Americor promises a lot in the sales process and does absolutely NOTHING in resolving debt consolidations. There team will ask you as the customer that is trying to get back on track to do all of the work with the creditors. My recommendation is to never go with Americor to consolidate debts, they will ruin your credit to the point of Sherrif's showing up at your house multiple times to you having to go before a judge to plead your case. NEVER USE AMERICOR, they steal your money and your credit.