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!

4 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.

5 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.

5 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.

5 months ago

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User Reviews

Star Rating

4.9

7,879 Reviews

Review Breakdown

5 grade

79%

4 grade

11%

3 grade

2 grade

1 grade

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charles nyarko

At a point when I became very frustrated with this program and wrote a long email expressing my disappointment and displeasure, Linda took the time and had the patience to explain everything to me in a very clear and concise manner. Her explanation vis email gave me the assurance that I am on the right path to financial freedom and encouraged me not to give up but to trust the process, because it truly works. Thanks Linda.

1 month ago

Reply from Americor

Thank you so much for sharing your experience! We’re thrilled to hear that Linda took the time to explain everything clearly and help restore your confidence in the program. We truly appreciate your trust and are so glad you’re continuing on your path toward financial freedom. 💙

Oct. 24th, 2025

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Verified Customer

Janet Phoenix, AZ

I liked it at first. But…..I was told to “trust the process”. In this “process” I got sued twice. Sent in the legal docs, court dates came and went, I lost the case - of course - but then they garnished my wages. And STILL no one contacted the 2 creditors who now have judgements against me and are garnishing my wages. Once I finish paying off one, the next one kicks in. Yet, no one has contacted them IN 18 MONTHS. Not once. When I ask them about it they say “ well, there’s nothing we can do now”. So, I sent in the docs regarding the garnishments to have my monthly payments reduced - you know, since I’m now paying another $300 a month off my paycheck in addition to my monthly payment - and 2 months later, still nothing from Americor. No reduced payment. If you call, you’ll get someone who is basic call center trained who can’t tell you anything helpful. They know nothing of the process. In fact, one of the creditors who now has a judgment y against me for the full amount I owed, offered me 40% of the debt to settle. I asked the agent I spoke to and she said “in my experience we can do better than that”. Well, guess what? No one even contacted them so now I’m $2000 more in the hole. What do I pay them $100 a month for again? My credit has taken a 200 point hit - not the “70 or so” from the videos and literature they send in the pitch. I would have done better to file for bankruptcy and will have been well on my way to repairing my credit. Lenders seem to be more forgiving of bankruptcies rather than credit ratings like I have now. Plus, why am I paying them $100 a month to not even contact all my creditors?? I should’ve gone with a non-profit, but I fell for the sales pitch. So annoyed. Go with a non-profit, 100%!!

2 years ago

I want to sincerely apologize for the frustrating and distressing experience you've had with our services. Your feedback is incredibly valuable, and I want to assure you that we take your concerns seriously. I'm truly sorry for the challenges you've faced, and I understand the impact it has had on your financial well-being.

Your situation is not reflective of the level of service we aim to provide, and I'm sorry for the lack of communication and resolution regarding the legal matters and wage garnishments you've experienced. I can only imagine the stress this has caused you, and I genuinely regret any inconvenience.

To address your concerns and provide a swift resolution, could you please provide your account details or contact information via private message? This will allow us to review your case thoroughly and take the necessary steps to address the issues you've raised. We kindly request that you reach out to us directly at officeofthepresident@americor.com.

I want to assure you that we are committed to making things right, and your satisfaction is our top priority. We appreciate your patience as we work to resolve these issues and improve your experience with us.

Thank you for bringing this to our attention, and I apologize for any hardship you've faced.

Sincerely,
Americor

Dec. 27th, 2023

Chad

I like how they do all the leg work involving the settlement of accounts. I dislike how they take fees from you for every thing they do. And they try to force you to drag out the length of the program. I was told it would take approximately 3 years. They just got a settlement offer for final card and they want me to go another 2 years. That’s so unprofessional. The overall experience has been ok. They say that you have control over the dedicated account, that’s not true. They say in order to present a settlement offer, you have to have at least half of what the settlement amount is. Again, shouldn’t matter if you are trying to force people into being in the program longer so that you can collect more fees from them. The purpose of debt consolidation, is to relieve stress from the customer and allow them to get back on their feet sooner. You should look into charging a one time fee, for resolving all accounts, and make that fee dispersed over the length of time in program. Would I recommend Americor, I would suggest people to look at others as well. I made Americor my choice on a very short notice and was very unwavering in the beginning. I’m thankful for what they’d done for me, but don’t like being dragged down another 2 years.

Greetings. Thank you for taking the time to share your experience with Americor. We strive to maintain honesty and transparency, and we are disappointed to hear that this was not your experience. We take your feedback seriously and value our customers' trust above anything else. Unfortunately, we cannot locate your contact information based on the provided details, preventing us from reaching out directly to address your concerns. Please get in touch with us via email at officeofthepresident@americor.com so we can better understand the events that took place and work together on a resolution. Thank you for bringing this to our attention. Best regards, Americor.

Sep. 25th, 2023

Faith

I had 3 credit cards. Americor made agreements with the two right away but the third they waited and they kept telling me that I had to get more money in my account. But then I got a notice from that company. They were taking me to court. The first couple times I called Americor nobody said anything, but I finally called in desperation the week before I was supposed to go to court and the person I talked to that time put me on to a solution, she was great. I have a lot of stress in my life and I didn't need the stress of worrying about getting sued in court and it was taken care of and I'm happy with it. But I don't understand why when I called earlier when I first got the first notice about court, that the person I talked to at that time did not put me on to this. I'm happy with the settlement. I just don't understand why I had to go through all this stress, why nobody told me until the week before I had to go to court.

Daniel Frixione Norwalk, CA

Jeffrey was excellent from the beginning to end and so every time I called customer service they were very efficient but a female specialist was supposed to call me in two different dates to do the "welcome call" but has not been punctual with the date and time and I've to reschedule work recesses for nothing but I understand if they're not customer service so therefore only a few few people are in that department maybe customer service or perhaps Jeffrey could've done the "welcome call" or a video should do the job and clients can call back iiifff they have any questions and if not we all can move on with our daily schedules

Jean Mabis Fort Myers, FL

I really don't know exactly what to think yet as it has been a rather short time. I would like a bit more contact for example to say things like we have sent this communication to your creditors, listing the creditors and the specific communication and date sent. In addition I would like to see any return communication from the creditor, perhaps set up in a grid form. There really needs to be good documentation provided all along the way. And with each grid a reiteration of the steps to be taken by the client should they be contacted by a creditor. If this sort of documentation is being provided it isn't obvious enough for me to pick up on. I have a great many things going on at this time that are proving quite challenging for me so I hire others to do those things I can't. However it is still my responsibility to be sure those things are accomplished.

3 years ago

Denise

I told and told them I'm on disability and they wanted the payment to come out of a different account, to open up an account so I can just put that single payment in there. Since I'm on disability I do not have two banks account so they are not happy with me about that because I cannot have two bank account being on disability. Other than that I'm not getting any information other than "check your portal" and I look at my portal and update what needs to be updated and I never hear from them. They're nice to talk to but I'm not opening another account just to get in trouble with disabilities. I follow disability rules, not Americor rules, and she shouldn't have accepted me as I had to open up another checking account. She got kinda nasty with me so I canceled the whole thing.

Danieka

I had a payment for one of the credit cards that they said that they will take care of I had a payment come out of my account. When I reached out to them to possibly get my payment date pushed back because I had already paid the credit card. They told me that I wouldn't be able to push it back I would have to double up on the payments and that is not something that I can afford. The reference representative was saying that she would have to cancel my application all together because I can't go more than thirty days without making a payment. So she gave me a number to call to cancel it. I called that number back in on the phone number that you could push it back without making me double up payments and it'll be taken care of beautifully, but it could mean two phone calls to get it done. It wasn't a convenient program for me.

Thea

They are very nice, very kind and they hear me out and I appreciate that. They created a program for me to pay my debt off in a longer time frame with lower interest. When I first set up my account they took a payment from me sooner than they were supposed to, so it really set me back financially as it made my account overdraft $41.00 and made my account negative. But they actually gave me the refund of the $41.00 because that's the payment my bank took and Americor gave it back. They have given me stress relief knowing that I won't have to pay out all the payments that I have been making that have been so stressful and overwhelming.

Antonia

I haven't seen the funds released to me yet. When I first signed up for americor this guy was helping me and I had a question for him and he still hasn't responded a week and a half later. But the other times I called customer service I got a response within minutes. I recommend so far, I wouldn't recommend the customer service but I feel like what I'm paying every month is reasonable. Some of the processes are hard to understand and some of the tutorial should be made simpler. Because I didn't realize I put a deposit of money going towards some my monthly payment. There should be better customer service.

Alan Mendoza

Until now, I cannot give an opinion and what I have to say is that what they informed me when I signed the contract is that Americor would cancel the debt in 7 days and I would be left paying the debt to you, more than 10 days have already passed and The accounts are the same, it was not what was explained before signing the contract. I would like to talk to someone in Spanish.

Lamento mucho escuchar que no se ha cumplido con lo que se le prometió al firmar el contrato y que las cuentas aún no han cambiado después de más de 10 días. Entendemos su preocupación y lamentamos la confusión que esto ha causado.

Nuestro compromiso es garantizar que nuestros clientes estén satisfechos y comprendan completamente el proceso de cancelación de deudas. Para abordar sus inquietudes y brindarle la información necesaria en español, le recomendamos que se comunique con nuestro equipo de atención al cliente en español. Puede hacerlo enviando un correo electrónico a officeofthepresident@americor.com.

Estamos aquí para ayudarle a aclarar su situación, responder a sus preguntas y garantizar que se cumplan sus expectativas de acuerdo con el contrato. Le pedimos disculpas por cualquier confusión que haya surgido y agradecemos su paciencia mientras trabajamos para resolver esta situación de manera satisfactoria.

Gracias por comunicarse con nosotros y por darnos la oportunidad de abordar sus inquietudes en español. Estamos comprometidos en ayudarle a encontrar una solución a sus problemas de deuda.

-Americor

Nov. 1st, 2023

Jakie

I haven't been in it long enough to see any results. My representative with Americor has been very good about helping me. It's been kind of a mixed experience. It was very easy to set up. I'm a little leery of when my unsecured debt providers start calling, 'cause I don't totally understand that. And they said it would take three to six months, but they've assured me that this is what happens. The paperwork said it is exactly what happens, so I'll just wait and see.

Thank you for sharing your mixed experience with Americor. We appreciate your understanding and patience as you embark on the debt settlement journey. It's natural to have questions and concerns about the process, especially when your creditors start reaching out.

Our customer service assistance and guidance can play a crucial role in addressing these concerns. We encourage you to maintain open communication with our customer service department, and feel free to seek clarification whenever you have questions about the process. As you've mentioned, it may take some time to see results, and it's essential to remain patient and trust the process outlined in the paperwork.

We are here to support you through this process, and your satisfaction is important to us. If you have any additional questions or concerns, please don't hesitate to reach out to our Office of the President team at officeofthepresident@americor.com. Thank you for choosing Americor, and we look forward to assisting you on your journey towards financial stability.

Sincerely,
Americor

Kevin Jackson Lake Havasu City, AZ

The Agent was amazing, friendly and knowledgeable, however, there was/is so much information to absorb over the phone and in the written information sent, I’m not fully comfortable that I understand what I’ve gotten myself into and what harm it might cause. I know the questions I may have are in the volumes of information you gave me, but I just don’t fully comprehend it all.

We appreciate your kind words about our agent and your openness about your concerns regarding the volume of information provided. Your comfort and understanding of the process are essential to us, and we're here to help you every step of the way.

We understand that the financial terminology and the details of debt settlement can be overwhelming. We want to assure you that you're not alone in navigating this process. Our team is available to provide clarification and assistance on any questions or concerns you may have.

To help you gain a better understanding of the process, we recommend setting up a follow-up conversation with our agent or a member of our customer service team at 866-333-8484 or via email at officeofthepresident@americor.com. They can walk you through the details, answer your questions, and ensure you have a clear comprehension of the steps involved in debt settlement.

Your peace of mind and confidence in the process are vital, and we're committed to providing you with the support and information you need.

Thank you for your feedback, and we look forward to assisting you in making this process more transparent and manageable for you.

-The Americor Team

Kathleen J Smith Clearwater, FL

The people I talked to with this company were friendly and knowledgeable but honestly, I am a better fit for bankruptcy than this type of debt handling at 67 years old. That was NOT suggested to me as a possible solution, and I am truly glad I cancelled my contract with Americor before it went into effect after talking to another debt handling company.

Natalie Scott Durham, NC

Unfortunately for me, I contacted Americor right before Covid hit the world. But the explanation of what Americor really is was not clearly stated for my understanding. I just felt that in the end my process could have been completed way better. But finally I completed this process with 2 lawsuits I didn't want or need. Although they get your owing amount down at the time, those companies still come back to collect from you with a 1099 form.

Destinee Grassi New Cumberland, PA

The 1st representative Adrian H was not clear on many of the procedures that I had to take care for example the stop payment that I had to pay out of pocket and the letters to each company this was NOT hassle free and very frustrating and for the representative to suddenly leave and for me to not get a call to confirm if I had completed all paper.. I'm just NOT HAPPY WITH AMERICOR.

Walter Fitzpatrick Winchester, KS

As a company, the employees did a great job of taking care of me and my debt. Having said that, I would never have engaged them knowing what I know now. First, I was not expecting that I would be visited by the sheriff so many times, nor that I would have to go to court. Additionally, while Americor reached out to me when a settlement was reached, sometimes the communications were not clear or obvious. When reaching back for clarification, it often took time and energy on my part.

Anonymous

I didn't feel they were very helpful. They were very friendly and I know they tried but they really didn't have the answers I was looking for. Everything was going really good up until yesterday, and it's not really Americor's fault, it's kind of sort of a combination of my bank and Americor. My bank account got all screwed up and I'm really wondering how I'm going to get it fixed.

Daniel

It is so stressful. I had a lot of trouble going up the forms that sort of thing. It kind of felt like they're gonna get three thousand dollars or whatever it is to help me out with the service, but I'm doing all the leg work. Just seems a little weird and I'm not even sure if I'm doing it right. I got a email from them saying that but I still haven't downloaded my monthly statement or whatever it is I'm supposed to download.

Linda Tiscornia Westtown, NY

My debit relief was going great until I had a snag with Capital One. I could not include this creditor due to the fact that I made a payment in November 2021. I sent all the statements and was told in March 2022 that it was eliminated. I now have to go on a payment plan to pay them off. 5 months of interest has been added to this creditor. I am very upset about this.

Carl

Just be aware that if you use a service like this just be prepared to have your credit destroyed. There are a lot of fees, and the fees are more than I thought they would be. My credit is destroyed, it's under 600 now. I did not know that it would go that low because my credit score was good before this and it had this huge negative impact after using their services. They are responsive when you call them, they do answer the questions.

Joachim

Every time I've called the customer service when I got through to them was really good, but a lot of times the wait times to talk to someone about a concern were either from five to ten minutes. With Americor, at first I was just very confused. because Americor I had contacted credit nine for a credit debt consolidation loan. It took me a bunch of research and then I talked to them three times until I understood. It was a good experience, a lot was resolved, we're rebuilding my credit and it really did relieve a lot of my financial pressures.

AnnMarie Pereira

Not happy with the way they have and still are handling my Best Egg account. I feel this account could have been resolved way before I got a summons for court. Now I need to find an absorbent amount of money to try and negotiate with Best Egg before the court date to avoid a garnishment. So not right.

AnnMarie,
We're truly sorry to hear about your experience with the handling of your Best Egg account. We understand how stressful it can be to receive a court summons, and it's never our intention to leave our clients feeling unsupported during such a critical time. Please reach out to us directly at Officeofthepresident@americor.com at your earliest convenience so we can review your situation in more detail and explore potential solutions together. Your concerns matter to us, and we want to help.
Regards,
Americor

Jul. 16th, 2025

Alvaro

Do not hide anything. You have to talk clearly from the beginning because after I closed the deal with you guys, there were other fees that the advisor didn't mention to me at that time and that's not fair. You have to talk about all the fees involved in the transaction.

We sincerely apologize for any confusion or lack of transparency regarding the fees associated with your agreement. It's important that you have a clear understanding of all the costs involved from the very beginning, and we take your feedback seriously.

To address this issue and ensure that you have a comprehensive understanding of the fees, we encourage you to reach out to our Office of the President team at officeofthepresident@americor.com. They will provide you with a breakdown of all the fees associated with your program and answer any questions you may have.

We value your satisfaction and are committed to addressing your concerns and providing the support you need. Thank you for bringing this to our attention, and we look forward to assisting you in understanding the fees involved in your program and ensuring that you have the clarity you deserve.

Sincerely,
Americor

Kathleen M. Fritsch Milwaukee, WI

Everything seems to be ok. I wish there was more communication during this initial stage. I'm very nervous about all of the collection calls and not one about the start of negotiations on my accounts. I even sent in an extra payment to get things going faster.

2 years ago Edited January 10, 2024

We appreciate you taking the time to share your feedback with us. Your satisfaction and peace of mind are of utmost importance to us, and we regret to hear that you've experienced a lack of communication during this initial stage of your journey with us.

We understand how unsettling it can be to deal with collection calls and uncertainties about the progress of negotiations on your accounts. Please know that we are committed to keeping you informed every step of the way and ensuring that you are fully aware of the progress and status of your accounts. Rest assured, we will take your feedback seriously and work diligently to improve our communication processes moving forward.

In the meantime, we invite you to reach out to us directly at Officeofthepresident@americor.com at your earliest convenience. We would be more than happy to discuss your concerns in more detail and explore potential solutions together to address any issues you may be facing.

Thank you for bringing this matter to our attention. Your feedback is invaluable to us as we strive to provide the best possible service to all of our clients. We look forward to the opportunity to make things right and restore your confidence in our services.

Kind regards,

Americor

May. 3rd, 2024

I haven't been able to get return calls from the guy that set me up. He said, you know, call him anytime if I have any problems. And I've called him twice and I still haven't heard back from him. I had problems navigating the portal and getting new bills in there.

James C Jackson Waynesboro, VA

Still to early to really give a fair rating . Just getting started, but since far everyone seems to answer all my concerns. I believe that they will treat me right and get me back on track with my financial freedom. So far, so good.

Loretta Nash Oklahoma City, OK

I talked to Alex P on Nov 9. He promised to touch bases with me on Nnov 11. I have yet to hear from him. I called caz I needed help and he promised me help. He did tell me I had to keep calling him and to this day have not talked to him till I initiated the call on Nov 9

They did alright on part of it, but they didn't listen to me and take my advice since it was my stuff. They just weren't very helpful and most people I talked to weren't very knowledgeable. They always had to send me to somebody else. It ended up being a circus show every time that I tried to call and ask questions.

Some people were very knowledgeable, you could tell they had a lot of experience and they were super helpful. And then others, while they wanted to be really helpful and they were, they were nice, they just weren't as trained as the others, I think.

Harriett Lamm Magna, UT

I have only been in contact with 1 person and that was the day I signed up I had no emails or phone calls to address any questions or concerns I may have just one email saying I needed to provide documents but didn't say what documents I sincerely hope this is not a scam

Robert L Rudy Tooele, UT

i still have credit cards showing past due fees Sam's club, Chase, and one other card, did not see balance going down from you negotiation like Upstart credit card loan. i have been very busy at work have not had time to see if i can access what you have done if i can please e-mail me the info how i can watch what you are doing. thank you

The guy I talked to was really professional with that he had to say, and he could run the whole business. But when I got to talk to the second one, he gave me some negative input, about how they can't make me go to the court nowadays, all my bills and I just wasn't very pleased. I believe his name is Rick.

They didn't leave me with enough information on how it works. I thought they were gonna do a settlement now and just take money out of my account for it, but now they're taking money out of my account and I'm still paying to settle and I don't understand. I need to actually get out of it.

Pearce

It's been okay. People have been willing to help at any given moment. I get a lot more phone calls than I think are necessary. I don't have a deep understanding as to how the how the company works I guess. They did explain it to me, but I don't really understand how that works. I think there could be more transparency.

Ellen Lukens Midland, MI

Just started. So far things have gone smoothly. However, the 'welcome call' I was supposed to get was horrible. An automated system called me and when the person picked up, I had to go through the verification process. Then they asked why I called. That's a horrible process.

Kim sprowls Akron, OH

It was a much harder process than I originally thought it was going to be. They did keep in contact with me every month to let me know what was going on. In the end I still have the same if not more debt than I originally started with. I'm just paying someone else.

Donovan

Don't be skeptical, always call and ask questions and make the right choice based on you and your needs. The rep I talked to was pretty easy to talk to and she communicated to let me know exactly how the program will go. Everything was smooth.

Annie Nettles Florence, SC

It's been two months that I've been in the program but I haven't heard from Americor if they are talking to my creditors, I'm a little scared and getting calls and emails, text messages that payments are late. I can't rate any higher until I can visually see that my agent is working on my creditors.

Michele

So far I'm not real happy because they quoted me a monthly price and it's a big difference compared to what it will actually be. I just got an email today saying I'm going to be paying about double what they told me on the phone when I signed up with them.

Aoon

Not the worst and not the best. I wish the procedure of how things would work was laid out clearer. I wish our experience with them was a little better. They were not completely honest about the program. They should be more upfront about things.

Roger

Sometimes it was confusing talking to them and I think they should advertise better. I think they need more explanation as far as borrowing the money. I had no idea that I was going to be paying when I was going to pay so I kind of went ahead and paid the account out I didn't stay long. My experience has been ok.

Dave Fort White, FL

Because I just started with this company and have not experienced anything except a lot of confusion with calls/emails/text needing information that had already been submitted. And the changing of contract I dropped one creditor, but not reflected on my account online.

Nodira

I trusted them and later I found out that they weren't able to negotiate and take over my medical debt and it started a legal issue. They're always up to help but sometimes it's so hard to reach them. I have to leave them a text messages or a voicemail in the office. They actually helped me out but not completely.

Victoria

I didn't understand the process of me having to do a lot of paperwork. Ask all the questions upfront because I have a question I need to ask. It would have been nice to be notified about how much I would need to do on my end.

Elizabeth

Get as much detail and upfront information as possible before committing. I've gotten my questions answered quickly. It can be annoying to talk to a different representative each time you call in instead of having an assigned rep. Overall it's been good, not great, but I would use the word good.

With the initial call, you're very much encouraged to sign up for the program. Afterwards, I considered my options and decided not to go that route. And cancelling was extremely difficult. Multiple times, I had to call in and tell them I didn't want to do this

Donald Harris Fort Worth, TX

I feel y'all take to long to start your end of the agreement. I gave you everything in a timely manner and y'all have yet to make a payment to any of my accounts. Getting out of debt should not kill my credit the way it has. Wish I would have done it on my own

Brenda

They're started taking my money out already and now I don't understand why. They were supposed to call yesterday and I've never gotten a return call. I would recommend you make sure to understand what they do before you get invested in it

P Oshkosh, WI

The beginning would have been a 5, but it felt like it deteriorated as time went on. We lost our main contact and we were just a number. That's not how it was signing up, so it was misleading to then no longer have a relationship and just be shuffled off to anyone.

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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