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Debt Resolution

What is Debt Resolution?

A Debt Resolution Program, sometimes called a Debt Negotiation Program, can be an effective strategy for anyone who has experienced a financial hardship such as a divorce, job loss, or a significant reduction of household income or medical debt resulting from a serious accident or illness. If you are currently burdened with a large amount of credit card debt and you are struggling to just make the minimum payments on your credit cards each month, a qualified Debt Resolution Program may be a very good option for you and may even help you avoid filing for bankruptcy.

How a Debt Resolution Program Works

In a qualified Debt Resolution Program, a financial consultant will review your current situation and evaluate your income and expenses. Once your consultant has a clear and detailed picture of your finances, we will help you build a budget that will allow you to save money each month that will be used to negotiate with your creditors to reduce the outstanding balance on your credit card accounts and resolve your debts for less than you currently owe, and on a payment plan you can manage.

Each month, we will contact you to review your current financial situation in order to identify ways we can help you better manage your budget and find ways to help you save. Depending on the amount of debt you enroll in the program, and how fast you are able to save money, many of our clients are able to complete the program in 24-48 months. This is a way to pay off your debts significantly sooner than by just making your the minimum payments each month. And in a qualified Debt Resolution Program, you are never charged a fee until we are able to reduce the amount of debt that you owe.

1

Consultation

2

Develop
a Customized Plan

3

We Negotiate
on Your Behalf

4

Complete Your
New Repayment Plan

Benefits of a Debt Resolution Program:

A Debt Resolution Program offers many benefits to consumers struggling with high credit card debt. First, the program has the potential to significantly reduce the amount of debt you currently owe. Secondly, we will work with you to create a savings plan designed to provide immediate payment relief. Finally, you have the peace of mind knowing that you will only pay a fee when we are able to negotiate an agreement with one of your creditors to reduce the amount of debt you owe on a payment schedule that you can easily manage.

Debt Resolution Benefits:

  • Immediate payment relief.
  • One monthly program payment, usually lower than your current minimum payments combined.
  • Resolve your debts sooner, usually in 24-48 months*.
  • Reduce the amount owed, including interest, penalties and fees*.

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Learn more about your options and the programs we offer below,
or call us today at 800-719-4910 for a FREE Debt Analysis.
  • I am writing you this e-mail to let you know how happy I am with Americor Financial for getting me my first settlement well before my 4 – 6 months, this was fantastic!! The people at Americor Financial are very easy to work with and they go out of their way to help you in any way they can – would for sure recommend them to my friends and famly. I am very much satisfied with all they have done for me. With their help, my future will be fantastic being debt free, can't thank them enough, for all their help.

    Kathleen Arceo, AZ
  • I found myself drowning in credit card debt. After some research and careful consideration, I reached out to Americor Financial for help. Everyone I spoke with was pleasant and helpful. They made it easy to understand and together we came up with a monthly payment plan that was conducive to my financial state. I was very pleased that one of my creditors was settled after one month. I would definitely recommend Americor Financial to my family and friends who find themselves in a similar situation. With much gratitude to Americor Financial my future will NOT include credit card debt, leading me to a better lifestyle. Overall,my experience with Americor Financial has been exceptional.

    Michael Frawley, NY
  • I was very skeptical about participating because of all the scams. I did a lot of research on debt-resolution companies. After talking with the debt counselors and realizing it is for real and that I would get out of debt, we ended up participating. It was a very good experience and would recommend it to anyone if they are having problems.

    Andrew C, NV
  • I wanted to write a quick note to thank you for helping me. You are so kind! This is a big deal to me to trust anyone with my financial situation. I have tried hard to do it myself. You are my hope to get back on my feet again. I know everything can get better! Thanks to you I know it is OK to ask for help.

    Georgina S, CA
  • Thank you for talking to me. Your personality shows over the phone and you made this process really easy to understand and helped me through all my questions. Your technique and approach worked with me and if I have success with this program (as I’m sure I will) I will certainly recommend your name and number to anyone with a similar situation.

    James K, MA
  • Thank you so much for your help... I feel so relieved. I really like the time period in which all these debts will be cleared up instead of paying on these debts forever and not getting anywhere.

    Sherry A, CA
  • I called tentatively to discuss the delicate matter of my debt. The answers I received were direct and to the point but not lacking in sensitivity and wisdom. I was put at ease and motivated to stay through the program. They took care of the dreadful paperwork and I was comfortable with the work ethic and boundaries that were demonstrated

    Susan V, CA
  • Thank you so very much for all of your personal attention and for going above and beyond with my account. In the beginning, I had numerous companies to handle my business. However, YOU went above and beyond with your excellent communication skills. You helped to explain how the program works in clear, concise language that made it easier for me to understand the whole process. You have always demonstrated rapid response and a lot of patience in educating me and answering my questions. What I appreciate most of all is when you were there for me recently and educated me when my creditors began to call. Your personal attention and human touch helped relieve my anxiety and stick to the program.

    Twyla H, TX

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* Under our debt resolution program, we cannot provide a guarantee that that we will be able to resolve all of your debts that you enroll in our program or that we will be able to resolve your debts for a specific amount or within a specific period of time. Resolving your debts by paying less than you currently owe will likely negatively impact your creditworthiness and may subject you to collection actions or lawsuits by your creditors. We are not a credit repair company and we do not provide credit repair services. Under our program, we do not assume the liability for your debts and we do not make monthly payments to your creditors. If you do not make timely payments to your creditors on your enrolled accounts, the outstanding balances of your enrolled debts will likely increase due to the accrual of interest charges, penalties and late fees as outlined in your cardholder agreement, however, the repayment agreements that we may negotiate on your behalf will resolve the entire outstanding balance on that account including any interest, penalties or fees accrued during your program participation. Any amount of debt forgiven by your creditors may be subject to income tax. We do not provide tax, accounting or bankruptcy advice, and you should consult with an accountant or attorney regarding the potential tax consequences of paying less than the full amount owed on your accounts. Not all of our clients will be able to complete our debt resolution program for any number of reasons, including but not limited to their ability to save enough money during the term of their program enrollment. You should carefully read all program materials prior to your enrollment to be sure you fully understand the terms and conditions of our program.