Americor, Irvine CA

Finally, a professional service that truly cares about assisting working people in understanding and navigating the world of endless corporate debt. Their advice and knowledge is worth every effort.

I loved the knowledge and care given by your representative. I loved the online tutorials. I loved how everything was in detail and easy to follow.

They were very thoughtful and helpful as well as patient with my elderly mother and her financial problems. I do highly recommend them for helpful assistance.

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.

My representative was very helpful and friendly and I am looking forward to seeing how all of this works out for my debt resolution.

It is so sad how this company prey on vulnerable customers. All these reviews that are 5 stars are mostly, before they provide services. I had reviewed them when they signed me up and gave them 5 stars. One Anu signed me up and I asked her specific questions regarding negative impact on my account in future. She told me, my account will never get to collection. WRONG. My account eventually went to collection, then charge off remains on my report after settled everything. Will take SEVEN YEARS TO GO OFF. The amount of money i paid eventually could have been used to pay creditors and I will still have a clean report. I recently called one of the banks, which they settled with to see if i could pay for deletion, and they quoted me some very high outstanding amount. Meanwhile, the total amount of money i paid off to americor is so huge. Apparently they settle account for so small, and the rest of profit goes to them. For example if you owe 31000 usd, and they settle off, over 20,000 USD goes to them. I am so disgusted. There is no difference between collection and charge off as far as credit worthiness is concerned.
I am warning those who are yet to be victims.it is the worst mistakes I have ever made.
Do not pay attention to these 5 star ratings. I gave them 5 stars initially, when they signed me on. I am done with them now, and I regret every bit.
BE WARNED OF THIS UNSCRUPULOUS ORGANIZATION. I am now building my credit, and will take several years to get anything.

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.

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!

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.

Rich answered all of my questions even though I had way too many. Rich was patient with me as I read through the entire contract and never once hinted at being frustrated with me even though if roles would have been reversed, I would have most likely been frustrated!

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.

Mr. Martin was very helpful. He walked me through every step and made me feel that I was in reliable hands. Great service.

And Metha was unbelievably pleasant, responsive and professional. The presentation was exceptionally clear, graphically attractive and left nothing unanswered.wow!

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?

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

Jeremy was very knowledgeable and helpful he answered all the questions that I had for him and he was responsive when I needed to get a hold of him

I appreciate the respond, Mr. Farbod was very tenure and helpful to explain how this would work for me with consolidating all my debt and in a 12month be able to finish paying the rest of my debts, Thank you Farbod

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!

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.

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.