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Americor

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LAST UPDATED: March 28th, 2024

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

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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, 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.

Simple Process

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.

No Upfront Fees

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.

Accreditations

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.

Americor Reviews

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:

  • Stress-free process
  • Ease of tracking progress through email notifications and the Americor app
  • Courteous and knowledgeable company representatives — many customers 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 your service isn’t working.

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The Bad

  • Limited Services

Limited Services

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.

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The Bottom Line

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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Americor Frequently Asked Questions

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 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, medical bills, and personal loans. Loans that are secured by collateral such as your home or an automobile do not qualify for our 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 savings account 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, negative items remain on your credit report for up to 84 months (7 years), so the sooner you are able to resolve your debts, the sooner you will be able to rebuild your credit with new credit accounts and timely payments.

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 will 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 a debt resolution program in 24 to 48 months.

How long does it take before I typically see results?

Clients typically see their first account resolved in four to seven months.

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. Part of the enrollment process is to determine which of your creditors Americor can and can not enroll. Americor has been successful negotiating debts by most all credit card companies since 2009.

How are fees charged and paid in a debt resolution program?

Americor never charges a fee until it is able to successfully resolve one of your accounts. When the company 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.

Star Rating

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4.7

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6,988 Reviews

Review Breakdown

5 grade

78%

4 grade

11%

3 grade

5%

2 grade

2%

1 grade

3%

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Danielle

I am a new customer and don't know too much about this relief program. However, the representative made me feel comfortable and educated me about this hardship program and explained clearly about it. I am looking forward to be debt free. I am concerned about my credit hit and not able to make purchases for six months .But I am looking forward to a clean start with a better credit score afterwards. Thank you for guiding me into this program.

1 week ago

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Patsy Glendive, MT

I appreciated very much my original register person. Since then I’ve been a little disappointed. Although we have managed to settle all my debt but for 2. remaining it has been a tumultuous relationship . It’s sometimes hard to get a hold of my spokesperson and they don’t always have answers. Maybe it’s just the process. The bills are being settled which is the desired outcome.

1 month ago

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Trystan Wirebaugh North Webster, Indiana

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2 months ago

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Tony Bergman

Too "hard" sell, had to change things twice to get it right, but they did get it done.. Instead of doing what I suggested, they pushed it through and then I had to all but "fight" to get it right. Waiting to see if it gets done according to the way they say it will. I am going to yell so LOUDLY if they don't get it right. we will see.

2 days ago

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Alexander Hanewich

Very responsive to your calls and needs. Anyone I have spoke with were knowledged and polite. It's a bit of a long process on the phone when you first get involved is my only unsatisfied feeling. Not everyone has that kind of time to be on the phone, nor the service sometimes.

4 days ago

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Clarence Jones

Clear and concise questions and answers. Quick and direct responses with alerts and notifications of settlement offers. Maintained contact during the process until the final settlements and loan approval.

3 days ago

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Bobbie Johnson Cincinnati, OH

I like because they accepted me so quickly and that they have paid on my creditors but I'm dissatisfied with the amount each of my creditors are getting. I'm a little dissatisfied with the amount that they are paying my creditors on my behalf because I'm still left with balances that are not in reach for me to pay, it's just like putting a Band-Aid on a on a sore. I wish they would communicate a lot more and try to get more from my creditors to help me out, in other words them paying my creditors I still have a fairly large balance to pay afterwards. Don't get me wrong I really like that they accepted me and offered to help me pay my creditors off but I'm disappointed because they're not getting more out of my creditors than I thought so it will help me. My two most expensive bills that would that would take years to get those paid off the way that they are going about it so that's why I had a relative that offered to help me pay two of my creditors off.

5 months ago

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Edward Cooper-Narvaez

the associate in was in contact with was very patient and explained theprocess carefully. I'm still worried about the moneys I owed that will get paid before their due date.

6 days ago

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Collective

Well so far so good but it is only my first day and just getting acquainted. My contact person however has been excellent seems very concerned with my welfare first.

1 week ago

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Jason Lord Portsmouth, NH

Overall pretty decent company. Only complaint I have is when they send you an offer they show you the percentage deduction of the balance you'll have to pay, but they show you the higher percentage deduction from current balance not at time of enrollment. Usually your creditors have been charging you past due fees and over limit charges reaching up your total balance owed. Other than that they do ask the negotiations for you and you will save tons of money not paying interest anymore

1 month ago Edited February 15, 2024

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Howard Powers Tacoma, WA

They gave me piece of mind when i was fielding debt callers and missing payments. Ea situation is different but 8 months in and I have accepted the loan to clear my debts, no settlements remain. Fee structures are mentioned but may surprise some. In the end I think paying them to manage what I couldnt, and leaving me with a better outcome than I could achieve solo is worth fees, interest, and the tension of waiting.

1 month ago

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CindyB Austin, TX

I'm new to the program but am satisfied with everything so far. Communication is the best thing about Americor. They always keep me informed on everything that is happening whether it be a strategy call or a one on one chat. The strategy calls are very "robotic" but they have to follow the script so I'm good with that. If I chime in with a question or concern they seem to have the right answer for me. I'm glad I made this leap and I'm glad I did it with Americor.

1 month ago

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Donna Knotts

It real easy to use I like that I can see exactly where my money is going it takes a huge hit on credit score but getting things paid down faster is the goal for me I will be completely out of this dept in 2 years and 3 months so I will be in the program for a total of 3 years its a lesson to be learned and u learnt my the hard way thank you to Americor for helping me along the way

1 month ago

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Tina Lauro Farmingdale, NY

Martin was very good at explaining things to me to and was very helpful when I had questions. The only thing I was a little upset with was when I went on to create my American portal I saw that each month my payment was going to about $13 more due to a fee. It still stayed within my budget but I should have been told about that. It doesn't change how helpful Martin was and he made the process very easy. He also seemed very relatable to me and financial troubles!

1 month ago

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Linda Selzer Boston, MA

I can’t give you five stars, because no matter how well you did, and you did do very well, it’s a terrible experience to have to go through. My account rep was very good and very professional. My only complaint was with the welcome I had to sit through with the next employee. I was exhausted after going through everything and to have to listen to it. Rehashed was a little too much plus the woman knew that it was a little too much so she spoke so fast that I couldn’t understand a word she said I haven’t done anything yet, so actually, I feel like it’s really too early to give a really full review , but thank you

2 months ago

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Robyn Odenville, AL

I'm trusting the process. I thought one of my creditors settled but, Americore informed me that they never received proper documents to pay the creditor also that if I was to pay without legal documents then creditor could then still charge me the remaining balance. It is very difficult being patient especially when another creditor services court papers to you. I'm happy to say, that creditor has settled right before the New Year. One down and 9 to go. The one thing that I didn't understand was when negotiations was settled I never recieved payment plans. I just received settlement amount. Is this weird, because I had received a letter with payment for settlement on the 1st one, who had neglected to send proper paperwork to Americor.

2 months ago

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Starry

It's been good. Everything is getting done. I didn't really get too much communication from them. Mostly just on the app, I kept looking at my accounts and then I just kept wondering what was happening and just didn't hear much. They could at least send some communication, maybe by texting or something like - let us know, we're working on it - more personal communication. Not just the little app page they have there with the accounts and the numbers. Something a little more personal.

5 months ago

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Tareq

My experience is very good because my debits was very, very high. I'm still a new customer, just the first payment. But right now I'm very happy with what's going on with me. I heard about you from too many friends. He deal with you that's why I take the app from him and apply. So I hope my life doing much better right now. I hope the future also I can get some some more loans, I apply after two or three years.

5 months ago

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Ginger Leclair

They company did get me a really good offer and a fairly good offer I just wished they would have heard from them while I was waiting.

1 week ago

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Roger Macomber

They always answer all my questions honestly, respectfully, and completely. Everyone I have spoken to has always been professional and personable. I would highly recommend them to anyone in need of their services.

2 weeks ago Edited March 25, 2024

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Cecelia Torrance, CA

So far, so good. They stay in touch and are very helpful each time I need to contact them. I just started and have already gotten a settlement response from one of my creditors. It's a good feeling and motivates me to keep going. So stay tuned!

1 month ago

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Doris

I feel that they listen and answer my questions which makes me reassured. I have no problem with how they encourage and help me to work toward the goal that has been set. I’m always able to get a person to interact with when needed. I am very grateful for their help and support during my hardship.

1 month ago

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June O'Connor Eureka, MT

I have spomen to membrrs of the Americore team. Marjorie was very clear & brought a good sense that the process of Debt management I'm about yo enyer is in good hands Im looking forward to the process, to bring my life into a new place of being Debt free.

1 month ago

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Steve Paradie Palm Coast, FL

I love the fact that they are helping me get control of my finances. What I don’t like is how I had just paid all of my bills for the month and had only enough money left for groceries and gas but they said they needed a payment before my next check came so I couldn’t even buy Christmas gifts. I know once the program gets going and I can get control again, it will be good. I just wish I had a little more time to prepare. I have only been working with Americore for 1 month so far.

2 months ago

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Paula McMullen-Davis Columbia, MO

I am getting close to ending the program! I can see the light at the end of the tunnel. Heather was patient with me, we were going back and forth bc I did not understand something. I talked to Brianna last week and she made my day with her good news. One thing I can say is, Americor helped me see the program to the end, even when I was at one point wanting to give up. I was so close to finishing and I was ready to throw in the towel. I have an excellent payment history, no late bills, no missed payments to anything, payments are early. Thank you for being patient!

2 months ago

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Ginger Hess Buffalo, NY

I love how they take much of the stress off of me in dealing with the negotiations with creditors & constantly keeping me in the know of what's going on with my debtors. I'm less than a year into the program & I'm praying I come out financially positive, so I may actually begin to save money.

5 months ago Edited February 12, 2024

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Ellie

I was very nervous coming into this program not knowing how it was going to truly work out. We are still in the process of settling all the debt, but ,it is going smoothly, Americor is great at staying in contact and all of my concerns are being addressed. I don’t believe anyone takes on debt they don’t intend to pay off and having programs to help people navigate the process helps. Everyone I have spoken with has been professional and friendly, which I really appreciate in an environment where a lot of customer service representatives are not. One of my favorite features of the Americor app is being able to upload any documents that creditors send. It really reduces the amount of leg work I have to do. Also, the Q&A and support sections in the app are great sources as well.

3 months ago

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Marceline

America is the best he helped me a lot my credit was on 23,000 and then negotiated for me and now I’m paying you on 13,000 and I almost done you help me a lot

3 weeks ago

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Estelle Easterling Boston, MA

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

1 month ago

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Jim Romano Enterprise, AL

Americor has help ease my mind just knowing they are working for you help me a lot. They do listen and once they are aware of the situation, they get things moving in the right direction.

1 month ago

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Bobbi Hague

The current representatives are friendly and do their best to work with you. It has taken me a few months to feel comfortable with the company. Now, I love what they are doing for me.

1 month ago

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Venita Childs

I truly appreciate the professional manner in which my case was handled; however, the information transfer between the time a creditor settlement was reached and the actual approval was not conveyed clearly.

1 month ago Edited March 21, 2024

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Trudy Jackson

I just started, so unsure how this will work for me. I hope it is everything I heard from the agent. At this point I feel good about it, much much better than Freedom Debt Relief as they never contacted my creditors and consistently emailing nothing but advertisements on what I should be doing to help myselg, and blowing the company up.

2 months ago

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Tony Green Henderson, NV

I just signed up, we'll see how it goes. If I can, I will post an update in a few months. So my preliminary review is good due to Derek's professionalism and patience. However, my program starts in 2 weeks and I will judge when results start to show up.

2 months ago

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Danette Houston, TX

I can only rate on representative help in explaining and signing up. I can't rate on program as a whole because I just started not even a month in yet so no real results other than deposits.

4 months ago

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Jennifer McLeod

Had a big misunderstanding early on. They corrected it immediately and took care of things quickly and courteously. Signed up a couple of months ago and so far I’m having a good experience.

4 months ago

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Charles

while I enjoy the accomplishments of Americor, the monthly fee is very high for someone living on social security. It would be nice if you reduce the fee since I only have one more card to be settled.

5 months ago

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David

They're a really good company to go with. It's just so hard to get in touch with them. They were very respectful. The people that works for them are very trustworthy. They haven't got the stuff taken care of yet.

5 months ago

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Tyrone

They were very informative to me, contacting me with everything I need to know. Make sure you are aware that when you put your creditors in this portal that your credit score will plummet and you have to rebuild that.

5 months ago

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Samantha Gerhardt Wentzville, MO

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5 months ago

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Igor Len

Good thing, this company does what they promise to do. They will negotiate a lower rate with your creditors. In the end you will pay much less than you would've pay otherwise. Or even better, the may help you to avoid a bankruptcy. Bad thing, some things are not said upfront, such as the fact that amount that you owe at the time you subscribe can go up significantly with some of the creditors. While you will be waiting for Americor to reach out to them with the amount of money that you deposited, the creditors will charge you penalty every month And the farther it goes the steeper it gets.

3 months ago

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Linda Kanab, UT

The only reason I didn’t leave five is because there were times that I didn’t hear anything and because you’re so worried it would be nice for them to check in. I had the app I did go with Credit 9 and right now I am debt free except for the bill to them and just the weight has lifted off my shoulders so thank you.

6 months ago

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Reply from Americor

Your positive review brightened our day! We're honored to have played a role in your financial journey. We do reach out to all of our clients during enrollment, however, based off the information provided, we could not locate you in our database to further investigate. Remember, at Americor, your well-being is our priority. Best regards, Americor

Sep. 25th, 2023

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Lori Chippewa Falls, WI

I didn't like that it took so long to get the first settlement, but now they have been coming pretty regularily. The only real complaint I have is they don't seem to be very responsive to emails, just receive a computer generated response with generally no followup. Other than that, I'm pretty satisfied with the progress so far

6 months ago

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Reply from Americor

Thank you for taking the time to share your positive experience with Americor! It can be expected that your first settlement can sometimes take longer than expected. However, we're happy to see you've been happy with our services. We look forward to continue working with you. Best regards, Americor

Sep. 25th, 2023

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Cynthia

I was not able to reach most people when I needed questions answered. The only person I was able to reach was the person I spoke to the first time and his name was Eda and he was wonderful. He had to ask questions to answer to his supervisors to be able to answer my questions.

8 months ago

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Jeffrey

It was a very appropriate and just very helpful situation. I thought Americor very helpful. My rep was very patient. She helped me out, gave suggestions, gave ideas, she listened very carefully to what I was saying and answered any questions that I had.

8 months ago

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Melita

You should talk to the reps to explain the circumstances you have right now, to see whatever they can offer to help you. The person who's taking care of me is listening to me and tries to advise me on whatever is the best. So far it's very good. It's helping me.

8 months ago

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Shonterria Barham

I was very hesitant at first but everyone has been very professional and considerate!

5 days ago

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Paula Starck Allport, PA

Well I was under the impression I was going to b debt free in 3 years and it's going to b closer to 5 years now! I made payments to Americor for 8 months then was offered a loan to pay off all of the companies I enrolled in the program. I was told about what they thought they could settle my accounts for which was about half of what I owed. But what I didn't realize was the half they negotiated was how they get paid. So I now have a loan to pay off plus the interest rate is high! They say if I keep up with payments they sometimes offer to refinance at a lower interest rate, or I can seek a loan thu another company to pay off. But I don't think any other companies will offer a good rate after going Thu the long period it took to negotiate so my credit score went down by 100points! It's a hard thing to think about because I've struggled for so many years to get my score to b at a 700! I've been thu a lot and I will get thu this too it's just that I was depending on that 3 year mark and that's outa reach now unless I could increase the amount of my payments but I most likely can't do that because of the cost of living and being a senior we don't get an increase in our income! And I retired on disability so I can't work to make extra money. I know I have the peace of mind I will get there and the collection calls have stopped but it was constant for awhile!

1 year ago

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Ruy Carpenter Sebastopol, CA

I think overall Americor has been very professional and courteous with me, and have gone above and beyond to answer questions and provide useful information. The reason I am rating them a 4 instead of a 5 has more to do with the whole industry and process of debt consolidation, because I feel like I had to really press and ask difficult questions to get the full picture. Fundamentally, you are transferring debt from one place to another, and at the end of the day I am not saving nearly as much as it sounded like I would be in the orientation. If I had the means to pay the debt off quicker I would save more, but staying steady with payments essentially leaves me paying about $1000 less on a $20,000 debt.

1 year ago

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Joseph

They have a nice website and app. The process takes quite a few months from what I've seen. We just had a little glitch with their automatic calling system there were they kept calling me every couple hours there for a week and I already talked to the person for my welcome on board meeting there so that was a little annoying but otherwise so pleasant overall. The process was super easy, the gentleman that I worked with to get on boarded was very pleasant, knowledgeable, and explain everything out according to how they operate everything. He never made me feel embarrassed or anything and just walked me through everything and it was nice to fully understand the comprehensive service they offer.

1 year ago