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

star star star star star

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!

1 year 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.

1 year 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.

1 year 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.

1 year ago

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User Reviews

Star Rating

4.9

8,102 Reviews

Review Breakdown

5 grade

80%

4 grade

10%

3 grade

2 grade

1 grade

Sentiment Criteria

Value

star star star star star_half

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!

2 years 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

Tineke Bailey USA

1 week ago

Mia Childress USA

Arvella Calloway USA

Hi, my name is Arvella and I was doing fine for a while. Paying the bills keeping the credit cards to pay one, bill or another and it was working to a point and then I just Got to the point where I needed to get all my debts in line without using One credit card to pay off another. So I kept on seeing this ad on my tablet in my emails about Americor and I looked it up and I saw that it was one of the better debt. Programs that was out there. So when I started to look into it more, I decided to go on and go with them. There's a lot of things that they want you to do prior to, which is good because it reassures you that their legitimacy. And also they want you to make sure that you understand what's happening. I appreciate it. That also you can always communicate with them. If you have questions, you have chat Portal and you know, you can, you know, even email them questions and so forth, man, I appreciate that as well right now, I only been in a couple of months. But I have a one settlement already and I'm happy about it. and I appreciate, The company as a whole, because every day. They find a way to make to reassure you that things are gonna get better. And I and I appreciate that. Thank you.

Olga Moses USA

Good morning. My name is Olga Moses and my husband had passed away eight months ago and I was sort of like in a financial bind. I had tried to other companies but I wasn't satisfied with their program and Something Told Me Try Americor and I was very happy that I did because they walk you through, what they going to do to keep you. Up to date with all the information and as a settlement came by the, let me know about it where I wanted to accept it or not. And I felt comfortable with their decision and how they keep me up-to-date with all that was happening. I was very grateful that I joined this program and I have Piece of my know things is looking up for me and I can see my way and I'm very anxious to get. These are the Bills on the control and continue until my journey comes to an end. I am seeing my way as I speak and I'm very happy. I'm glad that I really joined this program and like I said, they are very professional. They keep you updated as to exactly is what's going on. If you have any questions you could call them and they will tell you exactly what to say what to do. And whatever information that I got from other companies, I faxed it to them, they show me how to fax it. And I'm very satisfied, I'm very, very happy. And I am glad that I really that, I joined this program. And I would anyone that was in my situation, I would tell them, go ahead. This company is great and they really look. For you and keep you informed as that everything that is happening with your case. So if anyone is having the same issues that I had in the beginning, I would recommend Americorrps. They're very, very good and very, very helpful professional and they take daytime and they explain everything to you that you need to know. And I was grateful that I join this company. Thank you.

Marialis Vega USA

For me, my breaking point was I couldn't afford any of my payments anymore. I felt overwhelmed. I felt like I needed help. I did some research, was recommended, and reached out. The experience I've had has been extraordinary. I've had the best communication , if I have any questions, I get a response almost immediately. My future seems very outgoing. It looks like I can manage to be debt-free, and that's what I'm really looking for.

Stephen Badolato USA

2 weeks ago

I was in a program for two years before with a different company, and we settled things, but it just didn't feel right. I was trying to stay afloat and it was still difficult. Then I eventually reached out to Americor and they were able to help me. The staff is very helpful from the beginning. They were very straightforward and transparent. They noticed some errors that had been made in the past with the previous company I was working with, and we worked on rectifying those. It's been a much shorter time frame now, and I'm already seeing results that are incredible compared to the previous company. I think Americor is really doing right by me as a client. I feel much happier going forward. I feel like I'm almost halfway out of the woods, which is better than I've ever been. I can't wait to see what else happens here. If you're thinking about working with Americor, you should.

Ralph Mastrianna USA

Lillie Middleton USA

Jeannette Cerda USA

Corenna Fall USA

Hi, I used to be a customer with Americor. I graduated the program. It is pretty scary when you start out and you're not realizing how much debt can pile up on somebody. My breaking point was when I got a summons to court. It scared me to death. I was like, what do I do? So I was reaching out for debt collectors and they just weren't wanting to work with me. Didn't want to, didn't care about nothing. And so I found Americor online. I reached out to them. Customer service was amazing. Immediately said, well, this is the portal, download it. I did. They read the terms and the contract and how it works out, and what percentage they get, which is not very large on this if you look at it. And they told me submit every single document, upload in the portal, which was easy, very easy to upload these portals. So I got all the bills and everything and I uploaded every single bill I had. Capital One, Discover card, even some other bills that were, I don't even know where I got that from, and they were collection agencies like crazy. The first few months is the scariest because when they start reaching out to all these people for you, you're scared because the notices that you get are like, well, if you don't pay this we're going to sue you. And Americor tells you don't listen to them. We've already been in contact with them. They're just trying to get you to jump out of the program. I recommend everybody stay in the program. It's scary. I did for three years and there's times where you're short of money and you were terrified. My credit score when I started the program was like a hundred and something. My credit score now is 750 and it's still going up. I just finished the program last week. I recommend anybody that does this program stick to it, don't back out. If you get a little extra money, throw it in the deposit, it pays it off faster. You would definitely enjoy the freedom of it and not looking over your shoulders or worrying about going somewhere or money coming up missing on your account that you were ready to pay a bill or they auto-debited or took your money. Definitely give Americor a chance. It's scary, but it's worth it. It's something you never want to bypass or skip out on because I can breathe. Family and I don't have to look over my shoulders no more. My husband, we did the program together. We consolidated both of our bills and it worked out great for us. So definitely try it out. Thanks for listening.

Celina Thompson USA

Mollie Jones USA

Joseph Heath Americor

Joseph,
Thanks for the stellar review!

Sep. 16th, 2026

Mayra Houston, TX

The representatives I spoke with were friendly and willing to answer my questions, and I appreciated having someone explain the debt-relief process to me. However, I also learned that it is very important to understand exactly how the program works, including the fees, timeline, potential impact on your credit, and what happens with your creditors before enrolling. If you are considering Americor, I recommend asking detailed questions and getting everything in writing before making a decision. Make sure you understand the total cost, how long the program is expected to take, and what your responsibilities will be. Overall, I would encourage anyone considering debt relief to compare Americor with other companies and carefully review the terms before committing. My review is based on my personal experience, and I hope it helps someone else make an informed decision.

Lorreta Phelan USA

1 month ago

Loretta,
Thank you for sharing your experience! We’re pleased to hear our team took the time to answer your questions and make the process easy to understand.

Sep. 2nd, 2026

Yer Vang USA

Yer,
We appreciate your recommendation! It’s wonderful to know our team provided the level of service and care we strive for.

Luis Longo USA

Luis,
Thank you for your thoughtful review! We’re so happy to hear you’re feeling more confident and hopeful about your financial future.

Amanda Arel USA

Amanda,
We love hearing this! Thank you for trusting our team and allowing us the opportunity to assist you.

Stephanie Vondersaar USA

Stephanie,
We’re grateful for your kind words! Helping our clients feel informed, supported, and comfortable throughout the process is incredibly important to us.

Ryan Pase USA

Ryan,
Thank you for the kind review! Providing helpful and supportive service is always our goal.

Aug. 25th, 2026

Ben Zamudio USA

Ben,
Thank you for the kind review! Providing helpful and supportive service is always our goal.

Adolfo Zapata USA

Adolfo,
We appreciate your feedback and are so glad you felt supported throughout the process.

Tracy Thomas USA

Tracy,
Thank you for your kind words! We're glad to hear you had a positive experience. We appreciate your trust and look forward to supporting you throughout your journey.

Aug. 17th, 2026

Darlene Marsh USA

Darlene,
We’re thrilled to hear everything went smoothly. Thank you for sharing your experience!

Diego Panesso USA

Diego,
We appreciate the 5 stars! Thank you for allowing us the opportunity to help.

Veronica Marie Budd, Illinois

I had a very positive experience with Americor. The people I have interacted with have been genuine, helpful, patient, and supportive throughout the process. Carroll J. made a particularly strong impression on me. She took the time to explain the process, answer my questions, and personally help me get signed up. I never felt like I was just another person going through a process. Carroll also prayed with me and for me, which was incredibly meaningful. Her kindness and genuine concern made me feel supported on both a personal and financial level. I am taking this step because I want to become debt free and develop a healthier relationship with money. I want to learn more about saving and investing and finally accomplish financial goals that I have wanted to reach for a long time. I am grateful that I connected with Americor and especially grateful for the support Carroll has given me. I am excited about what this next chapter can mean for my financial future.

Ivon Berry Auburndale, Florida

HAPPY TO HAVE BEEN HELPED BY AMERICOR! 🙏🏽 I was not wrong about Americor! ❤️ If you are thinking about consolidating your debt, I highly recommend giving Americor a chance. I originally left a negative review in July because of an issue that turned out to be the result of an error—not a reflection of the company itself. I strongly believe that nobody is perfect. Sometimes people make mistakes, details can be overlooked, and unfortunately, companies can receive the blame and negative reviews for situations that are not entirely within their control. What I truly appreciate is that Americor took the time to review my case and investigate the situation. I had saved all the necessary and important documentation, which helped support the investigation and clarify what had happened. Today, I am very happy with the outcome and feel comfortable recommending Americor to anyone who is looking for help with debt consolidation or the other services they provide. I am very happy with the results and grateful that my concerns were taken seriously. 🙏🏽 Thank you, Americor, for helping me get this resolved! Sincerely, ❤️

Ashley Franklin Mobile, AL

I was so scared in choosing a good debt relief company and so I typed in top 10 best debt relief companies and this is tge company that caught my eye. The reviews were great so I filled out questions and before I knew it. Shawn W reached out to me and was so knowledgeable about the company and he addressed all of my concerns and really put my mind at ease while simultaneously helping to see the bigger picture of what could be if I just stepped out on faith with this company. I love how transparent the company is, especially having the app where I can see the process of where the money is going and the visual of seeing things progressing. (Really great feature and its what sold me on choosing this company) I can't wait to get on the other side of this. And I also love that I can reach out any time for questions or concerns.

Christie Waite USA

2 months ago

Christie,
Thank you for the wonderful feedback! We’re glad you had a positive experience with our team and appreciate your trust in us.

Aug. 13th, 2026

Debt Relief Success Story: My Journey USA

Yvonner,
Thank you for your feedback! We’re happy our team provided the professional and helpful service you deserve.

Billy Elliott USA

Billy,
We appreciate your kind words! It’s great to hear you received the support and service you needed.

Gracie Gilbreath USA

Gracie,
We truly appreciate your kind words and your trust in our team. Thank you for choosing us!

Daniel Beach USA

Daniel,
Thank you for the recommendation! We’re thrilled to hear you felt informed, comfortable, and supported throughout the process.

Sandy Jump USA

Sandy,
Thank you for your kind words! We're grateful for the opportunity to assist you and appreciate your recommendation. We wish you continued success on your financial journey!

Jul. 22nd, 2026

Margaret USA

Margaret,
We appreciate your review! Thank you for choosing us to be part of your financial journey. We're here to support you every step of the way.

Angela Santee USA

Angela,
Thank you for your wonderful feedback! We're glad to hear you had a positive experience with our team. We appreciate your trust and support!

Felisha USA

Felisha,
We appreciate your review! Thank you for choosing us to be part of your financial journey. We're here to support you every step of the way.

James Duran USA

James,
Thank you for sharing your experience! We're happy to hear our team provided the service and support you deserved. We appreciate your feedback!

Floyd USA

Floyd,
Thank you for your kind review! We appreciate your trust in our team and look forward to continuing to support you throughout your financial journey.

GLENDALEE Santiago Windsor, Connecticut

I am so thankful that I took the step to contact Americorp, for over 4 years I have contacted so many companies seeking the same help I presented to Americorp and non of them have giving me the hope Americorp did, I am thankful for each representative that assisted me, there dedication, empathy and the passion they have with there customer is exceptional, thanks so much for your kindness, your excellent work, I appreciate you guys. God bless you guys!!!!

Jesus Qintanilla Iona, ID

Great experience with Americor, especially working with Bradford. He was extremely professional, informative, friendly, and personable. He took the time to answer all my questions, was understanding and considerate, and never made me feel pressured or rushed. Bradford made the entire process easy and comfortable. Excellent customer service—I highly recommend Americor!

3 weeks ago

Jesus,
Thank you for the wonderful review! We're so glad to hear you had a positive experience. We appreciate you choosing us and taking the time to share your feedback.

HARVEY D JOHNSON USA

Harvey,
Thank you for sharing your feedback! We're happy to hear our team provided a great experience. We appreciate the opportunity to assist you.

Jul. 29th, 2026

Katherine Jinks Railton USA

Katherine,
Thank you for your kind words! We're glad to hear you had a positive experience. We appreciate your trust and look forward to supporting you throughout your journey.

Americor

The Good

Comprehensive Debt Services

Simple Process

No Upfront Fees

Accreditations

Americor Reviews

The Bad

Limited Debt Relief Services

The Bottom Line

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?

What people are saying on Google

User Reviews