Debt Relief
Top Companies in 2024
Americor vs InCharge Debt Solutions
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- Free consultation
- No upfront fees
- Will work with $7,500+ in unsecured debts, less than some competitors
- Accredited by AADR and RMAI
- Mobile app available
- A+ BBB rating
- Affordable fees
- Accredited by NFCC and FCAA
- Many financial education resources
- Fees may be higher than other companies
- Does not offer services in all states, including Colorado
- Some services may affect your credit score
- Long program duration
- Limited information on costs
- Limited physical presence outside Florida
- No mobile app
Americor is a national debt relief company offering various solutions for unsecured debt, including debt settlement, consolidation loans (through Credit9), and credit counseling. They were founded in 2009 and headquartered in Irvine, CA. They emphasize personalized plans, a performance-based fee structure (no upfront costs), and transparent communication. With a focus on customer support and education, Americor aims to guide you towards a debt-free future. Before enrolling, however, be aware that debt settlement can impact your credit score, and it's essential to understand all terms and potential risks. Americor offers free consultations to discuss your situation and explore suitable options. Their accreditations with the BBB, AADR, and RMAI, along with their A+ BBB rating, signal a commitment to ethical practices. Customer reviews are generally positive, highlighting their helpful representatives and successful debt reduction outcomes.
Since the founding of InCharge Debt Solutions in 1997, they have become a prominent nonprofit organization in the debt relief industry. Headquartered in Orlando, Florida, they are accredited by the National Foundation for Credit Counseling (NFCC) and the Financial Counseling Association of America (FCAA). They provide a wide range of services, including debt management plans, credit counseling, and debt consolidation. They have assisted millions of clients in managing and reducing over $3 billion in debt, earning a strong reputation as industry experts. Their nationwide availability, coupled with their commitment to affordable and accessible debt relief solutions, sets them apart from competitors. For a detailed look at InCharge Debt Solutions' offerings, achievements, and customer feedback, dive deeper into our full review.
- Credit Score Impact : Program may lower score initially
- Average Net Savings : Up to 50% of debt, before fees
- BBB Rating : A+
- Fees : 14% to 29% of total enrolled debt
- Timeframe : 20-48 months
- Trustpilot Score : 4.9 out of 5
- Customer Experience : Excellent
- Credit Score Impact : Program may lower score temporarily
- Average Net Savings : Undisclosed
- BBB Rating : A+
- Fees : Enrollment fee: $50 to $75, monthly fees: $32
- Timeframe : 36-60 months
- Money-Back Guarantee : False
- Trustpilot Score : 4.8 out of 5
- Customer Experience : Good
- A variety of debt relief solutions
- A large variety of unsecured debts covered
- BBB accredited with A+ rating
- Diverse debt relief options
- No minimum debt requirement
- Excellent debt relief record
- Nationwide availability
- Bankruptcy Counseling
- Consolidation Loans
- Credit Card Debt Relief
- Credit Counseling
- Debt Consolidation
- Debt Counseling
- Debt Management Plans
- Debt Settlement
- Loan Refinancing—Undisclosed
- Bankruptcy Counseling
- Consolidation Loans
- Credit Card Debt Relief
- Credit Counseling
- Debt Consolidation
- Debt Counseling
- Debt Management Plans
- Debt Settlement
- Loan Refinancing
- Collection Accounts
- Credit Card Debt
- Medical Bills
- Personal Loans
- Private Student Loans
- Professional Bills
- Secured Debts
- Collection Accounts
- Credit Card Debt
- Medical Bills
- Personal Loans
- Private Student Loans
- Professional Bills
- Secured Debts
- Cash
- Escrow/Savings Bank Account
- Major Credit Cards—Undisclosed
- Cash
- Escrow/Savings Bank Account
- Major Credit Cards
- In Office
- Live Chat
- Mobile Application
- Phone
- Ticket—Undisclosed
- In Office
- Live Chat
- Mobile Application
- Phone
- Ticket—Undisclosed
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