Americor
Overview
Americor provides debt-resolution services for unsecured debt, including credit cards, personal loans, and medical bills. Its website states that some programs may be offered through The Law Firm of Higbee & Associates d/b/a Advantage Law, which is presented as a separate legal-services provider. [1]
Tax Status & Ownership
| Entity type | Nonprofit, 501(c)(3) |
| Legal name | Americor Funding, LLC [1][2] |
| Headquarters | 18200 Von Karman Ave., 6th Floor, Irvine, CA 92612. [1][2] |
Published Fee Schedule
| Structure | flat |
| Percentage range | 14–29% of enrolled debt per the company's own disclosure, charged after settlement. No monthly service fee reported. |
| Directory summary | 14–29% of enrolled debt per the company's own disclosure, charged after settlement. No monthly service fee reported. |
Americor expressly states that its fee percentage is calculated on enrolled debt at the time of program enrollment, not on the amount ultimately settled. The current website gives a 14%-29% range; the older FAQ PDF gives 15%-29%. [1][7]
Coverage
Official source: not available in all states, without publishing a complete list in the reviewed material. CNBC: nearly every state. Finder: unavailable in Colorado, Oregon, and West Virginia. These descriptions are not equivalent and should not be treated as a verified state-by-state coverage list. [1][4][5]
Accreditation & Licensing
BBB lists Americor as accredited and A+ rated. Americor’s website also states that Americor Funding, LLC is BBB accredited. No independent IAPDA or ACDR membership was confirmed in the reviewed sources. [2][6]
Regulatory & Complaint History
| CFPB complaints | |
| BBB complaints closed, 3 yr | |
| Figures as of | September 18, 2026 |
BBB reports 245 complaints in the preceding three-year period on the reviewed profile. BBB complaint counts are not adjudicated findings and are not treated as regulatory violations. [2]
Cited Sources
- Americor official website — Americor (September 14, 2026) — First-party provider website.
- Americor Frequently Asked Questions — Americor (September 14, 2026) — Primary source for Americor's stated services, fee basis, current legal disclosures, and program limitations; marketing claims are not independently verified.
- Americor BBB Business Profile and Complaints — Better Business Bureau (September 14, 2026) — Independent BBB profile identifying Americor Funding, LLC dba Americor Financial, accreditation, rating, address, and complaint count.
- Debt Management Registration Information — Colorado Attorney General (September 14, 2026) — Government registration record identifying the historical/current-at-that-time form Americor Funding Inc. dba Americor Financial and its debt-settlement registration.
- Americor Debt Relief Review 2026 — CNBC Select (September 14, 2026) — Independent consumer-finance publication used only for reported minimum debt and broad availability.
- Americor Review — Finder (September 14, 2026) — Independent review used to document a conflicting minimum debt threshold and state-availability list.
- Americor FAQ PDF — Americor (September 14, 2026) — Older first-party FAQ used to preserve the disclosed 15%-29% fee-range discrepancy.