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

Sentiment Criteria

Value

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Quality

Service

Trustworthiness

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Featured Review

Renae Cook

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

1 year ago

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

Morgan Roberts

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

3 days ago

Micah Wright

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

1 week ago

Ivette Camacho

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

2 weeks ago

Otto Piccardo

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

3 weeks ago

Reply from Americor

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

Nov. 10th, 2025

Robin Linney

Blake Keiser was exceptional to deal with and made this process not only easy but also easy to understand. Highly recommend this company. Smooth process from start to finish.

5 days ago

Darren

If everyone was like Kristina Marx the pain of trying to get a loan would not exist. She is kind and empathetic. She is very knowledgeable and talks you through the best decision for you! I am so grateful I was able to have her help.

Thank you for your kind words! We’re thrilled to hear Kristina was able to provide knowledgeable, empathetic guidance and help you feel supported. We appreciate you sharing your experience and are glad she could assist you!

Tony Impagliazzo

Michelle was so patient, knowledgeable and made me feel like joining this program is going to help me dig out of the mountain of high interest debt that I have. She was great to work with.

Linda Day

I can't say enough about my experience of working with Khristina . I was so embarrassed and ashamed of the circumstance. I found myself in and yet she made me feel so comfortable. And accepted a truly amazing woman.

Thank you for sharing your experience! We’re so glad Khristina was able to make you feel comfortable and supported during a difficult time. Your kind words mean a lot, and we’re happy she could assist you with care and understanding.

Jan Boruvka

Americor has really made a difference in my financial situation. In just 3 months, most of my accounts have already been settled, and with a few extra payments I’m on track to finish the program earlier than expected. I finally don’t feel stuck living paycheck to paycheck, and the constant stress from interest rates is gone. The customer service has been excellent—special thanks to my consultant, Lisa Contresceri, for guiding me through the process. I’m grateful to finally feel back in control of my finances.

2 months ago

Hi Jan, thank you for sharing your experience! We’re thrilled to hear that Americor and Lisa Contresceri have helped you gain control of your finances and reduce the stress from debt. Your progress in just three months is fantastic, and we’re so glad the program and our team have made a positive difference in your journey. We’ll be sure to pass along your kind words to Lisa!

Sep. 30th, 2025

Pavel Novák

I’ve used Americor before and honestly had a good experience. They were clear about how everything worked, kept me updated, and I felt like they really had my back during the process. The only thing is it does take time,it’s not something that happens overnight. But for me, it was worth it in the end for the peace of mind. If you’re okay being patient, it’s a solid option.

Thank you for sharing your experience! We’re glad to hear that our team was clear, supportive, and kept you updated throughout the process. You’re right these programs take time, but it’s wonderful to hear that the peace of mind you gained made it worthwhile. We appreciate your feedback and trust in Americor!

Sep. 18th, 2025

Lucie Trochtova

I had a really good experience working with Americor. From the beginning, the team explained everything clearly and made sure I understood each step of the process. They were patient in answering my questions and made me feel supported the whole way through. What stood out the most was how responsive they were,any time I needed help or clarification, they got back to me quickly. It gave me peace of mind knowing I wasn’t going through this alone. Overall, I feel like they truly cared about helping me get back on track financially.

Thank you for sharing your experience! We’re thrilled to hear that our team was able to provide clear guidance, support, and timely responses throughout your journey. It’s wonderful to know you felt cared for and reassured along the way. We appreciate your trust in us and are proud to be part of your path to financial recovery!

Sep. 12th, 2025

Robert Ingria

A consummate professional. Excellent service and gave detailed explanations on all aspects of the Program

Olivia Reyes

Brian and the Americor team were very helpful throughout the process. Brian patiently answered all my questions and explained everything clearly. The team worked quickly on my debt and was able to secure a settlement within a few weeks. I feel confident I made the right decision and wish I had known about Americor sooner.

Hi Olivia, thank you for sharing your experience! We’re thrilled to hear that Brian and the Americor team provided clear, patient guidance and helped you secure a settlement quickly. We’re honored to have been part of your journey, and we’re so glad you feel confident in your decision!

Patrick S was a huge help in getting my debt under control. He took the time to explain everything clearly and made me feel confident in the process. Carlos also assisted with setting up my portal and was just as knowledgeable and supportive. Overall, a great experience with both of them!

Hi Micah, thank you for sharing your experience! We’re so glad to hear that Patrick S and Carlos were both knowledgeable, supportive, and helped make the process clear and confidence-inspiring. We’ll be sure to pass along your kind words—they’ll be delighted to know they made such a positive impact!

Blake King

I’ve had a great experience with this program. At first, watching my credit score drop was a bit uncomfortable, but the app made it easy to track everything in real time. I was pleasantly surprised to receive two settlements within the first 45 days! Overall, the process has been smooth, effective, and I’m very happy with the results.

Hi Blake, thank you for sharing your experience! We’re thrilled to hear that the program and app made tracking your progress easy and that you’ve already seen positive results with two settlements. We’re so glad the process has been smooth and effective for you!

Skyler Cole

I signed up with Americor to get some help with my debts. The program gives a clear plan, which is nice, but I ran into some delays when making a payment, so I had to follow up a few times. It’s helpful if you need guidance, but it’s not super fast or perfect—just something to keep in mind.

Hi Skyler , thank you for sharing your feedback! We’re glad to hear that the program provided a clear plan and guidance for managing your debts. We also appreciate your patience regarding the payment delays and will continue working to make the process as smooth and timely as possible. Your input helps us improve!

Logan Rivera

Working with Chad C at Americor was a really positive experience. He explained my options clearly, listened without judgment, and made the process a lot less stressful. I’d recommend Chad and the Americor team to anyone looking for honest and supportive help with debt.

Hi Logan, thank you for sharing your experience! We’re thrilled to hear that Chad C provided clear guidance, listened attentively, and made the process less stressful. We’ll be sure to pass along your kind words—he and the Americor team will be delighted to know you felt supported and confident!

Liam Rogers

Working with Ryan W. has been a great experience. He explained everything clearly, kept the process stress-free, and was always professional and approachable. I’m really glad he was assigned to me—if more stars were possible, he’d deserve them.

Hi liam, thank you for sharing your experience! We’re thrilled to hear that Ryan W. made the process clear, stress-free, and approachable. We’ll be sure to pass along your kind words—he’ll be delighted to know he exceeded your expectations!

Emma Price

I had a good experience working with Chad C at Americor. He took the time to explain my options in a way that made sense and was patient through the process. It helped ease some of the stress and gave me a clearer path forward with my finances.

Hi Emma, thank you for sharing your experience! We’re thrilled to hear that Chad C provided clear guidance and patience, helping ease your stress and giving you a clearer path forward with your finances. We’ll be sure to pass along your kind words he’ll be delighted!

Edita Mikesova

I worked with Chad C at Americor and had a really positive experience. He listened to my situation, explained my options clearly, and was supportive throughout the process. It’s been a stressful time, but his guidance gave me a solid plan and more confidence moving forward.

Hi Edita, thank you for sharing your experience! We’re thrilled to hear that Chad C provided clear guidance, listened attentively, and helped you feel confident during this stressful time. We’ll be sure to pass along your kind words—he’ll be delighted!

Josef Furch

I had a solid experience working with Chad C. He knows the program well and explained everything in a way that made sense. His guidance on managing my debt has been practical and useful. Overall, he made me feel supported and taken seriously.

Thank you for sharing your experience! We’re so glad to hear that Chad was able to provide clear guidance and support. It’s wonderful to know you felt taken seriously and well cared for throughout the process. We’ll be sure to pass along your kind words to him!

Hyper Myers

I had the pleasure of speaking with Keith Long, and he was incredibly knowledgeable and professional. He took the time to explain everything clearly, especially the parts I didn’t quite understand. I feel much more at ease now. Thank you, Keith, for your patience and guidance—it was truly a pleasure talking with you!

Thank you for sharing your experience! We’re so glad Keith was able to provide clarity and guidance while making you feel at ease. We’ll be sure to share your kind words with him it’s wonderful to know he made such a positive impact!

Finley Adams

Americor has been really helpful in getting me on track with my debt. They explained the process clearly and checked in with updates along the way, which I appreciated. It’s not a quick fix, the program takes time and patience, but I’ve started to see progress and feel less stressed knowing there’s a plan in place. Overall, I’m glad I signed up with them.

3 months ago

Thank you for your feedback! We’re so glad to hear that our team has been able to help you feel more in control of your debt and provide clarity throughout the process. We appreciate your patience and are excited to continue supporting you on your path to financial freedom!
-Americor

Sep. 8th, 2025

Elliot Rivera

I needed help today with a question about adding an account and spoke with Cyri H. She was amazing. What I thought would be a complicated issue was explained clearly and thoroughly, and she made me feel completely comfortable throughout the call. She guided me from start to finish, and I was really impressed with the level of service. This company clearly has some of the best representatives—I’ve never had a bad experience, and after today.

Thank you for sharing your experience! We’re thrilled to hear that Cyri was able to guide you through the process and make it clear and comfortable. It’s wonderful to know that our team continues to provide helpful, high-quality service. We’ll be sure to pass along your kind words to Cyri!

Sep. 10th, 2025

Blake Cook

Americor has been fantastic in helping me manage and reduce my credit card debt. The team is professional, responsive, and guided me step by step through setting up a repayment plan. They also negotiated with my creditors on my behalf, which made the process much smoother and less stressful. I highly recommend Americor to anyone looking for reliable support with their debt!

Thank you so much for sharing your experience! 🌟 We’re thrilled to hear that our team was able to guide you step by step and take some of the stress off your shoulders by negotiating on your behalf. It’s great to know the program has been making things smoother for you, and we’re honored to be part of your journey toward financial freedom. 💙 Keep up the amazing progress you’ve got this!

Sep. 9th, 2025

Rebecca Nilsen

suzi made it so quick and easy!!! didn’t take long and am excited for this to work

Corey Smith

I had a banking issue with a vendor taking a premature payment that would have caused my RAM payment to put my bank account in the negative and not only was Valerie sensitive to my situation but she was also able to successfully move my payment back three days which was enough to safely remedy the issue. Upon speaking with her she also was nice enough to explain specifics about the Advantage Law app and what state my account is in with my creditors. Ms. Baslee is DEFINITELY an asset to the Americor team and i hope she gets the due credit that she deserves in a business that can be trying with customers who are in financial hardship. I truly appreciate her in a age where A.I. where automation has no sympathy or feelings. Corey S.

4 months ago Edited July 31, 2025

Thank you for your thoughtful feedback! We’re so glad to hear Rebecca provided you with courteous and professional support. We understand the process can feel challenging at times, and we truly appreciate your continued commitment. We're with you every step of the way!

Jul. 30th, 2025

Eileen Abigail Quigley

Today was a very good day dealing with Americor as I met Keith Long Americor Claims Specialist. My challenges before me are significant. Keith presented data and facts to me to assist in the resolution of a number of issues I need to address to effectively tackle all my debt and become better able to navigate my financial past, present and prepare for my future success in all my financial arenas:personal, business and family trust transactions… Keith was considerate, listened, spoke to me respectfully and compassionate AND provided the information I requested in the way I wanted and quickly… I am a handicapped person - hearing and speech impaired, on 24/7 oxygen, and recovering from many major life events all colliding at once… It has taken me a long time to organize myself to even MAKE THIS CALL TODAY! Because of Keith’s demeanor and behavior towards me my FAITH in human beings has increased from the depths of total disappointment to my goodness there are STILL GOOD PEOPLE IN THE WORLD WILLING TO LISTEN AND ASSIST WITHOUT JUDGEMENT… Miracles never cease! KEITH should be highly rewarded for providing his style of customer care as it is a rarity… His practices should be used a Model Method for Communication with Disabled Customers in the Americor Training Program. AMERICOR should Send Keith on his dream trip of his lifetime as his REWARD … All I can do at the moment is to say Thanks from the bottom of my heart and Blessings to you Keith! Have a great evening!

Dear Eileen,

Thank you truly for such a heartfelt and moving message. Your words mean more than you know, and we are honored to have been a part of your journey today. Keith Long is an extraordinary member of our team, and your experience is a beautiful reflection of the compassion, care, and integrity he brings to every conversation. We will absolutely make sure your feedback is shared and celebrated not just with Keith, but across our entire organization.

Your strength, resilience, and openness in the face of so many challenges are incredibly inspiring. We are deeply grateful you chose to reach out and share your experience, and even more grateful that Keith was able to meet you with the care and respect you deserve.

Sending you our warmest wishes and continued support as you move forward personally, financially, and beyond. And yes... miracles never cease. 💙

With heartfelt appreciation,
Americor

Jul. 24th, 2025

Janet Freitas

Great experience. The service is expedient and with kindness. Would highly recommend this to others having this issue.

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Verified Customer

Gerald Judd NA

Jean Plummer

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

2 years ago

Laurie Appleton, WI

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

Julie Kay Gunther

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

2 years ago Edited November 27, 2023

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

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

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

Sincerely,
Americor

Nov. 1st, 2023

Zachary Crosskno Lubbock, TX

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

Kayla Minton

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

Carlos Corpus Christi, TX

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

2 years ago Edited January 23, 2024

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

Sep. 25th, 2023

Anonymous

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

Louann

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

3 years ago

Daniel

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

Danny

My experience so far has been surprisingly very refreshing. Everybody that I've talked to is very knowledgeable, very polite, very professional. They really listen, they're very curteous, they do whatever is necessary for the clients to be happy. From the very first conversation I felt like a weight was lifted off my shoulders, literally. With the interest rate I was paying before, individually on different bills, Americor came in and just blew that out the water and now I have one bill to pay when before I had all these separate little bills going on and it is very easy to miss paying one and that's something you don't want to do. Them coming in and helping me is invaluable.

Mary

It's been very positive, everybody's been very helpful and the program is working just exactly the way I expected it to. I've actually already seen an increase in my credit score as well because I've been making extra payments in the program. The initial call was very wonderful and explained the program and then my follow up welcome call was phenomenal, she walked me through the client portal and showed me how everything works and made sure that all of my questions were answered. Every experience that I've had with anyone has been very positive and they make sure that all of my questions have been answered. I would absolutely recommend Americor. I would recommend Americor because they had already helped me very dramatically to get back on track with my finances so I highly recommend Americor for anybody that is needed that in debt relief. It's kind of scary to go into it at debt relief program which I was because I was on time with my payments but just drowning in to debt so I would encourage others in my situation not to be afraid and to go for it because it's definitely worth taking the lead and getting out from underneath all of that crushing debt.

Belinda

Definitely use Americor. They have an A plus rating with the better business bureau which is one thing I look for because I generally don't trust companies that I have found online, but when I saw that they had such a good rating and how informative and knowledgeable they are about the company itself and how it works I would definitely recommend Americor. My rep has explained everything from the beginning to end without leaving out any details and if there was something I wasn't sure about he answered those questions and told me that if I ever needed anything just to give him a call. He has been very helpful and very informative.

Maria

I am absolutely pleased with the guidance and the services. They're kind of teaching us how to handle creditors, it's been great. So far it has been absolutely easy to handle, if there was any kind of worry about the whole process they were able to provide me with an answer. I had to give my part of it things with documentation and things like that, but after that they took care of everything and that they did a wonderful job. Every time I had a question they were ready to answer and then there's always someone available to answer my questions. Everything was was transparent everything was clear and I had no doubt that they were there to help me.

Nancy

I trust them completely. They have supported me and have been successful. Americor answers my questions. They have helped my needs and helped to settle my debts. I have no complaints, I am extremely grateful to them for helping me get back on my feet. My experience with them has been very easy, very calm, step by step. They took care of everything I didn't have to do much. I just provided them with the information that they needed they took it from there. Americor is a company that you can count on. They are always there and calling you back. I am so thankful for them and their services, it is overwhelming.

Elena

I trust them because they're very prompt, everything's confidential, and they reassured me. I am confident with them. I would definitely recommend Americor. When I first spoke to them they were attentive to my situation. And I really enjoyed listening to the representative explain the program and what they can offer. He was very knowledgeable. The process of getting a loan went smoothly and he walked me through a lot of the links. I would refer them because they're very knowledgeable and helpful and it's one on one consultation. If I call back I can talk to the person I started with not with someone different, that's what I like about this company. Michael has been with me all the way through the whole procedure and until it's over. I think they're just a great company to work with.

Natalie

I would definitely recommend Americor. Every time I called there was somebody to answer my questions. They thoroughly answered and the people very very pleasant. There are articles on their mobile app that I could educate myself with. Each account that you click you can observe the progress from the beginning and can see the end goal and where you were at so it was very reassuring, I appreciated that a lot. I monitored it very closely. You need to be patient because it is a process. They are easy to work with, they explain everything to you in the beginning. And they have people check in with you every 6 months to ask how things are going. I liked my experience with them and I am pleased.

Anel

They were able to explain everything in a way that I was able to understand and they made me feel comfortable doing business with them. They've been very helpful, they are also on top of making sure I give them proper information so they can best help me when it comes to renewing my debt. I like the tips that are in the app because it keeps you up to date and informs you. Honestly I would recommend Americor one hundred percent of the time just because of the way that they explain everything and the way they break it down and the way they're able to work with you depending on what you want and what you don't want.

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

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?

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