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Americor

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9.2

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Amanda Hempstead, NY

I mean, it's never easy realizing just how bad your financial situation has gotten. For me, after my husband lost his jobs going into Covid, I basically went into complete denial on how far we were sinking into debt. So when push came to shove and I finally crunched all the numbers, it was debt consolidation or bust. Americor made the process of debt consolidation accessible and straight forward. They handled all the communication with my prior financial institutions, and even took care of the relentless phone calls. They've always been incredibly professional, kind, and understanding. And much to their word, now that I'm over a year into the program, my credit score has gone up, I'm on the road to being completely debt free, and overall, things are just better :) 10/10 would use again. But ya know, I hope I never have to use them again lol

3 years ago

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Hayward

Extremely trustworthy, made me very comfortable. I trusted him, he was just like the average Joe talking to me, he didn't over talk me or make me confused with finance, so I trusted them a lot. I'm very happy right now because I was able to speed it up a little bit because all my payments were on time and I was able to pay for debt relief loan that they offered and we did all of that pretty quickly and I'm very happy how everything went. I've paid most of my debt all through Americor and it went pretty quick. It would have cost me twice as much if I had to try to do it on my own and they made me very, very comfortable. They answer every question that I had, they were always available and they kept alive the communications. I never felt like I didn't know what they're doing.

3 years ago

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Kelly

I have been dealing with some issues from the divorce. One of my credit cards was sueing me and the gentlement I worked with went ahead and did a refinance with my debt consolidation loan. He was able to work out that I didn't have to provide all the paperwork the credit card company wanted - because I went from a joint checking account to a singular checking account. So I thought that was fantastic. My claim was dropped as far as being sued by the bank. The only thing i was upset about was that they took care of the credit card with the lowest balance first instead of the highest (which is the one that was sueing me). And because we couldn't pay off the higher one, that's why I ended up being soon. So I wish they would have worked on the higher balance one first or all at once a little more patiently. Americor keeps me up to date where I stand as far as when they make the payment for each credit card, how many payments I have left, and they have one paid off before they move onto the next one. I would recommend them. I personally didn't want to go this route, but I had to do something and they are wonderful to work with.

3 years ago

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Aris-Rose

Taking that step to get help will relieve a lot of stress, but also knowing that others are in the same boat so there's nothing really be embarrassed about either. So far I've had a lot of good consistent communication, a lot of good tools and resources emailed to me frequently. I love that they have the app as well so I can go in and take a look at current standings and different resources available as well. I've worked with Sean and he was super diligent and thorough in looking through my actual credit report and then helping me to find the best plan of action to help decrease the overall debt.

3 years ago

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Jaelisa

I'm glad that I got the letter in the mail about Americor. I wasn't sure about the company before. I would definitely recommend anyone to call americor and just be as honest and upfront as possible with them about spending habits and what loans you have out there because regardless, if you do decide to go with them or not, they're going off to check your credit and that's going to help give you understanding of what's really coming out of your account of what you have to pay. So I would just say if you're really trying to get better financial ability for yourself in your household I would recommend americor. My agent's name is Derek and he was very knowledgeable and made it pretty simple. It was very helpful.

3 years ago

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Rebecca

Even after the initial set up you expect excellent customer service members getting everything set up. Follow up care was exceptional. If I contacted them right now they would answer me promptly. The only issue we currently have a debt collector were the debt been settled but we're still getting calls and collection notices to we're trying to get that resolved right now but that's not through any fault of americor but the actual service itself. Americor got things taken care of it, it was exceptional what happened on the schedule. There were no hiccups. It's a pretty simple system, the portal was easy to maneuver. They have everything solid, I think it was a nice job. They were exceptional.

3 years ago

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Jonathan

Everything moved very swiftly according to their promise. I was able to get on a payment plan in a relatively short period of time. It is all paid off. I am glad I don’t have to worry. I would recommend Americor. Often times the cost of the service is the same amount as the debt you are trying to get rid of but in the case I didn’t have to shell out a large amount of money. I am completely satisfied. It is a great service. I feel very comfortable working with them. I didn’t see anything to make me think they were untrustworthy. They built on their promises. It is thoroughly better than bankruptcy.

3 years ago

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Anonymous

I have no reason not to trust them. They need to give clearer answers when customers ask questions. A couple of times and I felt like I wasn't quite getting a clear answer but otherwise everything was great. Just do it sooner rather than later and follow the advice of not making any large purchases while you're doing that negotiation that helped me a lot with mine. They were always good about communicating with me with any changes that came along they would try to contact me in any way possible. To make sure that it was clear what they were doing and why, say yeah I was happy with that. Everybody was always really kind and friendly.

3 years ago

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Whitney

They have always been really helpful. Whenever I need help, they are able to answer my questions right away and they are kind over the phone. They are encouraging and nice to talk to. The plan is really good. They do everything. It helps you in the long run to take of you finances. The company is very people oriented. They listen to you and care about your stories. I really appreciate the help they have given me and the kindness. It has been a good lesson for me to learn. I can upload all my documents onto their secure site. You can trust them. I would recommend them to my friends if they were to come to me asking for that kind of help.

3 years ago

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Nellie Wieferich Clayton, NC

American provided the best possible solution to my financial problems...they explained in detail what they could do and what I would be expected to do...there were no hidden surprises like special fees or unplanned expenses...everything was made clear for me to understand and followed to the letter...and to boot,, they resolved my debts long before the end of my payment schedule offering to arrange paying all debts off with a loan thus boosting my credit scores long before they would otherwise go up...and the loan was no more unaffordable or mysterious than Americor's original contract...can't recommend them highly enough!!!

3 years ago

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Chester

Very very thorough. Everybody that works together has called me and and help me out with answered any question I had. The gentleman that is taking over my case has been ready to call me, he's available anytime I need him, if I send him an email he answers very quickly and has information and whatever else I may need. They were very honest and upfront with me and explained to me exactly what I needed to do as far as getting in contact with the credit card companies. It was easy to get signed up, it was very quick and very very simple. I would definitely recommend it to someone that's in the same situation that I'm in.

4 years ago

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Reply from Americor

Hi Chester, thanks for this review! We're happy to see our team has provided you with exceptional service thus far and we're glad you chose to enroll with Americor to help you become debt free!

Nov. 29th, 2021

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Mary Reising

They made me feel secure in our decision to work with them. The comfort of having a cup of coffee with a good friend who was on your side!

3 weeks ago

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Margot Hernandez

Best experience I’ve had by far this interaction made everything super easy and super quick something I was not able to get through email and I am so happy.

1 month ago

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Reply from Americor

Thank you so much for sharing your experience! We’re thrilled to hear that our team made the process quick and easy for you. We truly appreciate your kind words and are happy we could help! 💙

Oct. 23rd, 2025

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Collura Jim

Being in the program for just over four years, I have to say this was one of the best interactions I have ever had with any company. Great customer service, very professional and always have answers for any of my questions.

2 months ago

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Reply from Americor

Thank you for sharing your experience! We’re honored to have supported you for over four years and thrilled to hear this was one of your best interactions with any company. We appreciate your kind words about our customer service and professionalism.

– Americor

Oct. 3rd, 2025

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Payton Wright

Chad C made the whole process easy and stress-free. He explained everything clearly, kept it friendly, and made sure I felt comfortable the whole time. Highly recommend him and Americor!

2 months ago

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Reply from Americor

Hi Payton, thank you for sharing your experience! We’re thrilled to hear that Chad C made the process easy, clear, and stress-free. We’ll be sure to pass along your kind words—he’ll be delighted to know you had such a positive experience with Americor!

Sep. 30th, 2025

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Sydney Clark

Chad C made the whole process easy and comfortable. He explained everything clearly, kept it personal and friendly, and made sure I understood each step. Highly recommend him and Americor!

2 months ago

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Reply from Americor

Hi Sydney, thank you for sharing your experience! We’re thrilled to hear that Chad C made the process easy, clear, and friendly. We’ll be sure to pass along your kind words—he’ll be delighted to know you feel confident in working with him and Americor!

Sep. 30th, 2025

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Ladislav Havelka

I had a good experience working with Chad C. He explained the program clearly and offered practical guidance on managing my debt. Overall, I felt supported and informed throughout the process.

2 months ago

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Reply from Americor

Thank you for sharing your experience! We’re glad to hear that Chad was able to clearly explain the program and provide practical guidance. It’s wonderful to know you felt supported and informed throughout the process. We appreciate your feedback!

Sep. 15th, 2025

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Valerie Martinez

Chad C. was amazing, he’s very helpful! It was so nice talking to someone who was very understanding about my situation and very knowledgeable about his job. I felt very comfortable relaying my information and hardships to him. Thank you so much!!

3 months ago

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Reply from Americor

Thank you so much for your thoughtful feedback! 🌟 We’re thrilled to hear that Chad provided such helpful, understanding, and knowledgeable support. Making you feel comfortable and cared for is exactly what we strive for, and we’ll be sure to pass along your kind words to him. 💙
-Americor

Sep. 5th, 2025

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Candi Caudill

Kristen is fantastic! She took an embarrassing situation and gave new light to us. She educated us, took time to answer our questions and even shared some laughs. I can’t express my gratitude for help. ⭐️ ⭐️ ⭐️ ⭐️ ⭐️

3 months ago

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Reply from Americor

Thank you for sharing your experience! 🌟 We’re so glad to hear that Kristen was able to bring light, understanding, and even a few laughs to what can often feel like a difficult situation. Your gratitude means so much, and we’ll be sure to share your kind words with her she’ll love knowing the positive impact she made! 💙⭐
-Americor

Sep. 5th, 2025

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Susan Musselwhite

Joy S is an absolutely amazing person and was so kind to me in reviewing options available to me. She is very patient and I am sure is that way to all. I was able to go another route which better fits my needs at this time but please know what an outstanding and caring employee you have. Kudos to her!! Joy S is amazing to work with!

3 months ago

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Reply from Americor

Wow thank you so much for sharing this! 🌟 We couldn’t agree more Joy S really is absolutely amazing, and we’re so happy to hear how patient, kind, and caring she was in guiding you through your options. Even though you chose another route, knowing that Joy still made your experience a positive one means the world to us. We’ll make sure she sees your kind words she truly deserves the kudos! 💙
-Americor

Sep. 8th, 2025

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Charlotte Gray

Jocelyn was very kind, patient and very understanding of the sensitive nature of my situation. She could sense that I was in tears discussing my situation and she calmly assured me that she was there to help. Most of all, I truly appreciate her treating me like a person. She is absolutely amazing!

3 months ago

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Reply from Americor

We’re so grateful for your kind words about Jocelyn. We understand how emotional these conversations can be, and it means so much to hear that she was able to provide comfort, patience, and understanding. You are never just an account to us you’re a person, and we’re here to support you every step of the way.
-Americor

Aug. 27th, 2025

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Diane J

Customer Review Video

3 months ago

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Reply from Americor

Thank you so much for sharing your experience! 💙 We’re thrilled to hear Melinda’s kindness and compassion made such a positive impact. She truly is a valued member of our team, and we’ll be sure to pass along your gratitude. We’re honored to support you on your journey!

Aug. 4th, 2025

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Streiff

Wonderful experience helped me do everything I needed to do. It was very quick and kind and did not pressure me into anything and let me make my own decisions which really helped. I needed to make some changes with my account and she was more than happy to assist me and made everything feel very seamless and easy. I just hope that all your employees learn to be more like Brianna.

4 months ago

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Reply from Americor

Thank you so much for your kind words! 🌟 We're thrilled to hear that Brianna made your experience seamless, respectful, and stress-free. We'll be sure to share your feedback with her and the team—she truly is a shining example of what we strive for every day. 💙

Aug. 5th, 2025

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Sharonda Beasley

I just wanted to say that Dana S, is an amazing agent. She called to do an update on my progress in the program. During our call I started to have doubts about continuing with Advantage Law. Dana took her time and explained EVERYTHING to me with So much patience. After our conversation, I had so much more knowledge of what I was getting myself into and everything was so clear and made so much sense. Thanks again Dana S for being very knowledgeable about you Company and for being an Awesome Agent.

4 months ago

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Reply from Americor

Wow, thank you for the amazing shoutout! 🌟 We're so happy to hear Dana S. was able to guide you with clarity and patience. She's truly one of a kind, and we're lucky to have her on the team. We're thrilled you're feeling confident in the process onward to financial freedom! 💪💙

Jul. 31st, 2025

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Stephen Joshua Goolsby

I couldn’t be happier with Americor. After experiencing serious medical issues following COVID, I had to seek out-of-network medical care, which I paid for using credit. The resulting debt became overwhelming, so I turned to Americor to help me start my journey toward financial freedom. While it will take some time, I truly feel that I’m in the right hands. They not only work with you to get out of debt, but they also show genuine compassion and truly care about your well-being.

4 months ago

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Reply from Americor

Wow thank you so much for sharing your journey! 🌟 We’re honored to be part of your path toward financial freedom, especially after all you’ve been through. Your resilience inspires us, and we’re proud to stand beside you every step of the way. Here’s to brighter days ahead we’ve got your back! 💪💙

Jul. 29th, 2025

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Janice Jackson

I really loved the customer service here at Americor. Each time I have called I have had exceptional service not only professional but friendly as well. I would recommend this company to all of my friends who need it. Thanks Americor for being here all of us go through something every now and then and it’s nice to know that there is options out here and this crazy world Thank you

4 months ago

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Reply from Americor

Thank you so much, Janice! We’re truly grateful for your kind words and recommendation. It means a lot to us to be here for you and others during challenging times. Our team works hard to provide professional and friendly service because we know how important support and options are when life gets tough.

If you or your friends ever need anything, we’re just a call or email away.

With gratitude,Americor

Jul. 24th, 2025

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Exzayveon Banks

Carolyn S, left a sweet taste in my mouth with such excellent customer service provided on our recent call 7/16/25. The way she kept me updated throughout the entire call as to what she was doing with my account and making it seamless really reassured me that she really cares. Nice communication skills, great professionalism and nice attitude and confidence on resolving my concerns and helping me also understanding what you did for me as a recap. Thank You

4 months ago

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Reply from Americor

Wow Carolyn really brie-ghtened your day, and your kind words just made ours! 😄 We're thrilled she left a sweet taste with her top-tier service, smooth communication, and caring approach. That’s the kind of grate experience we always strive to serve up!

Thank you, Exzayveon, for taking the time to share such thoughtful feedback. We’re lucky to have Carolyn on the team and even luckier to have clients like you! 🧡

Jul. 17th, 2025

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Marcia Duran

First I would like to thank Evette for taking her time to go over the process of helpingme understand how to reduce my debt. She was very thorough, patient, thru the whole process. Any questions I had, she answered and did not rush me thru the process. Yes I will probably have more questions as things get set up and start making payments but I feel this was the right way for me to go to get out of debt safely. I appreciate everyones help . Thank You Evette and Kyle Many thanks to Evette anf Kyle.

4 months ago

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Reply from Americor

We’re absolutely thrilled to hear this thank you for sharing such thoughtful feedback! 😊 Evette is truly one of a kind, and we’re so glad she was able to walk you through everything with care, patience, and clarity.

Starting a debt-free journey can feel overwhelming, but you’re not alone. We’ll be here every step of the way to answer your questions and support you as things get rolling. 🙌

Thank you again for trusting us — you’ve made a strong and empowering choice, and we’re honored to be part of it! 💪💙

Jul. 17th, 2025

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Nancy Moye

I needed to make a call today with the question I had about adding an account I spoke to Cyri H. I could not have been more pleased. I thought it was very complicated. What I was asking her to help me with, and she was perfect in her explanation and her thoroughness and made me feel very comfortable. When that call ended. She helped me from beginning to end, and I was so pleased with the service. This company employee some of the best representatives out there. I’ve never once had a bad experience and especially today, I left feeling so comfortable that I joined Americor!

4 months ago

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Reply from Americor

Thank you so much for sharing your experience! We’re thrilled to hear that Cyri H. made what seemed complicated feel clear and manageable. She truly cares about guiding our clients from start to finish, and your kind words mean the world to us.

We’re honored to have you as part of the Americor family and look forward to supporting you every step of the way!

Jul. 17th, 2025

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Amber

Jesse M gave me the best experience in customer service that I’ve ever had. I was so impressed with her very polite knowledgeable. She went above and beyond I come from 20 years of experience in banking. I feel she deserves a raise promotion paid vacation whatever you can give her because. My experience was with her no question was too small or too bad. I will recommend her to everyone.!!!!!

4 months ago

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Reply from Americor

Wow! Thank you so much for such a fantastic shoutout for Jesse M! Coming from someone with 20 years in banking, that means the world to us. We’re thrilled she could provide service that not only met but exceeded your expectations.

We’ll be sure to pass along your kind words — Jesse definitely deserves all the praise (and maybe a little extra, too)! Thanks for recommending her and Americor; we’re honored to support you on this journey.

Jul. 17th, 2025

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Manny and Barbara

Suzie P was so helpful when we told her about a very difficult situation in our lives which was making our financial situation impossible. Ms. P listened and advised us without any pressure what Americor could do for us. We are in our late 70's and could not find a way we would be able to solve our situation. We never felt any embarrassment or pressure. Ms. P was so wonderful, and we will always be grateful to her and to Americor for their help.

4 months ago Edited July 17, 2025

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Reply from Americor

Thank you so much for sharing your experience. Suzie P truly embodies compassion and understanding, and we’re so grateful she could provide support without pressure during such a difficult time. It means the world to us to know you felt respected and cared for throughout the process.

We’re honored to have been part of your journey and are here for you every step of the way. Thank you for trusting Americor — your strength and courage inspire us all.

Jul. 17th, 2025

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Kenneth D Smith

Michelle was an absolute pleasure to speak with. She guided me through the entire enrollment process with very clear explanations and answered all of my questions and concerns. She shared her own experience which really motivated me to take this first step. I was so stressed and now I can breathe a sigh of relief. Thank you Michelle and Americor !!

5 months ago

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Reply from Americor

We’re so happy to hear that Michelle made your experience such a positive one! 🌟 She has a true gift for turning stress into relief and guiding with heart. 💬❤️ Hearing that you can finally breathe a sigh of relief means everything to us. Welcome to the Americor family — we’ve got your back every step of the way! 💪😊

Jul. 2nd, 2025

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Trystan Wirebaugh North Webster, Indiana

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1 year ago

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Gwendolyn

I like Americor from the start of my conversation with them ,they made me feel at ease about my situation with my credit and bills,they were always willing to talk to you and being up front about everything you will be doing ask the process begins.I am glad that I called them and I am not worry about how long it will take me to finish this process and I’m not looking at my credit score right now .If there’s a problem with anything I can call and talk with someone anytime.I like that.

2 years ago

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Leigh

I did recommend a friend to Americor and she went with them. I can't remember the girl's name, but I usually talk to her and she, she's very understanding. She talks to me and she explains things to me as far as you know that this is going to go into effect. She's a very pleasant person to deal with. They're not out to overcharge you on your payments and stuff like that. I make two payments a month and it's reasonable to where I can afford it and not have to worry about how I'm going to pay. It's always been taken out with no problem and it's not too high.

2 years ago

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Martha Gastonia, NC

Americor is the best. They told me my credit would take a hit, it did, but now it's climbing and it's getting good again! It's really important to make your payments on time, everytime. I think that's the key to restoring your credit score. Americor keeps me informed of everything. They handle everything, lawyers, letters, threats, they handle it all. They have been a Godsend.

2 years ago Edited November 20, 2023

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Nadeem

I can trust them. They call. They explain you everything good. They are good communicators. Everything is simple and same payment. They check with your income, everything and they do everything how much you afford it. But they try to give me the loan option and they should start with debtors, make sure everything done. Then they can give offers so that below less amount of loan that be easy for the people.

2 years ago

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Rose

I guess all I can say is it's been all right. I just wait to hear from my creditors regarding settlement. But I saw in the e-mail that I got today that those letters of settlement usually don't come until after six months. So I'm just being patient and making sure that all my money is always there if you go into the account. They're there if I call them - I get answers when I have questions and I check my portal. That's usually up to date and it's been okay. I trust what's going on.

2 years ago

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Vincent Gambino

Like the customer service team and calmly explained how their process works. My agent Francesca has been very nice to me, very professional and helpful to me. My agent has put confidence back into me and I have the confidence to watch the way I will be debt free. It’s easy to get into debt and with the help of my agent she has provided me with great insight on how to manage my finances better.

2 years ago

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Bobbie Johnson Cincinnati, OH

I like because they accepted me so quickly and that they have paid on my creditors but I'm dissatisfied with the amount each of my creditors are getting. I'm a little dissatisfied with the amount that they are paying my creditors on my behalf because I'm still left with balances that are not in reach for me to pay, it's just like putting a Band-Aid on a on a sore. I wish they would communicate a lot more and try to get more from my creditors to help me out, in other words them paying my creditors I still have a fairly large balance to pay afterwards. Don't get me wrong I really like that they accepted me and offered to help me pay my creditors off but I'm disappointed because they're not getting more out of my creditors than I thought so it will help me. My two most expensive bills that would that would take years to get those paid off the way that they are going about it so that's why I had a relative that offered to help me pay two of my creditors off.

2 years ago

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Bryan B. Honolulu, HI

I love that they were so impressionable, it was like talking to a friend rather than a robotic person reading from a script. They explained the process in terms that I could understand. They gave analogies that made total sense to me. There’s always someone I can reach out to and their portal is very easy to use. I know I’m still far from the finish line, but I’m very comfortable and confident that I’ll get there. Also with the piece of mind that lawyers, specialists and agents are right there every step of the way. Can’t wait to complete the journey!

2 years ago

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Laurie Appleton, WI

very helpful and a wealth of knowledge. They were able yo answer all my concerns and questions. I have had numberous follow up calls from Americor and their Lawyers. I truly dont feel left behind. I appreciate this Company being in constant in touch as this can be a scary time when a life changing event caused a drastic change in how your outstanding bills are paid. they have helped so much. Im very Grateful.

2 years ago

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Reply from Americor

We're delighted to hear that you're satisfied with our services! Your feedback fuels our commitment to delivering top-notch solutions. Feel free to recommend us to friends and family. Best regards, Americor

Sep. 25th, 2023

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Deborah Honolulu, HI

Always kept updated about my account. All my questions answered by friendly and professional men or women. Americor makes me feel safe about making my decision to use their services! I increased my deposit amount so hopefully I can be completed with the program sooner than they stated. I worry all the time if I am doing or have made the right choice, and then later that day or the next I am receiving a settlement offer! I have 3 settled and 1 more to go. I trust and believe in Americor!

2 years ago Edited January 22, 2024

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Reply from Americor

Thank you for the stellar review, Deborah. The Americor family will always be glad to assist you. Best regards, Americor

Sep. 25th, 2023

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Queen

It's a good experience. They always explain everything to you. You don't have to ask them. Basically they explain what what the interest rate you will wind up getting, how much you would have to pay out at the end. Anything basically that you ask them, they will give you your answer. They don't have hidden costs that you're going to have to pay them something, so they'll tell you what it is if you ask them. It's a good experience.

2 years ago

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David

They have been very knowledgeable and helpful. I was glad I came across this company because they're helping me out tremendously to get back on my feet. I truly appreciate it. They're very responsive, they call to keep me in the loop. They text me if they can't reach me by phone because I work crazy hours and I'm everywhere. They made me feel really at ease so I let them do what they need to do to to help me out.

2 years ago

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Marissa Lynn Indiana, PA

Pleased is an understatement. They were calling me multiple times for a few days, I was hesitant to answer & then I decided to answer & it was the best decision I could have made! I was expecting to be let down during the call & come to find out, the call was more than I expected, it was a call I needed. The customer service was top tier, the process was smooth, it was overall great. Thank you guys so much, especially Peter who I spoke with during the process!!!!

2 years ago

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Aliyah

The associate that I dealt with when my account and information was being set up was extremely personable and just made everything really easy for me. It was really convenient and I didn't have to ask a whole lot of questions, everything was good. I would recommend anybody to go through these guys for sure. They've been extremely helpful and I haven't had anything go wrong. They're doing exactly what they're supposed to do with the agreement that we had.

2 years ago

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Malik

Look into AmeriCorps because they're definitely helping me out and I feel as if they could help me out and that they can help you guys out as well. I felt as though the representative that was on the phone was very knowledgeable of their products and services. They try to provide me that information that I was asking. So far my experience been very good.

2 years ago

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Joyce D King Indianapolis, IN

Although I ultimately decided not to go forward with the debt resolution plan, every Americor staff person I interacted with (at least 4) I give each five stars for professionalism, program knowledge, empathy & kindness. Mariam especially, (who handled my intake interview) I would give 10 stars if I could. She is a splendid human being and a great credit to Americor.

2 years ago

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Paula Starck Allport, PA

Well I was under the impression I was going to b debt free in 3 years and it's going to b closer to 5 years now! I made payments to Americor for 8 months then was offered a loan to pay off all of the companies I enrolled in the program. I was told about what they thought they could settle my accounts for which was about half of what I owed. But what I didn't realize was the half they negotiated was how they get paid. So I now have a loan to pay off plus the interest rate is high! They say if I keep up with payments they sometimes offer to refinance at a lower interest rate, or I can seek a loan thu another company to pay off. But I don't think any other companies will offer a good rate after going Thu the long period it took to negotiate so my credit score went down by 100points! It's a hard thing to think about because I've struggled for so many years to get my score to b at a 700! I've been thu a lot and I will get thu this too it's just that I was depending on that 3 year mark and that's outa reach now unless I could increase the amount of my payments but I most likely can't do that because of the cost of living and being a senior we don't get an increase in our income! And I retired on disability so I can't work to make extra money. I know I have the peace of mind I will get there and the collection calls have stopped but it was constant for awhile!

2 years ago