0 % interest. Everybody that needs help with payments need to call. Cary was very knowledgeable and excellent with my conversation. Always very kind, Made me fill like i was ok. When I hung up I felt like i was going to be ok with my issues. I would give 100 Stars if I could

Thank you, Deborah, for sharing such a heartfelt review. We’re truly glad to hear that Cary provided knowledgeable, kind, and attentive support throughout your call and helped you feel reassured about your situation. Knowing you felt confident and at ease by the end of the conversation means so much to us. We appreciate your recommendation and your trust in Americor—we’re here to support you every step of the way.

Dec. 30th, 2025

Bobby Lewis

Americor is at the height of their niche! Mr. Alexander Rivera was the epitome of professionalism. He was compassionate, understanding and thirough in the process. Because of him, our minds were at ease. He made every effort to answer all of our questions and went above and beyond. His assiduity was above the rest. It is seldom that I am able to highly recommend a business, without reservation, like I can in this instance with Americor. Don't hesitate to let Americor help you.

Thank you, Bobby, for sharing such a thoughtful and generous review. We’re honored by your kind words and truly glad to hear that Alexander Rivera’s compassion, professionalism, and dedication helped put your minds at ease. Providing thorough support and going above and beyond for our clients is exactly what we strive for. We sincerely appreciate your recommendation and your trust in Americor—we’re here to support you every step of the way.

Ruby YB

In March 2024, I started the Americor Debt Resolution program after being contacted by Guy Soeder. He took the time to truly listen to my situation and explain the program in a way that finally gave me hope. As of November 2025, all of my overwhelming debt has been consolidated, and I’m now part of the Credit9 program—just months away from being debt-free. I was drowning financially and felt completely stuck, but Americor changed my life. I’m beyond grateful for this program.

Thank you, Ruby, for sharing such a powerful and encouraging experience. We’re truly honored to have been part of your journey and are so glad that Guy Soeder took the time to listen and provide clarity when you needed it most. Hearing that you’ve moved from feeling overwhelmed to being just months away from becoming debt-free means everything to us. Thank you for trusting Americor—we’re grateful to support you and celebrate this milestone with you.

Micah Wright

I’ve been working with Americor for about a year as part of my effort to get out of debt. They explained their process for lowering interest rates and managing accounts, and I appreciated having guidance during a stressful time. While my main priority was my largest Wells Fargo account, the team initially focused on some of my smaller debts. This wasn’t the approach I expected, but it did help me make progress on a few accounts. Recently, I received a summons from Wells Fargo, which was overwhelming, and I learned I needed to add additional funds to my Americor account. Although this information didn’t come as early as I would have liked, customer service did explain the next steps and what was needed to move forward. Americor has helped me better understand the debt relief process, but I think clearer communication and quicker updates would make the experience even stronger. They may be a good fit for people who want structured guidance, but it’s important to stay proactive and check in often to make sure your priorities are being addressed.

3 months ago

Thank you for sharing your thoughtful and balanced feedback. We understand how stressful this process can be, and we appreciate you acknowledging the guidance our team provided along the way. Your comments about communication and alignment with priorities are important to us, and we’re always working to improve clarity and timeliness. We’re glad we could help you gain a better understanding of the debt relief process and support you.

— Americor

Jan. 6th, 2026

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Rebeca Saldivia

Stay away from Americor. This company is vague about settlements until the moment you’re pressured to accept them. There is no real transparency upfront about how much goes to creditors versus how much they’re taking in fees. Once you look closely, you realize their fees are front-loaded, meaning most of your early payments go straight to Americor — not toward resolving your debt. They even request additional deposits that conveniently go toward covering their fees instead of accelerating payments to creditors. The priority clearly feels like getting paid, not getting you out of debt. Several of my accounts remained unsettled, including one that had been sold months earlier — and they didn’t even know. That’s basic oversight. When I asked how much my monthly deposits would decrease if I removed the unsettled accounts (which represent more than half of my total debt), they told me the deposits wouldn’t decrease at all. They also couldn’t tell me how much sooner I could finish the program — not even an estimate. So even if you reduce your debt load, you’re still stuck paying the same amount with no clarity on when you’re done. This program feels structured to protect their fees, not to prioritize your financial recovery. Avoid them completely.

3 weeks ago Edited March 2, 2026

We’re truly sorry to hear this was your experience. Transparency and informed decision-making are very important to us, and we regret that we did not meet your expectations. We understand your concerns regarding fee structure, settlement timing, and communication, and we would welcome the opportunity to review your account in detail and address these points directly. Our team has attempted to reach out to discuss this further, and we remain available if you’re open to connecting so we can provide clarity and ensure your concerns are fully heard.

Mar. 2nd, 2026

Kent Krisle

The people there take their time and explain all the aspects of the program. I am leaving another company and taking my business to Americor, and it even costs less.

Chad Morrow

I’m super thankful for our representative!! He has gone above and beyond to break down how all the credit works and the steps that helps us better understand how we got here and how to fix our future

Thank you so much for sharing your experience! We’re grateful to hear that your representative went above and beyond to explain how credit works and helped you understand both how things got to this point and how to move forward. At Americor, our goal is to provide clarity, education, and support so you can feel confident about fixing your financial future. We truly appreciate your trust.

Feb. 18th, 2026

Sue Wilson

Chuck was understanding, thorough and knowledgeable about the company. Easily understood my assignment from his instructions and was able to complete all tasks with his quickness on his end.

Thank you for your feedback! We’re glad to hear that Chuck was understanding, thorough, and knowledgeable. It’s great to know his instructions made your tasks easy to follow and complete efficiently. We truly appreciate you sharing your experience.

dianna torres

contacted American for help. I received a call from a woman named Geri who was extremely helpful.. she went step by step.. she explained thoroughly!! She asked if I had any questions before proceeding! I hope my experience with this company turns out as pleasant and helpful as Geri was!

Thank you for sharing your experience! We’re delighted to hear that Geri was so helpful and thorough, taking the time to explain everything and answer your questions. We appreciate your trust in Americor and look forward to providing you with the same level of support throughout your journey.

Karla Keller-Rook

Great customer service and very knowledgeable with all questions asked! I dealt with Greg, and he was very laid back and didn't hesitate when asked a question, overall, a great experience so far with this company and I hope the end game proves beneficial!

Thank you for your kind words! We’re so glad to hear you had a great experience and that Greg provided knowledgeable, easygoing support while answering all of your questions. It’s important to us that our clients feel comfortable and confident throughout the process, and we appreciate you taking the time to share your feedback.

— Americor

Jason Millard

Great customer service and very knowledgeable with all questions asked! I dealt with George, and he was very laid back and didn't hesitate when asked a question, overall a great experience so far with this company and I hope the end game proves lucrative!

Thank you, Jason, for sharing your experience! We’re glad to hear that George provided knowledgeable and approachable support, and that your experience with our team has been positive so far. We appreciate your trust in Americor and look forward to supporting you every step of the way on your financial journey.

Jan. 2nd, 2026

Alejandrina Eduardo

I'm so grateful to have come across this life-changing opportunity. Marc D. was very helpful and courteous. This program will not only help me get out of debt, but it will also allow me to create generational wealth for my family. I'm looking forward to being debt-free and becoming a kingdom financier. Thank you

Thank you for sharing your experience. We’re honored to be part of this life-changing journey with you. It’s wonderful to hear that Marc D.’s guidance and courtesy made a positive impact. We’re glad the program supports your goals for debt freedom and long-term financial growth. We look forward to supporting you every step of the way.

Dec. 29th, 2025

Theresa

What an awesome experience with Americor. Such a simply application to complete with the help of Melinda, a representative, made it easy to understand and added comfort to applying. Looking forward to 2026 is easier to see come in knowing we are on a plan to becoming credit card debt free!

Thank you, Theresa, for sharing your experience! We’re so glad to hear that Melinda made the application process simple, clear, and comfortable for you. Knowing you feel confident and hopeful about the plan ahead means a lot to us. We appreciate you choosing Americor and look forward to supporting you on your journey toward becoming credit card debt free.

J Gr

I would like to say this company in my opinion is far above all the other debt resolution companies in regard to the value the professionalism and the true authenticity of the company’s values and intentions. I had a 10 star experience with Robin D. she was kind generous and the Customer experience given to me, I can’t stop talking about her and the experience I received from her

Thank you, J Gr, for sharing such a thoughtful review. We’re honored by your kind words and grateful that you found our professionalism, values, and authenticity to stand out. It’s wonderful to hear that Robin D. provided such a memorable and exceptional experience—her kindness and dedication truly reflect what we strive for. We sincerely appreciate your trust in Americor and your recommendation.

Morgan Roberts

Americor Irvine delivered exactly what they promised. They helped reduce my debt and handled everything professionally. I could say I’m lucky Kyle Larkin picked up the phone and became my representative — he truly went above and beyond. Kyle explained the whole process clearly, was very polite and professional, and even called me back to check in when I had an issue logging into the app. Overall, Kyle did a great job! I’m very happy and grateful for his help.

Thank you so much for taking the time to share this thoughtful review! We’re thrilled to hear that your experience with our team met your expectations and that Kyle made such a positive impact. Kyle takes great pride in being responsive, professional, and supportive, and it means a lot to know his efforts helped make the process clear and stress-free for you. We truly appreciate your trust in Americor.

— Americor

Ivette Camacho

I just started my debt resolution with Americor, and I worked with Kristina—she was amazing! I had filled out an online form and she called me a few days later. At first, I wasn’t excited to get the call because another company had already told me a bunch of things that turned out not to be true, and I’m still waiting to hear back from them days later. Kristina was the complete opposite. She explained everything clearly, answered all my questions, and helped me finally understand how the debt resolution process really works. Because of her, my husband and I felt confident and decided to move forward with Americor. We’re very happy with our decision.

4 months ago

We’re thrilled to hear that Kristina was able to provide clarity and confidence as you started your debt resolution journey. Thank you for sharing your experience—we’re so glad you and your husband feel positive about moving forward with Americor!

— Americor

Otto Piccardo

I want to express my sincere appreciation for the exceptional support, professional conduct, and patience I’ve received from Michelle Hirsh at Americorp. From the very beginning, Michelle has gone above and beyond in helping me understand and navigate my options. Her professionalism, clear communication, and deep knowledge of the process made an overwhelming situation feel manageable. She took the time to understand my unique circumstances, explained every step in detail, and advocated strongly on my behalf to secure the best possible outcome. Thanks to her dedication and expertise, I feel confident and supported throughout this process. Michelle is truly an asset to Americorp, and I’m extremely grateful for everything she has done for me. I highly recommend her to anyone seeking trustworthy and compassionate financial assistance. OP

Thank you for sharing your experience, Otto! We’re thrilled to hear Michelle provided such exceptional support and guidance throughout your journey. Her professionalism and dedication make a real difference, and we’re glad she was able to help you feel confident and supported. We appreciate your kind words and recommendation!

Nov. 10th, 2025

Gerald Judd NA

Jean Plummer

So far so good, just have to get used to ignoring all the calls from the credit card companies. But Mr. Brandon S put my mind at ease by stating that I can just call them and tell them I’ve been working with a hardship program and that they will be reaching out to them, so it makes it much easier for my mental state. The creditors were very understandable they understand so that makes me feel a lot better about the whole thing, yes my credit score is dropping but that is to be expected for now , so yes I gave them a five star rating because I can reach out to them at any time and they would be right there when I need them.

2 years ago

Laurie Appleton, WI

Thankful for the text messages the phone calls from the lawyers. Also direction and advice on how to handle phone calls and gave me rules of recieving calls from credit card callers they showed me and explained ways so im protected and shouldn't fear collector calls. Mostly gave me peace from worry about late fees and do and donts that this company will do or not so I know who is requesting payments. Best to just not answer and block the numbers is good advice, or tell them your working on getting them money through my lawyers and hang up. Thank you for helping me get on track again after not being employed for months due to an injury.

Julie Kay Gunther

I am close to the end of my program and couldn’t be happier. This has taken a huge burden off my shoulders. No one likes being in debt, sometimes just happens and spirals out of control. To have companies like Americor available to help get you out of trouble is amazing. Recently I had questions on the way things were handled. A top level person David reached out to me. It made all the difference, to have a clearer picture of what really was happening. I’m so grateful for his call, he was so respectful of being in debt, no shame at all. The thing that impressed me most, was he appreciated some of my suggestions and said he was going to bring them to the attention of the leaders in Americor. That really made me feel proud that I spoke up but didn’t bad mouth them in a disrespectful way, and that my suggestions might make someone later understand the process that I didn’t. I pray to God I will never be in debt again and carry that burden of shame. So I hope to not ever have to reach out to Americor again for help, but would recommend it to anyone in that situation. Today I’m three years out of having a credit card and out of debt by the end of Dec, for the first time that I can remember in a very long time. It will be a grateful Thanksgiving and Merry Christmas this year, thanks to Americor.

2 years ago Edited November 27, 2023

We understand your concerns about the progress of your debt settlement program. It can be disappointing when the settlements may not have been as favorable as expected, potentially extending the timeline of the program. Additionally, you may have been anticipating an improvement in your credit score that hasn't materialized as quickly as you hoped.

To address these concerns, we recommend reaching out to us at officeofthepresident@americor.com. They can provide insights into the progress made, explain any factors affecting the settlements, and offer guidance on credit score improvements.

Your satisfaction is important, and we're here to assist you in finding a path forward that aligns with your financial goals.

Sincerely,
Americor

Nov. 1st, 2023

Zachary Crosskno Lubbock, TX

They did a great job getting my accounts settled. They made sure that the payment plans were affordable for me based off the one monthly payment I made to the account I had for them. All the money stays in your name and control. At no point do you lose control of your money. They also have terrific customer service. Each time I called in, (which was usually for clarification purposes or something that wasn't their fault) I was always treated like a human being and not just another call. The only downside to their program is the fees they charge. Once you add those to paying the settlements, you're only saving about 25-35% from the total amount you enrolled. They also collect their fee before paying your creditors. That means it takes longer to get the creditors paid off, delaying your credit score going back up.

Kayla Minton

This process has been amazing but stressful all at the same time!! Yes you have to follow the process, yes your credit takes a big hit but they work hard hand and in hand with the creditors to get the best settlement they can for you!! Just you can’t get discouraged by your credit even if something big happens like having to buy a new car like I did and kept getting denied but I could a another way that I didn’t want to do but I had to just lucky I had that stash for hard times and I know not everyone has that!! Just believe and have faith in God and the process and everything will work out in the end!!

Carlos Corpus Christi, TX

From start to finish the experience with this company and staff was great and life changing, literally. Everything that was said and explained happened just as such. I am truly grateful that I crossed paths with this company. The staff was amazing, passionate, knowledgeable, professional but foremost talking in such a way that everything they said was easily understood not one question went unanswered. All that was said came to pass. As a matter a fact it happened sooner than was anticipated. Thank you Americor. Thank you to the wonderful staff at Americor it’s you guys behind the front lines that make all this possible. Just want to say that I am on my way to a debt free life. Thank you all and God bless you all!!🙏🙏🙏

2 years ago Edited January 23, 2024

Thank you for taking the time to share your positive experience with Americor! We're overjoyed to continue assisting you throughout your journey to financial freedom. Your success story motivates us to continue providing exceptional service. Best regards, Americor

Sep. 25th, 2023

Anonymous

Totally painless. It was kind of a surprising thing to me. I did way more research than I had on any other financial decision I made. Which is shocking because this one is the one that worked vs jumping into loans to pay off credit cards that raise your limits and you're just getting bad situations. This one felt like help and was really awesome. Derek answered every question. Awesome guy, super friendly. I do feel like this was a very human centered, friendly process. Most financial interactions are super cold. He talked me through it, talked about my stuff that went on during the whole thing that merited this situation. It's nice to work with someone who's a person and treats you like you're a person.

3 years ago

Louann

I was reassured by the lady that I talked with that I was not alone in this process. She talked to me for a long time and walked me through the process of what I needed to do and what would happen next. I really have felt like they kind of held my hand through this and really took care of my needs. I didn't feel like I was being pushed to do something. I felt like it mattered to her that I was comfortable with what I was doing and that she was just really there to help me. I'm starting over after a divorce, my ex-husband destroyed my credit, and so this was this was pretty scary to have to start over again. And this company really took care of my emotional needs.

Daniel

I didn't really know what to expect, but they explained everything very well. There was no surprises really. They answered my questions. I had never gotten anything to do with debt consolidation before, but the rumors I heard were not true, which is you have to give them access to your checking account and let them control your money, that's not true at all. And the portal that you're talking about makes it even easier. It's like seamless, not much contact has to happen and they explained that I'm supposed to send any correspondence from my creditors to them, that's easy. Everything about this has been easy.

Americor

The Good

Comprehensive Debt Services

Simple Process

No Upfront Fees

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The Bad

Limited Debt Relief Services

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Americor Frequently Asked Questions

Will I owe taxes on the amount of debt that is forgiven through a successful negotiation?

Will I be able to enroll all of my debts in Americor's program?

Can I negotiate my own debts?

Who is holding the funds I save each month?

Does a debt resolution program help repair my credit once I have completed the program?

Does a debt resolution program affect my credit score?

How long does it take to complete a debt resolution program?

How long does it take before I typically see results?

Can Americor guarantee all of my debts will be successfully negotiated through its program?

How are fees charged and paid in a debt resolution program?

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