Americor

If I could give them less than one star, I would. Please read this review in it's entirety: 1) RED FLAG #1: I found their sales tactics to be misleading. In my experience, just about everything they told me when they hard-sold me into their program turned out to be completely and utterly false. 2) RED FLAG #2: They made false claims to me about a consolidation loan. I spent 9 months in the program and - big surprise - I never once received a single offer for their consolidation loan. When I asked them about this, their response was 'sorry you were misinformed'. So they acknowledged they misled me but won't do anything about it. Just wow. 3) RED FLAG #3: I believe they slow-walk negotiations with your creditors so you stay in the program longer. I had over 14 accounts that were part of the consolidation program. They settled only 2. The other 12 never received ONE single contact from Americor to negotiate or even discuss my account with each. How do I know this? Because I called those creditors myself, and over the span of just 17 days I managed to negotiate settlements on my own with 9 of my remaining 12 creditors (for less than 30% of the remaining balances). I did in 17 days what Americor couldn't do in 9 months. 4) RED FLAG #4: You can't speak with anyone handling your negotiations. Have a question about settling a specific debt? Got a creditor sending you letters saying they willing to negotiate your balance? Good luck trying to talk to anyone at Americor who can help you. You are ON YOUR OWN (heaven help you if a creditor sues you - Americor will do literally nothing to assist you). 5) RED FLAG #5: Cancellation is very difficult. They hide the process to cancel, and once you figure it out they carpet-bomb you with emails and calls trying to convince you not to cancel. I had to tell their phone agent 5 times to cancel me from the program until he finally tapped out and said he would. RED FLAG #6: They re-enroll you after you cancel without your permission. After I cancelled their program, I received a call from Patricia at their office to inquire why. I told her I decided to negotiate my debts on my own (which turned out to work much better than using Americor). Without telling me, she re-enrolled me back into their program without my permission (and I only found out because Americor sent me an email welcoming me BACK into their program later that same day!) That's called Fraud, folks. Summary: If you have a few debts with some major credit card companies or lenders, and your balances are under $20k, and you're either too afraid or too intimidated to talk with your creditors on your own to negotiate down your balances, Americor could be a good option for you: They might get some debts settled for you while they bleed you out of a LOT of fees you could have saved if you did it yourself. However, if you know how to use a phone, have an IQ higher than a squirrel, aren't scared to talk with your creditors directly, and can handle negotiations 101, then let my experience be your guide: You don't need Americor - you can settled your debts on your own and save a TON of fees you would pay to a company like Americor. Moreover, Americor (specifically) is not an ethical organization (just google 'Americor Lawsuits' and you'll see for yourself). I strongly recommend you do NOT work with Americor. And don't just take my word for it - do your own research. Do your own due diligence. And then ask yourself the obvious question: Do you REALLY want to do business with a company that admits to using misleading sales tactics, that admits they deliberately delay negotiations with creditors, that admits they misrepresent to customers about consolidation loans - and who will fraudulently re-enroll you back into their program after you cancel? Can't say you weren't warned to stay away.

I Reached companies this one looked.sincere, not phoney. I sent.a.monthy amount they on turn reached agrements with.the various clients. Very satisfied

Kobe was very professional, answered all my questions, and was very knowledgeable on my entire process. He was very helpful guiding through this process.

They've been great! I was a mess trying to figure out how I was going to get out of debt. It's been a relief to have a company that is willing and able to work for me.

Provided a thorough education of the program , as well as detailed information of the process. The information was supported by video and further follow-up.

I love the idea of n having some financial freedom and not being burdened by so much debt however, not paying creditors are scary because I am diligent about my financial obligations and the thought of not paying them seems like a bad choice. I have to think about this before I fully consider joining this process.

The representative was very knowledgeable and polite. If everything goes well then, I then would recommend them if asked how to handle credit card debt

I can’t believe Americor got a settlement on one of my cards in less than 30 days. I only wish it had been at the 40-50% range as discussed. I’m ready to see more settlements.

Is one of the best Companies, they fixed my problems in a short time. I am very happy with the progress and the way they take care my cases. Thanks AMERICOR.

Very informative on each step That was in my best interests. Amy seemed very compassionate on my wife and I situation that got us in financial hardship. Thanks

The representative was very thorough and did not make me feel like I was being pressured in any way. He made sure that I understood what he was telling me.

Ron H is a great person to deal with. He is very knowledgeable and very nice to talk to. He understands what you need and want. He treated us with great respect.

John was my representative and he was very thorough and patient with me. I appreciated his knowledge and compassion to help me change my financial situation.

My consultant Jay was wonderful and extremely helpful. I liked this program because it was a government program, and Jay worked with me and made the whole process painless.

Truly wonderful. Great customer service. Informative. Friendly. Honest. Settlements much lower than I thought or expected. Every one less than what was truly owed by alot.

They were concerned, helpful and caring. The phone conversation was explicit about how they would help me over come my hardship. He thoroughly explained any questions.

Jay was a great help. He put me at ease and answered all of my questions. He even made it clear that he will be my point of contact for any questions.

I love it they have been very helpful Bret S is a great guy to help you out with your financial skills . I really recommend this Americor Company. Good job

Eric explained everything upfront. Told us what to expect and how the process will work. Told us how this would affect our credit over time. Step by step page by page.

I very honestly can’t think of anything other than a seamless, professional and educational experience. I would and will recommend you all going through a difficult period.

I like that Americor has a great website that is easy to navigate. There is a wealth of knowledge at your fingertips to help you understand your steps to debt settlement.