Americor Von Karman Ave, Irvine

Easy to sign up. Easy to consolidate debt. I was able to save a lot of money. I even was able to pay off my debt faster then there plan. And that’s where I problem is. They claim once you pay them in full. They will pay off your creditors and you are done. The problem is I paid off my debt early and they still have not closed my account out. They still drafted the money out of my account for the normal payment when they told me they would not. Now when I call customer service they can not help. They say another person will have to call me back in 5 to 7 days. What kind of customer service is that. Guess what they don’t call. They are quick to take your money. But they are slow as hell to stop taken your money. Save yourself the hassle of dealing with this company and go with one with better customer service.

WORST MISTAKE OF MY LIFE!!!! :( Please learn from my mistake and steer clear of AMERICOR’s sales pitch. #1. They keep 25% of the value you present to them, even if they do not settle for 50%. Most of my accounts were not settled for 50%. They also have extra fees charge every month. #2. I have court documents permanently placed in public records, showing my court hearings due to defaults (using this plan). #3. My credit score has gone from a 750 to a 500 due to this process, causing high interest rates. #4. I have received documents that I have to file with my taxes for the amount not paid( the negotiated amount settled was of course less than what I initially owed) In the end, I am paying more than what I presented to Americor. I only left Americor paying $2,000 less than what I presents to them. This amount is after all their fees. I am paying high interest rates due to the bad credit created using AMERICOR’s plan, causing me to owe more! We also have to file the amount not paid during tax season. My experience, in a nut shell: I have horrible credit, I have this showing on my public records, in the end I owe more money, I will pay what is due this tax season. Not a good plan!! During the process I found customer service to be very inexperienced. I was always speaking to a different person and they all had completely different explanations and balances. Americor explains how they will convert it to a loan after a year, and they failed there too. I had to find my own source to pay them off, as mentioned above, once again, with bad credit causing high interest rates! This place is a FRAUD!!! Save yourself grief, stress, time and money. Consolidation through a reputable bank or credit union is the best advice I would like to give. Don’t use these companies that ruin peoples lives for their own capital benefit. Please see pictures for facts, since Americor wants to portray that I was never a customer. Another reason why not to deal with this company. Picture with their outrageous fees. Program summary picture is false, but this is the picture they paint for you. Program summary picture add 25% of $42,000, to the 28,000…plus the extra charges for transactions etc… it’s not worth it. I have attached my tax document: the amount not paid, will add to your total amount of income for the year. I have also attached the Warrant submitted to me from the courthouse. THE ONLY REASON I AM DOING THIS REVIEW IS TO HELP OTHERS. There are times in our lives that we get ourselves in situations and we become vulnerable, but please learn from my mistake. Americor has made everything worse for me. Do you remember me now, Americor!! One thing I don’t like to be called is a liar!

I just signed up with Americor few days ago. Sir-Julian Riley was very friendly and helpful. He is also knowledgeable, and explained how the program can help eliminate our debts and how much I can save. I hope everything will work out. Thank you for your help and support Sir-Julian. You are an asset to Americor. Excellent service! Kudos!

The person who helped me over the phone was very pleasant and helpful. He explained everything to me and I was able to understand how the program works. I am so pleased to get started. Thanks for offering such a great program. In three years I will be paid everything off. Such a Relief!

This review is for the start up process, as I just initiated less than 48 hrs. ago. The rep who took me through the process, Alex, was very knowledgeable and accommodating, I felt. Info was provided in an easy, no pressure attitude, which I appreciated very much. We will see how it goes. My initial impression is very favorable.

I am not joking when I say I was over my shoulders in debt. I felt alone, like no one could help and worst of all... that I would be scammed if I tried to get help. I stumbled across Americor online and gave them a shot, this was the best choice I could've made. They created a plan with me for how to handle my debt, negotiated on my behalf and made me feel like I wasn't alone. Americor helped me to put my life back on track and I will forever be grateful and sing their praises.

Customer service is top-notch with this program. Even when I cancelled they were great. The only area of improvement would be to inform customers of the time it will take complete the interview, so that they have the time to see it through. They kinda “bait and switch” you, so that you think you are applying for just a loan, to consolidate debt, not knowing that this is a whole program. Finally, I was uncomfortable with the fact that I was being instructed to go delinquent on my credit card accounts, so that they agree to a settlement amount. The program is ideal if you are already delinquent, in collections, or at the point of bankruptcy. Not recommended if your accounts are in good standing, in that case, find another way.

Started in September 2021. So far so good they negotiated 4 out of my 6 accounts already saving me half of what I owed. Your credit score will go down a lot which sucks but now it is slowly going back up. I’m looking forward to the outcome.

Devin was super helpful friendly and nonjudgmental. I’m so thankful to have someone help me. Also CS was super amazing when I called the next day Everyone was so friendly. Although I’m new to the program, I’m sure this company will help me through it all I’m confident in that because of the interactions I’ve had so far. Thank you.

4/19/22 Update: The last message I received from Americor was from 4/12 and it was not regarding anything of this complaint. I would be happy to respond appropriately had I received any message regarding lowering my payment especially since I have been waiting for a response for the past week and was told last time I spoke to your company that I would receive a message. Not only does Americor fail to properly negotiate their customer's account but they lie about it too. :) I look forward to ACTUALLY hearing from you regarding this. Americor failed to negotiate a settlement with my Discover account and therefor my wages were garnished. Americor then refused to lower my monthly payments. They continued to take the same fees for themselves despite failing to do what they said they would do. The customer service representative admitted that they have trouble negotiating with Discover and American Express and that this frequently happens with Discover those accounts.

Overall not a bad program if you are in an extremely bad situation. Here is the catch, you have to wait a whole year to receive the loan portion of this program and there is no guarantee that you will be approved. During that year of waiting, Americor is asking you to not pay your debts while they negotiate a settlement yet you are paying them a fee. Why do that? So just evaluate your situation before you decide.

Do not use this service!!!! First off Americor will promise you outcomes they cannot produce. Secondly Americor is hard to get ahold of when you do need something and they lie to you when you finally get someone. I wasted almost 3 years with this company and everything they promised me in the beginning became a lie. I tied up thousands of dollars just for them to keep asking for more money. Trust me when I tell you Americor is a scam!!!! Save yourself years of headaches.

I had a very pleasant experience with my representative Liz during the phone calls. She was very professional easy to understand and answered all my questions. I’m glad I reached out when I did to Americor

I had a very wonderful experience with my welcome agent. She was very courteous and knowledgeable. I think she should get a commendation for her amazing service.

Stay away I was told I were able to get a loan to pay off my remaining debt in a year I was denied. My credit is in worst shape than when I started the program. Don't let them sell you on going delinquent with your credit cards accounts it's just going to create a mess for you to clean up.

My CSR Jain was very helpful and progressed through the entire process of cleaning-up and identifying errors, fraud, etc. with the lenders I had relationships with. I would recommend Americor to any person that seeks assistance involving credit issues.

I started out with 16k debt and ended up paying off the negotiated value in about 20 months. I had forgotten that I even had debt. I am excited about raising my credit score now that I have learned so much and am debt free!

I wish I can give them 0 reviews. Everything is fraud and scam. please don't be surprised by 5-star reviews because they can do that steal people's names and pic from anywhere in the world. So this is my warning to anyone trying to join this fraud credit settlement scammers. don't think even once to do so. those who are running this business God punish you.

Everything went quick, and smooth! They were able to answer any questions I had, and provided broken down, easy to understand answers to any questions I had. 11/10 for customer service!

Garrett is very nice and helpful. I have a lot less stress since he helped me start my account with Americore.

I just started the program., I have been struggling for a while now, and this way of getting control of my credit, just makes sense. My account rep. was very professional and no judgment on my decisions situation.

Honestly I wouldn't know I am a new customer, but I have been reading over reviews, and I have been seeing mixed reviews that is got me concerning I just hope it doesn't happen to me. So, as a new customer I have every right to be scared.

Shout out to Carl. He explained in detail all options to me. Very knowledgeable friendly and professional. This is a very helpful company. If you have any debt problem like myself due to a fraud my ex-girlfriend committed on me a couple years ago. i have worked through and solved most of this situation the last hurdle i really have to clear is gonna happen thanks to Americor. Recommend Carl and all team members there. a great help

The agent who contacted me at first made me feel very comfortable while talking to him on the phone, made me feel like I was going to have a good experience working my accounts out of debt with Americor but now after I paid off what I was supposed to pay they are asking for another 10 months of payments. In July they told me I was short $1800 to settle the last account, then in September $2400, October $1800 again and every month they change the amount and don't help at all with the negotiation to settle the account as I was supposed to finish in October. If you have debt and need to work with a trustful company this is not one of them, they are liars and wont help only will charge you 25% of your debt and when you finish paying the program they will try to cancel it and refund you a few pennies and ask you to keep working by your self. They offered me to settle my accounts for 50 to 60 % of the debt and now they are asking 90%. I filed a complaint with the BBB but did not help so I want to warn people about this fraudulent company. Beware of them as I will end up paying more money than what I owed. They also have very rude people working for them and will respond to you until you do what I am doing now or file a complaint to BBB.

Everything went smoothly throughout the whole process for me. When I did not understand something or had a question, whoever answered the phone was able to help me by explaining everything in terms I could understand and helping me to feel comfortable. Now I am debt free! There is no other place to be! When you see that everything is paid off and you are in a great place in your life, the place we should be, you feel free! Free indeed! Thank you, Americor, for your help and dedication to helping see this through.

I have so far made 24 on time payments, totaling over $12,000. Three accounts total! Two they are paying on, and one they haven’t even started! 2 years into the program! Now I’m getting people coming to my door, serving me court papers, along with multiple court documents in the mail! The two they are paying on, only add up to $6,000! But they say that they can’t start negotiations until they get more money! And my credit score went down about 230 points! I so wish I never signed up with this company!!!!

The best decision I’ve made, my credit score is above 600 and it keeps rising. I am planning to be debt-free by the end of this summer. Even if I have to add extra funds. 😆

Horrible experience. They are very misleading. They explain that your credit will only take a hit for 3 to 4 months. That is not the case. Toward the end of my contract the wheels began to move very slowly. I spoke with multiple operators from americore, was told a different story everytime and was promised call backs from other departments. I never received any of them. I requested pay off balances, made large deposits to the company thinking I was done with them only to find out they said I still owed more. Everything jumped around so much while moving so slowly I couldn't keep track. My credit is full of delinquencies and charge offs. My future plans are no longer possible. I should have done my research. I got myself into this mess but Americore only added fuel to the fire.

Last week I apply to them for help. I got myself into a jam I couldn't get out of by myself. Niru was very understanding of my problem. We talked for over an hour. She is going to be helping me save over $600 a month. Thank you Niru.

Honestly, I've not written many reviews in my life but I feel compelled to do so today. I want to say that Carlos has been professional, friendly, took his time with me which means he didn't rush me at all. He also took the time to answer all of my questions ( and I had many!). About a year ago I had an experience with another company and it was most unpleasant. The guy talked a million miles an hour, tried to talk over my head and seemed agitated when I asked questions. Carlos was just the opposite. This is a very important financial decision to make for anyone and after talking with Carlos and going through the sign in experience I feel very comfortable dealing with Americor and feel like they will treat me honestly and fairly. I'm glad y'all have Carlos working with you and hope you keep him on. He is a most definite asset to your company. Thank you.

Jesse was awesome in explaining how the program worked and what to expect! Looking forward to working with Americor!

Terrible. Hold times are endless, the person you finally get can't help you, there is no person dedicated to your account, and your credit will be in the swamp for years and years to come. You're much better off just negotiating with your own creditors, they are not doing anything you can't do yourself.

I had a great experience the people that I dealt with were terrific. Lauren walked me through everything step by step. She was great.

Worst company ever! They promised to help resolve my Dept I would have just kept paying and been better off now I have to fight in court because they did not take care of their end of the bargain!! Court costs,summons , etc all while I pay them monthly. Never again!! BEWARE

The little time I had with Mr. Mark Isiboro was convincing and thorough, he was patient with me other word he wanted to help me with my financial situation and I'm very satisfied

Professional, responsive, courteous, great customer service, considerate of financial situation, very help ful with clear understanding. Tim Young was awesome in these areas. Greatly appreciated.

Very good customer service. Help me understand the full process before we started and I'm ready to see the results

These people are lazy and non responsive. My wife worked with them and they did nothing that was originally promised and left our credit in shambles. Please take my advise and go elsewhere for help.

you are better off reaching out to your banks by yourself. many of them are offering assistance due to the pandemic, and i was able to reach a settlement with one of my banks within a day without ruining my credit, while i’ve been paying americor for half a year and my credit has dropped 200 points. americor has stolen almost a thousand dollars from me. i had to put a “stop payment” with my bank so they’d stop taking my money in unauthorized charges. the people i worked with were very misleading, dodgy, and sketchy overall. all their workers will tell you different things and in the end they just want your money. do yourself the favor and reach out to your creditors first!

I recently completed my debt resolution program with Americor and I couldn't be happier. Every representative that I came in contact with was highly professional, courteous and helpful. Everything that was explained to me at the beginning of the program happened as expected. I would highly recommend Americor to anyone that needs financial assistance.

I found this company to be above board, trustworthy, and credible. Its hard to trust with so much fraud going on especially on the internet. And finding help with loan products is even harder. The talent at this company is professional and beyond helpful. Their interest in you as a person goes well beyond some commissioned sales gig. They truly care about people, their financial needs, and the responsibility that goes with representing credit debt solutions. They gave my wife and I the time it took to complete an application and see it through to completion. We did change our mind in the end but were given the respect to make our mind up with their concern being evident about our financial future. Of course they're soft selling a product but with the intention of avoiding excessive interest and with low risk results. Thank you to the agent who helped us and for understanding our needs even if we change our mind. We did appreciate the time you spent with us!

I had the pleasure of getting helped by Shawn. He was very helpful and made me feel very comfortable in such a uncomfortable situation. Very kind and professional to my situation and was very truthful and helped me understand the reality of my situation.

My debt specialist, Cody, was very helpful and I felt like I was listened to about my financial situation. I give much recommendations about this debt program!

I was very pleased how everything went so smoothly for me and that my progress will go very well in the near future.

So far so good. They walked me through every step of the process. And gave me peace of mind.

It was soo fast, I’m happy that I can finally pay my bills… thank you very much

It was easy to understand what I have to do and when it's time there page where show me where I paid them so your page is easy to understand thank you

People better wake up and see what king of thieves these people are. They will ruin your credit. They do not negotiate the best settlement and please please make sure you are aware they are charging you 25% of the original debt!! And you pay them first before your debtors are paid. Such a rip off.

While I am still in the beginning stage of getting my debts in order, I have been treated either respect throughout the process.

Very easy to work with. They are both professional and understanding of the situations that get us to this point in the first place. I definitely recommend this business if you are in need of financial help.

When trying to settle an account I could not get a straight answer from anyone. I called four different times and received four different answers. The amount they wanted to charge even with a settlement was outrageous. Even offering to get them a settlement amount they refused to settle they were going to continue monthly payments and was told I would still be in debt by almost 4000.00 dollars. This was for all of the extra charges. They let me go into collections with a chance of getting my wages attached and was told once I got the garnishment then and only then would they start negotiations. And when offering to get a lump sum if money they still refused to start negotiations. I did not feel they were there to help me. All I wanted was to get this paid and removed from my credit. I felt very let down and unheard.

I found the contact staff very responsive to my needs and questions. They were also very quick at getting started on my request. Very professional.

Devin was very helpful and made sure that I fully understood what was going on. Very patient.

Great customer service I received from Sam Americor Agent who signed me up for the credit debt program. He gave me time to think things over and I decided to get started. Sam explained everything very well and I am on my way to successfully pay off my debt. Heidi customer service agent also provided good customer service and she made sure I understood the credit debt program. I am confident that Americor will help me meet my goals in being debt free.

I spoke with a lovely lady named Jeanette!! She was patient, kind and really showed compassion!! She understood the stress I was going through. It was clear she was there for ME❤

I thought they were negotiating my debt down. Now I have been summoned to court to pay a debt that is in their program. I have paid them over $8000 in payments over the last 16 months and now I have to go to court and risk a Leon on my property and wage garnishment. When I called to let them know I am being summoned they tell me to keep my head up and send more money to the account so they can negotiate the settlement. If I had the money I wouldn’t be using the services. Then I proceeded to look at my account to see that they received over $3000 in fees for settling one account. I feel so defeated bc my credit is garbage. It’s so bad my own child won’t approve me for a $5 loan. They are liars about helping you fix your credit. Please don’t use them. Call the credit card companies yourself and settle your debt yourself.

I was blessed with a wonderful Agent, Cameron Dunn. He is kind, patient, very comfortable to talk with. He made my problem a very smooth transaction. I also feel good about this issue being resolved. Thank you for hiring good People. Respectfully, Penny Ray Goodman

At first was skeptical of the program but I was given proof of good business practice and Americor always kept me in the loop of all the negotiations. They prep me well and I believe helped me to be successful in the program. Just finished the program and my credit score is now fair and moving into good standings. Thank you Americor for your help in saving over $21,000!!!!

Changed the date for my Draft Payment and they ignored it and took the money out anyways. Leaving me and my son unable to buy food. They said it is a priority to get it reversed and no comment on when. Also my total that I was promised to pay changed to almost the full total of my debt which defeats the purpose of using Americor. Advice…just work directly with your credit card company and work it out on your own.

Steve Gonzalez was great to work with. He explained everything in detail, was very professional, and patient. He walked me through the agreement and then the portal. He called back as he said he would and he made the process very smooth and stressless for me. I very much appreciate this opportunity and feel quite hopeful after speaking with Steve about how this process works from beginning to end! I have a fresh start and positive out look. Thank you Steve

Worst company! Do not trust them!! They are ruining your credit history instead of helping you. Also taking same amount of money from YOU. WARNING ⛔️ ⛔️ giving you big favor Just stay away if you do not want to ruin you credit history for ever!!!!

I am Steven Horn. Client ID 604344 The program was going great, until it wasn’t. I received a summons to appear in court. One of my creditors, which I have enrolled in the program, is taking me to court. I have not missed a single payment in the program. That is hard to do. I sent Americor every bit of paperwork along the way. Every time I submit a document, I receive an email which seems to be an automated reply. They say they will be in touch and ask me to pay extra money into the account. They have not been in touch. They have not answered their phone when I’ve called. I went to court alone and ignorant against a major CC company this week. I was granted a continuance. I submitted info to Americor for the plaintiffs law firm. All I got from Americor was the same old response saying they would be in touch, and tell me I should put more money into my account. I replied to that email. They replied with the same non-service and almost mockingly encouraged me to put more money into my account. I have never failed to pay the agreed upon amount. Americor is failing me.

I was very pleased with the customer service, they followed up consistently and made themselves available with direct extensions and personal phone numbers. The only issue I have is that they were not as forth coming with the type of financial product they offer. I was under the impression that it was a credit consolidation loan. It turned out, they are more like a representative to negotiate with your creditors. I did not need a creditor negotiator so I declined their services.

I only have experience with opening an account but if the remaining services are the same quality, I will be a thrilled client. Explained everything to my satisfaction and Suzanne was very professional.

I’m not recommend bad company, to much problems with you credit score . The contract never finish more and more years . Never you finish pay you contract with company Americor. Really bad company.

Judy Gunton was amazing. This was a very simple, affordable quick process.

They help me out greatly and explain everything that they were going to to-do very clearly

I found Americor to be very professional. I spoke with someone that was clear and concise in what she was saying. She made sure I understood all that was involved in solving my problem with my credit. No matter how many times I would ask a question she answered without getting impatient or frustrated. I was on the phone with her for over an hour and when the conversation discontinued I fully understood everything. She also made sure I had numbers to contact if I thought of something after the phone call. I have been in customer service for 47 years I know good customer service when I see it ,hear it ,and experienced it. Kayden it was a wonderful experience.

SCAM!!! They will ruin your credit score and keep you in the program for a longer time just so you can pay for their fees on top of the settlement fees. My credit has been low since working with them in January. They first said it will take 2-3 months then 6 months and right before pulling out from their program they said a year to get my credit back to restoring. Then Qglobal the company they work with still deducted from my account and was never notified I cancelled my account with Americor. What a SCAM! Just negotiate with the creditors yourself because at least you will have a better credit score and won’t have to shell out all your money to pay their fees along with your fees to the creditors. Preying on people after a pandemic smh. Financial vultures.

If you are stressed out about your finances and don't know where to turn, I highly recommend giving Americor / Credit 9 a call. The Client Advocate who assisted me was extremely knowledgeable, caring and personable. Together we crafted a plan which has me feeling like a huge weight has been lifted off my shoulders, and I am now able to see a light at the end of the tunnel. My debt will be paid in a MUCH shorter length of time and I am out from under the high daily compounding interest that has been racking up. Americor has really helped me, and I am confident that they will do all they can to help you too. Good luck!

FYI - This review is being written while I am 14 months into the program. I read through many reviews and the program seems to work for some. I am happy for you. I am not happy for me and the others who are dissatisfied with Americor. I submitted 8 accounts into the program. There was one big piece of information that I did not fully understand. I thought the company was going to negotiate my accounts for a settlement, and I would make monthly payments until the settled balances were paid off. This is not completely true. Instead, I must have so much money in my "savings account" with them before a debt can be settled. For example, one of the accounts was almost 10 K, which to begin with would get Americor a hefty fee of $2500 (they get 25% of the original amount you owe) for settling the account. However, I found out (14 months into the program) before any negotiations may occur I would have to put $4000 in my "savings account" for that account negotiation. If I had $4000 to put in account, then I wouldn't have felt that I needed this company's alleged help. Did I mention this account is now in litigation with the court, and I have had to hire a lawyer to sift through all this? Thus, I believe this $10K account will play out in the courts with no help from Americor. I must honestly say I knew they made it clear up front they would offer no legal (they are not lawyers) help, but I did not think this process was going to need legal help. I thought the company was going to negotiate my accounts and not let them get into the courts. That is what I mean by no help from Americor. FYI - If Americor did negotiate all 8 of my accounts, then they would get a $6,979 fee. The promise of savings was not true either. My monthly payment to them is more than I was making to all 8 of the credit cards monthly, and their fee would take my beginning debt of 27,918 to 29,378 even with the alleged negotiated reduced debt. I imagine the savings would come by paying less interest because maybe I could get them paid off quicker. I would not do this again as I now know there are other options. My advice to anyone thinking about going with a debt settlement company is to weigh ALL your options before making a decision. No matter how desperate you feel with your debt, do some research first. NerdWallet has a great section on debt settlement within their website to help you weigh all your options. If you are wondering how I learned about Americor, it was through the multiple letter offers they were sending me. They found me; I didn't find them. I am looking forward to my "canned response" to my review below. Thanks for some but not enough help with my debt Americor.

I only gave 4 Stars because it is far to early to know the outcome of their program. As for the customer service and the personal attention I received from Carlos, he was exceptional. He was patient and through and understood my fear and apprehension. I am still somewhat anxious about all of the process and and getting through the next 6 months will be a test of will power and trust. I will say this, I would have tried this sooner as a way to attempt to get my debt under control had I known instead of a loan to try and do it myself. I’m not a very trusting person, but I do feel I made a good choice by following through.

The gentleman I spoke with had full knowledge and clear with his information. He answered all my questions without hesitation and took his time to go over what I was not sure of so that it was clear to me. He was very thorough and proceeded step by step. I believe this is a process that will benefit me since I am on a fixed income and need to keep a tight budget.

I recently have let my credit debt spiral out of control. I wanted something where I can put it in one place and work potentially refiance to get a lower interest rate. The team i have been working with have been very enthusiastic, they have been kind, caring and helpful! They have explained everything in detail and then always make sure I understand before moving to the next. The follow up and don't leave you in the dark. I am not happy with allowing my credit to get out of hand but I am happy with choice I made with Americor to help me get back on track! I highly recommend them.

Shane Hogan was my Americor Representative. He made me feel very comfortable. I was very apprehensive giving my personal information over the phone, however I did my research and found Americor to be very reputable. I appreciate Shane answering all of my questions regarding the process. I am pleased that Shane Hogan is my representative. Thank you.

The two people I have talked two, Shirley and Emily , have been so kind and understanding. To get this all taken care of and behind me to start a new is a great feeling . Thank you !!!

The Americor Representative, Ryan Lopes, was so very helpful. He explained the program, stayed on the phone with me as I asked questions and talked me through all of my options and went the extra mile to help us with our Debt relief. I would truly recommend this company to anyone in need of a loan or debt relief, it has been a terrific experience to deal with them.

At first I was very skeptical, I thought it was a marketing company that only offers you what doesn't really exist; But I just had to communicate with my agent Amber Carranza, who immediately identified our financial problem and assisted us in a compassionate, professional and incredible way! We were finally able to sleep away from anguish and stress! Thanks for your service.

Just signed up with Americor a few days ago. Representative was very helpful and answered the questions and concerns that I had. Seem very confident that they could help me in my situation and help me get out of debt.

Can someone tell me what's going on? Have you notified Regions Bank, Merrk, and especially American Express?

Americor helped me cut my debt from $24K to $12K. Thankfully, I was able to pay it all off in less than one year. Whenever I had questions, the customer service team was always quick to reply and I always felt cared for. I highly recommend Americor.

I wanted to share my customer service experience with Carlos Sanchez. In my opinion you have a very valuable employee: he's very informative, patient & goes the extra mile to find solutions for my matter in hand with no pressure,its been a pleasure!

Devin did a great job. I am excited to get my debt under control and take back my finances. They explain everything to a T. Guides and goals. Forget what to do you can log into their easy access site or review an email.

The representative (Jacqueline) that I worked with was very friendly. I was very hesitant on joining the program and had my concerns. Jacqueline explained two programs to me in which I really liked one of them. After we signed documents, I registered on the portal and and noticed that I was in another plan. When I reviewed the documents I signed I missed where it showed the terms provided to me. When I called to inquire on it, I was told that the initial planned explained was not a plan they had to offer. I did ask why they offered it to me in the first place and all they answered was that it was a plan that they offered. They didn't go back to recordings to review. When I got in touch with Jacqueline she said she would have someone higher contact me. They did, but the same result. The program they placed me in will get me out of debt, but not the way it was originally explained. I wish they would have followed up with listening to the recording and then explain why another "plan" was offered. In speaking with customer service it is a hit or miss on the friendliness of the representative. But I did get to speak to some nice, helpful, understanding representatives, But that's also the case in every company. I hope this other "plan" goes well.

Americor (Anu) was very friendly and professional. They are doing a great service to help me get myself back on track after a divorce and Covid. I would highly recommend Americor to help anyone having financial difficulties with unsecured loans or credit card debt.

Just started, but am very happy so far. Sean explained everything thoroughly, and this is allowing me to consolidate several obligations into a monthly payment that was lower than just one of my monthly loan payments. It was very easy and an ease to my mind and finances.

The representative that helped me was very kind, informative, patient and walked me through everything. I'm eager to get started on the journey to better credit. My representative was named Anu I would recommend her to anyone.

So far, my experience with Americor has been excellent, very professional. All of the people have been very patient guiding me through this process. We are not finished paying off my debts, but I am very optimistic. They have a very good system and it's working for me. I'm learning to pay with cash and live within my budget. It's amazing and I could not have done this without the help of Americor.

Our representative was extremely helpful and very knowledgeable of their products. He helped us choose the correct product for us. He went through the process with us step by step to ensure that we understood everything. He was very detailed and organized. Great experience! Definitely would recommend Americor.

Great at first. Now I am being sued by a creditor that wants their money. I had to hire an attorney and file an answer. Attorney and court fees are now up to 500.00 + . Still no solution or reply back from AMERICOR. WT?

The guys at Americor are awesome. Don Kim is who got me set up and he is very professional and knowledgeable about the credit world. I am very excited to pay off my debt in one year instead of 20 plus years!! I would highly recommend this company to anyone with large credit card debt!!

Brandi was amazing. She was able to help me save thousands of dollars and years of interest payments. Her professionalism aside, she’s easy to communicate with and didn’t pass judgment on my situation. The overall process was pain free and I couldn’t be more grateful for the help she’s provided. Thank you Brandi! The world needs more people like you.

Keith Foreman, from Americor, was very professional and pleasant throughout the whole process. He developed a strategy to put me on a path to financial recovery. I felt like I was working with a good friend who was helping me through my financial bind. I was so impressed with the outcome that I recommended your company to an associate the same day.

I am very pleased with the outcomes of my phone inquiry with my Americor Representative. I thought I was calling for another consolidation loan and ended up with a plan to consolidate without another loan. I was impressed that my representative was helpful, knowledgeable and very organized. I had all the emails at my disposal during our call to make the process flow smoothly, and the visual aids were helpful. She had the data for my financial situation in hand very quickly and just as quickly a plan for us to get out of debt much sooner than I would have anticipated. My husband was ecstatic that this plan is now in place for us so that we can get out from such a financial burden and get on with our lives sooner. 5 STARS

Americor is completely 100%a legitimate and credible business. I received an offer in the mail and really needed assistance with getting out of debt/under control and Americor is currently assisting me with achieving a debt free lifestyle! No gimmicks and no hidden fees. They are honest and are here for the people drowning in debt. They want to help and desire to see us living debt free lives. Christian assisted me with setting up my account and did a fantastic job with explaining all of the options available for my needs and situation. Now, I am on a payment plan that fits our budget and will have several debts paid off in no time. Also, Christian answered all of my questions thoroughly and professionally. He radiated knowledge and was determined to get us out of debt. Furthermore, Christian was highly knowledgeable and transparent about their services offered. Thank you Christian and Americor for caring about your customers enough to do whatever it takes for us to be debt free! I highly recommend this company! I greatly appreciate yall more than words can express. Thank you again and God Bless!

Customer service was amazing, Cody, the representative that helped me was wonderful and caring and knowledgeable and understanding. I felt comfortable and trusted him. However, as I started signing documents I got uneasy about how they actually did things. Definitely was not what I was expecting to consolidate my debt. I just emailed over cancellation papers before I even started the process. My mom started with them before covid and got sued by all her credit card companies and they only settled with like 2. I’m a single mom if 4 struggling because of the pandemic so the last thing I need is to be sued.

Last 3 years my wife and I together have endured 5 minor surgeries. Then you enter Covid pandemic lets just say we ended up in a tornado of high interest accounts. Michael with Americor is an outstanding person and a blessing to us. Slept SO amazing last few nights. Getting started was painless , but my favorite is that whomever gets you started.....STAYS WITH YOU through It all.

Emerson Rivera was extremely helpful and described the options I had available to me in a very concise yet informative way. He helped me along the entire process of setting myself up and even offered tips and advice for navigating the debt settlement process. I couldn't be more pleased with the information and resources that Americor makes available to their clients, and their staff is some of the friendliest and insightful I've ever had the pleasure to work with.

After their fees, the savings were minimal. They did not honor the payment schedule we agreed on after the first month. Twice during the process they informed me that they needed to add more payments AFTER negotiations had long been closed with my debtors. Added 6 months and $1800 to my original “settlements” even though those numbers never changed. Update - 2 star to 1 star. Today I was called by a representative from this company because of my review. Not to apologize or offer any solutions, but to be belittled and called a liar. The woman I spoke to told me conversations I had must have never happened because there weren’t notes and “we always put notes.” Told me that it was my fault that they changed my payment schedule because I should have called to ask questions then read to me the notes from when I called to ask questions. She then spoke to me in a very condescending way, explaining the process no less than four times after I told her “I understand the concept, but the execution could use a little work”. Ultimately I was misled, I was over charged, and at times flat out lied to. I also don’t appreciate being harassed for leaving a review that was true to my experience. My program is almost complete and I will be so happy to be done after 30 months of a 24 month process.

This review is for the start up process. Joseph and Colleen were knowledgeable and helpful during the phone call. So far, I am content with knowing that I will be out of debt sooner than expected. Looking forward to seeing how this will all play out. I will be sure to do another review in about 3 months.

I want to say how thankful I am for Troy Sweazie on helping me get the perfect loan. It has been hard to find the right company that is trustworthy and willing to help me better my credit for the future. I highly recommend using them!

They ere great a lot of good information. Jay he was my personal counselor . He walk Me through everything, this was my first time to reach out to any one. I just hope it turn out as good as Jay says.

THE Process of setting everything up went smooth and easy it wasn't hard at all the representative was very nice, and guided me completely through everything. He broke everything down to me and I seen all of the numbers. I will recommend them to anyone that has any type of debt that can be consolidated

Tim Geraghty called me back at the perfect time. He was prompt with his response and compassionate with his inquiry of my financial position. I could tell right away that I was not just another number or call for him; that he takes every call personally, compassionately, and professionally. His patience on the call was unparalleled, and his knowledge and honesty with me was outstanding. If you want someone to guide you through the maze of getting out of debt in a caring and knowledgeable way, Tim is your person! Look nowhere else. He's the one. Thank you, Tim! Thank you for not shaming me like others do about the situation I'm in. Thank you for believing in me and promising to walk with me through this difficult and emotional process. I hope for the many, many out there feeling down and out, feeling unworthy, feeling lost, that they would cross paths with you.

This was the worst financial decision I have ever made. We are trying to grt a house within the next year so I wanted to get my credit better so thought this would be a good start. I had my creditors calling me multiple times a day and sending multiple emails. My credit score actually dropped 75 points in 3 months. I csncellef and went back to the consolidation company I had in the past. Luckily I was only in the program for a short period of time. Don't recommend this company to anyone unless you want your credit to drop.

I had an amazing experience with my representative, they helped me with all my questions, were easy to understand, and were easy to process. I am looking forward to being debt-free thanks to them.

My credit advocate was extremely helpful in helping me to understand how this program works and the things that are important for me to do so that my debt can be consolidated down to an affordable rate that I can manage monthly. I'm so grateful that I made the decision to call Americor.

I contacted Americor to help with my credit card debt. Lol since I signed up with GeeJay I am unable to get anyone on the phone. She gave me her email, phone and ext. She responds to none. I have never missed a payment on my credit cards now everything is pasted due, need guidance but I am UNABLE TO GET HELP I FEEL SCAMMED AND I KINDA WANT OUT! THINK ABOUT IT BEFORE U DO IT. LOL THEY MIGHT JUST MAKE YOUR SITUATION WORST!

Americor was there for me when I wasn't sure how they through the debt that was hurting me just because of interest alone. Friendly, capable, and quite knowledgeable. They walked me through everything and answered all of my questions. Thanks Americor

This is incredibly sad. I’ve been using americor for about a year now. I have 4 cards within their program im trying to help with my debt. They have helped with 2 of the 4 cards but ’m currently being SUED for one of the ones they have not helped with. I’ve spoken to their “summons” department ONCE, a person by the name of Krista Phillips. Since then i've sent her several emails and have numerous times tried to get ahold of the number she provided as her direct line and ext and also several other numbers listed under americor, NO ANSWER. Usually I will be on hold for 10 minutes and then the call will completely cut off and hang up on me. This is all during business hours, only to be on hold then to be hung up on in the end without being able to get to ANYBODY. I have not heard one thing since I last spoke to her. I was left on my own to respond to the summons since I was not able to contact anyone there to pay them to help me respond. (WHICH THEY OFFERED, AS LONG AS I CONTACTED THEM 7 BUSINESS DAYS BEFORE SUMMONS RESPONSE WAS DUE. BUT NO ANSWER) I’m pregnant, I’m struggling, and I’m under severe stress as it is and to have these people so comfortably take my monthly payments without a hiccup, and not be able to contact me back in regards to something so important is very unsettling. Now im set for a pretrial conference and Ive lost all hope in them ever responding or answering their phones.

Helen was extremely patient and kind very helpful in making our decisions on which route to take. I love that I have a direct line to her for any questions that I may need.

I will start to finish they explained all my options to me and help me decide the best way to go forward. I appreciate all the work and all of the money that they were able to save me. Tim C

Very pleasant to have a discussion with and very understanding to your circumstances. They also make everything clear and if your uncertain they will break everything down. Awesome company

It was a pleasure talking to Jen and she explained everything and told her time so I would understand. Very happy so far.

Americor started off strong with my accounts. Within one month, one account was settled! Of course, no one knows the exact amount that the credit card company will settle on, but I had already imagined when I would be out of debt, only to find out that it would drag a bit longer than usual. In the end, all of my accounts were settled and I am (hallelujah) debt-free, thanks to Americor! Your staff was wonderful, polite and so helpful!

Great customer service and explanation of the process! Patient representatives willing to go through all the details and prompt follow up. When someone does what they said they would, when they said they would, it is a vote of confidence in my book. Thank you, Americor.

All the negative comments are people that did not get the program. Is simple Math, you as a consumer got in debt and need to pay it back. Americor gives you a solution which you need to control your expenses and make the payments, their job is to reduce the debt. Does it hurt your credit? yes, can you get your credit back? yes... I finished my las payment last week after 3 years and I am thankful I'm debt free. People, dont complain... get with the program and make the payments, don't blame them for your mistakes.

MY experience with Americor representative was professional, informative they took the time to see that all questions were answered, and gave me a solutions at the end of my meeting. l would recommend Americor to them for help and solutions , like l received, Thanks Americor.

I'm am just a new client for Americor. Going over everything with one of ur consultants on the phone, I'm was really pleased- he explained everything in detail- also answered ea question I had. . So far I feel really positive going with Americor .

Stress reliever..solve my problem can save money little by little will be able to visit my family in my country can’t believed that easily helped me consolidate my debts very helpful especially mason modde helped me a lot thank you all for all the staf very kind and considerate thanks a lot.

I am really pleased to have an opportunity share with others my feelings about the experience I had today with Americor. When I received the mailout I was, at first, a bit skeptical. However, when the client advocate took the time to walk me through the details of how the plan works, I found my concerns fading away. He never failed to answer any of my questions in a way that was both professional and patient. I have been under the weight of this debt for years and could never seem to get the slightest bit ahead. Today I feel such a weight lifted from shoulders and I have a positive outlook for the first time in a long time. Thank You.

I don’t know how I am seeing all these great reviews. They have got to be fake. I would not recommend this company to my worst enemy. With all their fees they didn’t save me any money. Almost got taken to court. Try anything else! Call your creditors yourself and work something out.

SCAM!! DONT TRUST THESE PEOPLE!! If I could chose 0 starts I would. This has been the biggest SCAM!!! Every couple of months they continue to add new scheduled payments, even after they had guarantee this wouldn't continue to happen. Happened on FOUR different occasions. Very unprofessional, constant lies and overcharging, and you will end up paying even more than your debt total! DONT CHOSE AMERICOR!! THIS IS A SCAM!!

Very informative Jen was so helpful while being friendly. Answered any questions. Explained things extremely well. Definitely recommend to a friend!

I was well informed of the company's policy and there was no discrimination towards me. I felt important and the representative was very patient and clear about the details explained on how things work with the company. I'm very satisfied . Thanks

They are the worst. Jacqueline Schulte is useless. I never missed a cc payment, so i trust them and get i served papers from American express. I would've just paid it. So now i have to pay the interest and court fees. I have to file papers and take days off from work. They want me to go to court and tell the court I'm a dead beat. I still have 2 more accounts unsettled, so i now i have to worry about them. They send me a letter telling me it's like playing chess. Obviously they never played before cause you are always supposed to stay three steps ahead . Anybody know any legal action i can take against them.

They were super helpful friendly and personable. They made sure I was taken care of and understood the process of helping me to get out of debt!! 😁

The person I worked with was calm and confident. He was patient and walked me through each step. He was reassuring.

They where very helpful in explaining thing so to make sure I understood what was going on and made me feel good about my plan to use them.

Easy process, even though I felt a bit nervous about it my counselor answered all my questions and made me feel confident about using Americor. Thank you Americor!

Omar was very professional and patient and explained everything in detail. He was able to help us with our situation with no problem. Update 03/26/22: lies! They said I was going to be able to get a loan from them after 7 months to pay off all the credit cards and just pay them for the loan, at the end they did not give me the loan and I got sued by my credit company. They have been no help all they want is to take you money and take advantage of your situation.

DO NOT USE THEM Worst mistake of my fn life. DO NOT USE THEM they ruined my credit and I even got a wage garnishment because of them. DO NOT USE THEM

It has been great working with Americor. The staff is very helpful. They have been flexible with payment deadlines during Covid surge which I admired. They also reached out to me quickly for any great offers.

Seemed great at first. Then one of my accounts went into collections. I sent the notice to Americor as instructed, status updated to reviewed on app. Nothing was done by them and now I’ve got a summons for court being sued by collection agency with nothing more than a give us additional funds to negotiate with or good luck in court. Maybe you could have contacted the collection agency and me to work something out BEFORE I got sued.

On boarding easy. But don’t believe what they say. Once in place they kept trying to increase the payment. Completely ignored a creditor that put me in garnishment for nonpayment when Americor told me to stop paying. When I called one representative tells me the notes on my account and that I would get a refund of unused funds in my account . When I was transferred to cancel my account ten minutes later there are no notes on my account and all funds would be used to cover fees. No refund. Also, they tell you to stop making payment on the accounts registered. That increases the debt owed, negotiated settlement and thus their fee. Fraudulent activity. It’s a ripoff!!

There customer service was great and they were very helpful

Renee Olivas was wonderful! She was patient and explained everything perfectly. She got me a great deal. She made me feel like she really cared about my financial future and was so happy to help me. Everything was completed efficiently and in perfect order. I got all my questions answered and all the information I need. I’m EXTREMELY SATISFIED with my experience and with Americor in general!

Excellent service by the representative. I am very thankful.

This company does not return your calls and do not send you information why they changed the amounts you pay monthly after you agree to a price and how long it would take to complete the program. They were to write a letter that they canceled it and never received it.

This company does have some good qualities, but their service is a bit misleading. On the positive side, their customer service team is most professional and easy to speak with. They will try to answer your questions in a timely manner. However, I did notice there were a few times when they told me they would call me back, but they never called back. Another positive is the client portal. It makes navigating through the program considerably easy. The interface is intuitive and organized, and I really appreciated that. Now on to the negatives. My biggest problem with this company (and why I've rated it 2 stars instead of 5) is that the program itself is a bit useless. What I mean by this is that Americor charges a "settlement fee" that is 25% of the current balance of the debt that you owe. So if you owe $10,000 on a credit card they will charge you a settlement fee of $2,500. In my case, they were able to get a settlement that was 22% less than the original balance, so I actually ended up paying more than what I would've owed if I had just kept making my regular payments. Why did I need Americor for this? On top of paying more money, my credit score tanked due to no longer making payments to the original company. I highly recommend people to only use this company if it is ABSOLUTELY necessary. The damage to your credit and then extra money you end up paying just isn't worth it. I got in to the program thinking Americor would help save me money while helping pay off my debt. I was wrong. Everything that Americor did, I could've taken care of myself and paid less money in the long run. You do not need this company. The company needs you. If you have the financial resources to make the bare minimum payment on your debt, I'd recommend doing that before inquiring about Americor. 2 stars

When I signed up 2.5 years ago I was told that I would have conference calls about my accounts from time to time, that has never happened. I have a summons to go to court for my last account. I added an extra $3,000 so Americro can make an offer. I was told I needed and extra $700 which I could do. Someone was suppose to call me to make that draft and that never happened. Within the last 3 weeks I have called in 3 times to discuss my account. Yesterday when I called in I was told there was enough in my account to make a settlement offer and someone would call me back by late this morning. I never received a call and called back again. Americor does not care enough to return my calls or to discuss my account. They are fine with me going to court in a few days. I wish I never would have hired them. It’s been a stressful headache.

Very good at explaining their program for debt relief solution. I am glad I contacted them.

My representative was courteous, kind and very knowledgeable, which made my experience very comfortable. I appreciated that he was very patient with me and his excellent knowledge and ability to take care of my needs. I would not hesitate to recommend these services based on my very positive experience.

I was in need of HELP. I received a letter from them in the mail and I called to get more information. The person who helped me was Santiago DallOrso. He was absolutely AMAZING. Kind, helpful, and patient. He even stayed late to make sure I was able to get all of my things squared away. He made sure to inform me on every single step. As someone who doesn’t know much about finance, I am so grateful to have had Santiago DallOrso help me. I really felt and know that he is on my side and is doing everything he can to make sure I can be on top of my finances. I am looking forward to continue to work with this business. HIGHLY RECOMMEND.

The agent I am working with, John, has been very patient and has explained things very well. This program is literally a life saver. I was at the point of no return with my finances due to several crazy and unexpected circumstances, plus many bad decisions over the past decade. Just when i thought it all caught up with me and I was seriously thinking bankruptcy, I got one of those dreaded ads in the mail but felt the need to call. I am so glad I did. The settlement agreement plan offered will have me closer to being debt free in just 3 years vs. a lifetime of minimum payments. I cannot say enough good things. From customer service, to correspondence, to the personal portal to follow each step of the way. Such a great company! Thanks so much.

This program is a complete scam. Finally made it past the initial negotiations of debt owed and now I am paying back $3,000 more than I originally owed to creditors. Huge interest rates and huge monthly payments. Learned my lesson the hard way. DO NOT SIGN UP FOR THIS PROGRAM. You’re better off continuing making payments to your current creditors.

I've been stressing every month about my bills and if I would be able to pay them on time and wondering if there was ever going to be an end to them. There was always something that came up making it impossible to pay more than the min each month so an end never seemed possible. Then I got mail for Americo and decided to give them a try. My consultant Zack was very professional, sharing his stories also, making me feel more at ease that I wasn't alone in this fight. I'm just at the very beginning stage of the process but feel confident that in about 3 years I will be debt free and have my credit restored.

The advisor was professional, prompt, precise and friendly! She was very easy to talk with.

Americore clearly explained the entire process of resolving my debt, patiently and thoroghly answering all my questions. They provided me with the numbers that I needed to make an informed decision on the best way to settle my debt. I have very recently enrolled in the program, but have confidence in their ability to help me navigate this difficult time in my life and successfully pay off my debt.

Americor is a trusted high quality debt relief program and are very knowledgeable in their field. I don't know of a better business to partner with in resolving your debt issues.

Very fast and easy very helpful with everything debt free less then 2years

My experience with Americor was very pleasant. Sam was very informative and and professional. He made sure I understood each step in the program before moving on to the next. I am excited to start the process of paying off a high interest credit card with a company i have done business with for many years. A company I tried to work with on lowering the rate to no avail. This program is an amazing avenue to end a long road of crushing high interest debt. Thanks Sam for your professionalism and making sure I was comfortable and understood the process.

Lisa R. explained the program extremely well to me in the very beginning! I knew my credit score would take a dive for a period of time; however, was prepared for this. I’ve completed the program and am happy to report that my credit score has recovered very nicely!! Thank you Americor for providing a way out of the hamster wheel of payments that never really get you anywhere! I’m credit card debt free for the first time in my adult life!!

So to sum it up I have to mention and can only write the phone call that I have only as a experience to go off of. The moment the conversation started it was clearly a expert on the subject but more than that and I believe it he has a big heart he has a drive from within to help I feel better now I feel assured in the process of no guarantees due to the phone chatting with the employee I will not mention. Shoot to company employee with 4 boys from client with 3 boys!

Devin Kelley was awesome! He answered all of my questions and didn’t rush me. He wanted to make sure I fully understood and was comfortable with my decisions. I left the conversation fully prepared for what comes next and excited to open an account with Americor. Thank you, Devin!

I worked with Kimberly Weldon, who was very pleasant, knowledgeable and professional. She was also compassionate and “human” about things we discussed- and that is what’s most important to me at present. As we all know, this past year or two have not been so wonderful for many of us. It’s nice to hear a pleasant voice when you are dealing with difficult situations, especially financial.

I have contacted credit9 to help me with my credit. They have been very helpful matching me up with a lender, Americor. They have helped me with my credit cards and unsecured loans. I am very pleased how they have helped me. They were very professional and kind and understanding. Thank you Americor!

I signed up for a "Personal Line of Credit" with FastLoansFunding that was actually Americor 3 years ago and I was scammed. I was clearly told that "after a few regular payments, I would receive a line of credit that would clean up my credit report and boost my score". What I received was really a debt consolidation loan, and all the charged off debts only made my credit worse. After 24 months of never missing a payment and never receiving a "credit line", I had to go to the Better Business Bureau before I received what was just a loan for the balance of the program with Credit 9. After paying off that loans with interest and service charges, and paying taxes on the amounts saved on all the settled accounts, I don''t believe I saved much money and my credit score is still poor.

Your business values of putting the customer first is to be commended. I was put at ease immediately regarding my financial situation. I didn't feel embarrassed or ashamed. The financial advocate assigned to me was kind, informative, and made sure I understood all the aspects of what would be happening in the coming months. Thank you Americor for helping me find my way back to financial freedom.

With much embarrassment, I decided to call so someone could help me consolidate my credit cards. With so much luck I spoke to Mr Dunn and with his great kindness, patience and especially his brilliance I was able to set up a payment plan that helped me and would eventually pay my credit cards off. I now can again sleep at night and enjoy my retirement. I wholeheartedly recommend anyone having difficulty with this issue reach out for help.

This is the BIGGEST JOKE.. RUN. To start off they missed one of my accounts, after I told them 3 separate times. I fixed that account on my own (way easier than I thought). Then when I am few months away from being paid off I get a TEXT saying they need to add 14 more months to the original agreement because they HAVE NOT SETTLED all the accounts. This is the biggest scam and JOKE out there. They also send texts after hours when you cannot call and physically talk to someone.

Alot of false promises. They tell you there’s no fees after settling but there is. I have one account that I literally will owe more because of there fees and the little that they even saved wasn’t worth being in the program because I ended up owing more before if 25% fees they don’t tell you about after settling. Then if someone serves you papers like a notary, they don’t help you at all legally with that if you have to go to court or anything they don’t help they literally leave you in the dust. And if you only have one account left to pay they still take your totally money payment even or the payment for a creditor is 300 less then the monthly payment. Really frustrating.

They helped me out more then I thought was possible, and took as long as I needed to answer all of my questions, and I had a lot of questions. The representative was totally cool and had an awesome personality. Very happy with all aspects of Americor.

Gee was great to work with I’d give her 10 stars but the letter I got was misleading that’s why the 3.

There is no value for service unless you value smoke and mirror approaches to financial assistance. They provide you with one monthly payment and fail to inform you your initial payments could actually be three to four times larger if an account is over 90 Days. Their approach in fact will in the long run ultimately result in larger payments because you will inevitably end up with accounts over 90 Days with your debtor. Do additional research and work with a legitimate organization with credibility and a legitimate approach towards debt solutions. I would even suggest working with a government program to assist you if you qualify.

Don't waste your time with this company! They will leave you hanging. They do not communicate with you or respond to your e-mails. I have received 3 summons. I've had to file papers with courts, write letters to judges, send multiple registered letters to lawyers....the headaches and stress never ends. I now have an actual hearing that I need to attend on June 2nd and Americor will not respond to me. I have sent them all my paperwork and multiple e-mails. I would have been better off continuing to make my minimal payments to my cc's rather than using this company. What they tell you when you sign up with them, and what they actually do, are completely different. Save yourself the stress and find an alternative! I wish I had!

They is very good and truthful they is really to help the r the people that really need true help

So far so good. Onboarding to the program is hassle free. I'll provide my updated review once the program is completed and all of my debts are cleared with no issues.

I am so close to being out of debt, it has been such a simple and smooth process it took the stress out of worrying about my debt. Yes there was a rollercoaster ride watching my credit plummet, BUT! it has recovered plus some and I got Americor to thank for that. Thank you all for the amazing work you all do, I will recommend you to everyone and anyone who may be in need of your services.

My second run at Debt Restructuring. I was against it and just was searching for a lower consolidation loan rate. Rene explained it differently and I realize how I didn't use my first run at Debt Restructuring to MY full advantage. There is a component here that if you do it right ... it will make a huge difference in your finances. It will take commitment and focus, but it can make you debt free faster than you think. Americor Green Plan is the way to go. If you are lucky enough to have Rene as your advisor, you're in good hands!!!

So upsetting. For the second times in 4 months. Americor took funds out from my bank 5 days before scheduled for process. This causes me so much anxiety. Came to Americor for help not to be put in position for deeper hardship

They have an Excellent program! It is the "Real Deal." I think that it is a great value for Consumers! Thanks

I had a great interview and was very helpful in what is needed to get me out of debt. Tony was very cool and informative. The process of what was needed in my budget and payment plan is what I need to do and within 2 to 3 years when I finally get out of debt, this would be one of my biggest choices. I should have done this earlier. But. like I told Tony, live and learn. Hopefully my experience can help others not become in debt. Thank You very much and have a great day..

I needed some room to breathe financially. I wasn't sure what would be my best option....refinancing my car, taking out another personal loan. I called Americor. The person I spoke with, now my case worker, asked me questions about my financial situation, was very professional, never tried to "sell" me on their program, gave me the ins and outs of how everything works, went over everything in detail with me. They're helping me with 7 of my accounts that I owe the most. This is a loan, but they work with the creditors for you. My payments will be lower than what I was paying those 7 creditors all together! And I will only be paying them for 39 mths! I asked lots of questions, repeated back what I was told to make sure I clearly understood. They have emailed, and at my request, sending me a paper copy of the service agreement. They even have an app to track the status of the negotiations with the creditors, and your payments. Now I finally will have some financial breathing room!

The first conversation let us know we had the right company. Anu made us feel comfortable from the start. She took her time and explained the whole process in detail answering all our questions with courtesy...she is an amazing rep for Americor. She’s been so kind and sympathetic towards our situation. She explained everything in very easy to understand language. While we just signed up last week, we’re still very early in the process but it feels good to see the plan she laid out for us. It's a 42 payment plan so hopefully after that we will be out from under that debt.

I advise anyone that receives a letter of a preaprroved loan from this company to proceed with extreme caution and take it with a grain of salt. If it seems to good to be true it probably is. I received a letter for a preaprroved loan of 11,504.00 with a locked in 5.99% APR. I told myself what a great way to pay my 3 credit cards off with a loan that had an APR much lower than what my creditors were charging. It turns out that letter is a ruse to lure in unsuspecting customers inclouding myself. Yes I did call them. It was a lesson I would not soon forget. I was connected to a fast talking rep. named Sean Soltani. As he was speaking, I found his sales pitch a little suspicious. I told him I received a letter about the loan. He took down personal/financial information that I assumed was part of the preapproval process to secure the loan. Little did I know then that he knew I didn't qualify for the loan before we even spoke. He ran my info and told me he had good and bad news. I didn't qualify for the loan but I did qualify for a secondary option, called a debt consolidation program. He made it seem like the program, he peddled on me, was better than the loan on the letter. He said the first 12 months there were no fees and after 32 months I would be debt free. Also I  could save a considerable amount of money than the loan they offered. He also added that after the program my credit score would zoom up and I could easily apply for new lines of credit. Unfortunately, I took the bait. At the time, it seemed like a great solution to clear my debt, so I signed up with them. The contract alone is 42 pages long which made me a little suspicious also. The rep then told me not to use my three credit cards anymore. That I should wait until my creditors closed my accounts. For some reason that stood in my mind. After signing the contract, I stood up all night worrying about what he told me to do. I went online and did research. I came to the realization that this company preys on desperate financially strapped individuals with little options to resolve their debts. I found the basic premise of this company, for consolidating debt, was through late fees, default and settlements. In other words they destroy your credit to clear the slate clean erasing your debt. Not only did I find that my credit score will not go up with this program, but with defaulting and late fees to settle with my creditors, will eventually stay on my credit history for 7 years and impact future applications for lines of new credit. I knew this program was too good to be true. Immediately the next morning I called the company to cancel. This program, from my standpoint, is a step below filing bankruptcy. I could see someone, whose credit history is already damaged, to sign up with them. They have nothing to loose. But if you have the means to pay your creditors and your credit history is satisfactory this program is not for you. Building up credit is very hard so it is not wise to destroy your credit history to clear off debt. I believe this company deserves no more than one star. I find their way of deceptively luring customers, mailing them a letter for a preaprroved low APR loan, to peddle a secondary option, over the phone, that does more damage to one's credit history than the loan itself. Very sneaky and darn near outrageous. Yes outrageous because what disturbed me the most is how the agent, Sean Soltani, tried to downplay my fears of default and late fees that I pointed out before I signed up. He had to lie and tell me that the settlements were not a default and the late fees will be rectified once my creditors get their money in a settlement. He went on further stretching the lie by inferring once my credit is settled my credit score would zoom up and credit card companies would be lining up to get my business. No time did he ever mention that all this negative activity, of settling the debt, stays on for 7 years in credit history recorded by the three major credit reporting agencies.

Carlos Sanchez apart from being bilingual, he is very professional and has a lot of patience to listen and understand my needs and concerns, a good guy who sincerely deserves the best in the world excellent human being

Each representative that I have talked to has provided great customer service! Their attitude and services have helped me to see the positive during this stressful time. They have been very quick to contact my creditors and make arrangements to settle. Americor has been upfront about costs and what to expect; I didn't feel that they were giving me a sales pitch or trying to deceive me in any way. Great experience overall, thank you!

Currently getting sued by one of our creditors and they failed to help us with any of it. They also are not very good at the very thing they say they do....negotiate. Literally everything they will tell you in the beginning is a lie and then they will gaslight you later by saying they never said what they said. Stay as far away from them as possible

I agree the agents are professional and decent. But that doesn't mean you end up getting ripped off (50% of saved amount) and you pay all ridiculous draft fees and wire fees. I don't suggest going with these guys. These guys show you beautiful numbers when they try to get you in and you end up paying more than what they initially told you. I am not sure why there are lot of positive reviews. If you know decent math, you will know that these guys really ripping off from you. Just FYI to everyone who try to settle their credit cards, Banks charge late payment fee and other fines if you miss payments. These guys will say that you should not make any payment once settlement process is initiated. This will eventually increase your total balance, which means it increases the amount that you pay to americor (which is 50% of what they negotiated). They won't tell you that you balance is eventually gonna endup going almost 20% higher. For example, If your credit card outstanding today is $10000. If you start the process they will say you might get settled for an amount of $7500 including their fees. Assuming your bank says okay for 50% settlement amount which is $5000 + $ 2500(americor fees) What actually happens is this $10000 may become $11000 outstanding. and these guys can get a max of around 52-57% So your settlement will be 6000(approx) + $2500 + their ram fees + wire fees. You will end up paying more than $1100 than actual anticipated amount. So you will eventually end up paying $8600+ for your $10000 amount and having a mark in your credit history that you settled for less amount. I suggest you talk with your bank on day one and take easy EMI and not end up in this mess. This is from my own experience

I recently did some searches for Debt Consolidation, and went to Lending Tree. I filled out some information, and it lead me to Americor. I was connected with a wonderful woman name Judy. She is spectacular! She talked with me for a bit to figure out what I was trying to do for myself. I came onto some hard times, and had to use my credit cards to bail out my family for simple need. Judy helped me secure a wonderful loan, and lower my payments down to one single payment a month for all creditors, and made it super easy to understand. She was understanding, and let me take the time I needed to discuss with my partner, to make sure this was what was right for me. If you are in debt, I recommend going through Americor, they work with you, and from the start you get the sense that you are never alone.

This is my first time using this company AMERICOR and the service was more than excellent, speechless, outstanding.....they were very friendly and helpful. Lou Otero was the representant., I highly recommended him. You got your freedom with all your debts with not interested been charged, that’s is a best way to get out of them. It’s a dream comes true.

What a relief to have the ability to consolidate my credit card debt with no hassle and one low payment. Americor made this happen for me and the process was stress free and took no time to get approved and complete all documents necessary. I'm off to a great start and now will finally have money to save.

The agent Niru Sisodiya, is so helpful and very professional in her dealings with me. I appreciate her. Thank you for having a very nice person in your company. I will definitely recommend your company to others. More power to you!

Precise, compassionate, and patient, while guiding me through the process to achieve financial goals. Roddy was such a great help, and professionally recognized the needs of my situation. He greatly improved my ability to achieve a resolution to current levels of finance and personal needs. I am so grateful to have found Americor.

I'm not leaving any stars. If you have a decent credit rating, this is not for you. Because it will ruin your credit. If your credit rating isn't that great, then this will probably work for you. once I read all the paperwork thoroughly after it was given to me, I decided it was not for me. After that happened, and I wanted to cancel, they're whole demeanor changed.make sure you read everything thoroughly, and really know what you're getting into with this company.