9.2
Overall Score
Americor is a debt relief company based in Irvine, California. The company has relieved more than $2 billion of debt. Its more than 400 employees provide debt settlement services to borrowers with at least $3,500 of debt.
Americor offers a debt settlement program in which clients submit their information, consult with the company, and apply for a program. Then, the company assigns you a negotiator who works to settle your debts with your creditor or creditors, typically for 55 to 65 percent of the original enrolled balance.
Like most debt relief companies, Americor works with unsecured debt such as credit card debt or sometimes personal loan debt. If you have significant secured debt, such as mortgage or car loan debt, a debt relief company is probably not going to be able to help you.
Read on for more features about the company, or scroll to the bottom to find verified Americor reviews.
Video Customer Reviews
Tammy Ross
Jeronimo Herrera
Ebi Ogbu (Ogbu)
Americor’s debt relief program helps with common creditors, banks, and delinquencies including, but not limited to, credit card debt, payday loans, medical debt, private student loans, lines of credit (LOCs), and personal business debts.
While the services outlined above are typically offered by most debt relief companies, Americor sets itself apart by also offering debt relief programs for auto repossessions, mortgage debt, tax debt, and cellular debt.
Americor offers a simple path to debt relief. You submit how much debt you have and the company provides you with available debt relief options.
Then, the company helps you apply for the right debt relief plan, and if accepted, you are enrolled and assigned a negotiator that will work to settle your debts with your creditors. Typically, negotiators are able to settle for 50–60 percent of the original balance.
After you have completed the program, you work to pay off your remaining, lower debts, and ultimately achieve a debt-free life.
Like many other reputable debt settlement companies, Americor doesn’t charge customers for its services until after it has settled their debt. This is a feature you should always look for in a debt relief company, and you shouldn't trust a company that does not offer a free consultation.
Americor has been certified by the American Fair Credit Council, the International Association of Professional Debt Arbitrators, and the Receivables Management Association.
The American Fair Credit Council is a consumer advocate group and the leading debt settlement company association. Certification by the American Fair Credit Council signifies adherence to a strict code of conduct, regulatory guidelines, and industry best practices. Additionally, all American Fair Credit Council members agree to not charge customers until after successfully negotiating their debt.
The International Association of Professional Debt Arbitrators’ certification communicates that a debt settlement company is committed to a high level of training and certification.
Companies that are certified by the Receivables Management Association must pass the association’s background check and adhere to industry best practices.
On BestCompany.com, 85 percent of Americor reviews are 4 or 5 stars. Satisfied customers frequently highlight the following about their experience with the company:
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 your service isn’t working.
While some debt relief companies offer multiple kinds of services, Americor appears to offer only debt settlement services, and not debt consolidation or credit counseling. This limits what the company can do for you but could also mean that Americor is more specialized in debt settlement than other companies that try to handle a variety of financial issues under one roof.
Americor offers debt settlement services in 34 states from its headquarters in Irvine, California.
The debt relief company has numerous certifications, which speak to the company’s commitment to ongoing training, adherence to industry best practices, and compliance with regulatory guidelines. For example, Americor’s certification through the American Fair Credit Council means the company does not charge for its services in advance. Thus, Americor customers can rest assured that they won’t be charged unless and until the company successfully settles their debt.
Americor primarily offers debt settlement services. However, additional services, such as debt consolidation or credit counseling, are available to those who have been enrolled in a debt relief program for some time.
To learn more about specific programs and pricing, it is best to contact Americor directly to find out whether the company is a good fit for you and your financial needs.
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