consultant

customer service representative

sales representative

data entry clerk

administrator

Americor

The people that are talking down on this company are just salty and couldn't perform their job. This job is extremely simple. It is not a scam... We go over ALL risks and benefits of the program before the client is enrolled and once we give them all that information, it's up to them to stay with the company or withdraw and we do not charge cancellation fees or threaten clients to stay with us like many have said. This is the best call center job I've had and I plan on moving up here. I originally worked for a vendor and was moved to the main office at $15 an hour which in Boise, Idaho that is great compensation. The managers are understanding and give great constructive criticism. They give agents that are performing well leadership opportunities and let them floor walk and help other agents which is cool because it encourages others to do well so they can have that opportunity to be off the phones helping agents. I have not seen another company that is this good at giving agents leadership opportunities as they arise.  I love my manager, she is kind and gentle. All managers are equally as great. They are fun and try really hard to understand where the agents are coming from as this can be a stressful position sometimes. It is true that clients call in upset due to summons or legal collections etc... But like I said previously, we let the client know ALL risks. I see many accounts be completed successfully. Getting out of debt in anyway is a struggle and there is risks with working with a debt settlement program but the savings is worth it. Most creditors settle around 50% and yes we have a 25% fee that is based off the original balance of an enrolled debt and that is something we inform the client in the beginning of the program. Even with the fee, the client is saving 25% or more because a lot of creditors will settle for under 50%. Sometimes, a creditor may settle for 75% and with our 25% fee it does come to 100% of the original balance BUT that is rare and even in that case, the client still ends up saving money overall because we can get better settlements with the rest of their clients, we may get a 25% settlement and it will even out the difference from the other creditor. Either way, the client WILL save a significant amount by being in our program. I don't feel like i'm lying or tricking anyone because my co-workers and I are very thorough and make sure to inform the client of every little detail about the program. There are many benefits that come along with enrolling in the program. Debt settlement can be a very stressful route to take to get out of debt but the benefit is not having to pay the full amount of debt back, and instead of doing it on your own and taking all that time and effort, clients hire us to do it for them. If we didn't have a fee, how would we make money? There are always at least 2 agents assigned to each client and there is a department for things such as summons and negotiations. There is a whole team working on each account and it takes time and a lot of work to get the debt all taken care of and it can be overwhelming to do it on your own so that is what we are here for. Any client that is unhappy did not understand the program and did not listen to the risks or the program was not right for what they were wanting to do and they just did not listen well and enrolled anyway which Americor is not at fault for. Even if the client was deceived by a sales rep, we have a compliance team that goes over the fine print of the program. We do a compliance call to give ALL the information and get verbal recorded responses that the client fully understands, we also have them read all the statements and check "i agree" on each statement when enrolling in the client portal, then we also do a follow up call where we go over all the information AGAIN. Then we do a 30 day check up to make sure they still understand. So, if a client is still unhappy and confused after that, that is on them or they did not answer the calls and blew us off without understanding what their money is going to. This company cares about their employees... They are a newer company and are working on getting better benefits for their employees and I have full confidence that within this year they will have a new benefit package that will better tend to the employees budget and needs. They offer overtime and you can even take a 30 minute lunch instead of the hour they allow and get 30 minutes of overtime a day. Anyone complaining about this company is just a miserable and unhappy person that does not appreciate what they have. I have been with this company for 9 months now and I love it more and more everyday. The people are great and keep me laughing all day. The environment is safe and great. They require you wear business casual which keeps the employees looking professional which is nice because it doesn't look like a bunch of lazy bums work here. We all look nice and tidy. It's a great company, highly suggest applying.

To start off I got hired with Americor Financial for the Boise, Idaho location. You read from a "script" to inform clients of how to be successful in the program, You are hired on at $14.00 and hour for tier 1 calls. Then will be promise to promote to tier 2 with a $.50 raise and tier 3 with another $.50 raise.  

They have no "Stats" or ways to keep the team members accountable so you have reps who are averaging 30-40 calls a day and others that a double/triple that in a day. I have been with the company and have yet to do a "Get to know you" with my manager or even discuss what I want to do long term with this "Growing" company. I was promised AMAZING growth opportunities during my interview with the company however am finding that the company is falling flat with those promises.

A new building is going to be able to house 500 Americor Employees so yes they are growing however they are not promoting within like they say they will. 

The company has managers that are not approachable at all for questions and will tell you to ask floor support however will not have floor walkers randomly throughout the week to help answer said questions. So at that point you have no one to get answers from unless the person next to you isnt on a call and happens to know the answer. 


They have no "Chat" system or system at all to get questions answered they just pull 1-2 reps off calls that day to walk around however half the time they are talking with their friend for 10 minutes while you stand with your hand raised waiting for questions to be answered. 

The company environment for the Client services is toxic and filled with childish behavior and constant rumors daily. The overall "Culture" they talk of is a joke.

 We have ONE manager who has attempted to turn the company around and started team meetings, one on ones, coaching reps, and attempted to hold reps accountable with handle times and making sure they are staying productive but due to the other 3 managers not doing the same the manager is making little to no progress.

They are offering "Promotions" or projects within the company for qualified reps but are refusing to provide proper pay for the position being offered. AKA staying at the same hourly rate but doing twice the work.

They have two Tier Two reps that are handling ALL of the clients follow up information, scheduling for both the California office and Boise office reps. They created their OWN tracker for the company to help keep track of the needed information and are doing massive amounts of work for $14.50hr and are to "Valuable" to be moved yet arent being offered the pay they deserve for putting in hours of hard work. 

Overall if you want to do the bare minimum of work, get paid little to nothing hourly and pay over $250+ a month in insurance with NO 401k, Terrible PTO, and a lack of development this is the place for you.


Overall I would not reccomend this company to anyone. You will be surrounded my drama, lazy people and false promises every day your at work.

I started at Americor a year and a half ago as a Client Advocate. I came into the industry with several years of financial services and management experience. I worked for Toyota, BMW and owned an Allstate Insurance Agency through my working career and I can tell you that Americor has provided me with more ground training and continuous education than I received from any of these other huge companies. Americor’s culture is amazing from the team support, management support, ongoing corporate training, free coffee, drinks, catered lunches, motivational quotes in the office, top producer dinners, awards and cruises on the owners yacht. I’ve been on a few of these top producer events and the recognition is amazing. The owner is hands on and that says a lot about the future growth and success of the company. The best part is we are not micromanaged. We work independently and all of our production is evaluated through KPI’s. If your numbers are off you can make a quick adjustment. We never closed during Covid-19 and the switch to remote work was seamless. We’ve continued to grow and we’re always hiring new people. When I started with the company there was approximately 300 people, now there’s over 500. I’ve grown into a role as Sr Client Advocate and work directly with my team manager towards advancement with the company. If you have little to no experience but are confident, have good communication skills, are tech savvy, have desire, a strong work ethic, and are teachable you can do very well in the company. The best part about working at Americor besides the people and overall culture is the gratification you get from truly helping individuals and families with their financial freedom. We actually get to help people regain financial control, rebuild their once good credit and offer financial services to them that they won’t find anywhere in the country. We actually get to do that each day are are paid very handsomely for it. You do have to put in the hours though. With all of these amazing work benefits come disciplined work, many hours of phone time and a willingness to make difference in your life and the person on the other end of the phone. This not a 9-5 job with weekends off. If you want to be successful you need to put in 10 hour days and a half day on the weekends. Americor is also ranked #24 on the fastest growing company in America by Inc. 5000 and for the 3rd straight year voted Top OC Workplace by The Orange County Register! 

Great friendly management, training, and benefits. Also, they seem to be fair for the most part. Some cons are they 90 day period of no missing work is too long especially in my situation where a relative passed away. The line of work can be depressing because Americor deals with debt resolution and some of the people enrolled sometimes don’t know what they are getting into especially after explaining to them multiple times. I’ve seen a lot of times where this program costs more than to use this service than just paying off the actual debt. Also, they track your time to the very minute for your breaks and logging into the phones. Also, they say they don’t allow all the people to enroll in this program if it doesn’t make sense, but I feel like they push it on everyone because the sales team are based on commission, and more you sell the bigger your check is going to be. Finally, another issue is that I don’t believe in this program (the way it works). The way they operate is they tell clients to stop paying their debts to creditors enrolled in program and use that money to put into a trust account. Once they have 25% of the balance of one of their creditors then they will contact said creditor and start negotiating. They also, say that they will negotiate at about 50% of the total debt, but that doesn’t always happen. It could take months before they finally finish negotiations because they only negotiate depending how much is in the trust account. During that time, the creditors can move your account into legal collections and they won’t negotiate favorably. Even after settling will legal collectors at a high percentage (usually 70%-110% of debt owed to that one account), Americor still takes their 25% fee (that percentage is based on the original debt owed to creditors). So you could pay more on your debts then you owe. This can apply to other competitors too in this field. The people, benefits, and what they say are good, but line of work is not pretty. 

This company has been in business for a long time and I’m not quite sure how after my time spent as an “intake specialist”. I answer so many phone calls from clients who otherwise got enrolled in to the debt consolidation and then could never get passed customer service to talk to the enrollment specialist about their debts there after. You sit and chase the people working on these poor clients files just to promise them a call back that they normally hardly ever get back. Half the time the file has been reassigned to someone else and you have to chase down every person who has been in contact with the client to figure out who, if anyone, is in charge of their file currently. Management is constantly changing policies and procedures, at one point I was told “just get the transfer” meaning they wanted QUANTITY over quality. Someone was giving out the Americor number for student loan forgiveness. Management told us to lie to customers about offering said forgiveness(which they do not) and had us transfer callers anyways. DNC calls are put back in rotation and the amount of calls per day to the same client is kind of appalling. I personally called the same client more than once ina day and we have an auto dialer. I would just hang up if I saw repeat numbers and names. The company and product offered is a joke. They will work you to scam people who just need help getting out of debt. Management and HR are not on the same page and nothing in the office runs smoothly with the constant turn over in employees and management. Communication between management, HR and staff is a joke and they just kind of respond when they feel like. I’m still waiting for a response from 2 weeks ago from my lovely HR team. Yes. It’s easy brainless money. If you enjoy working 10-12 hour shifts 7 days a week for min wage and a little bit of commission. $5  each sale for the several thousand dollars they collect off these clients. Don’t waste your time here. 

A typical day started a 7am with emails, zoom meetings and calls. Most of the day was spent on the phone or negotiating through email with banks, law firms, and collection agencies, followed by clocking out at around 4pm unless you wanted to work OT. 

During my time here, I learned valuable skills in debt management and settlement, how to de-escalate upset clients, how the legal process works when someone is sued, and how to read and differentiate legal documents. I also learned how to locate hard-to-reach third-party agencies and build rapport as well as negotiation strategies that resulted in strong settlements.

The hardest part of the job was maintaining a professional relationship with management when I disagreed with their approach. Management was often micromanaging, unsupportive, and focused more on numbers and records than on clients or employees. The workspace culture was fairly quiet, with coworkers keeping to themselves, and over time the supportive team environment faded.

The most enjoyable part was securing excellent settlements -especially when clients were so relieved and grateful for my work. Helping people resolve their debt and doing it well was the most rewarding aspect of the role.

Americor was a wonderful company, they have a product completely original within the industry and are truly committed to assisting clients getting out of debt. I was a sales rep for almost a year and it truly was a wonderful company, the hours are long but that is typical of any sales job. The more effort you put, the higher your check. It is a cut throat industry, so be prepared to put in effort to exceed your quota or you won't make it. You truly have the ability to write your own check, its about how much you want to make.
    
    Management was very good, always striving to make you become successful and assist you in any way throughout the process. Out of any company I have ever worked for, Americor has the best training classes. Unlike companies that force you to watch a computer screen for several hours, Americor has a very hands on approach to teaching. They don't throw you to the wolves, they will hold your hand throughout the process while you learn the job duties. This goes hand in hand with company culture, everyone is helpful and  gets along. 
    
   The negative aspect would probably be the favortism that is felt among some reps versus others. It always seemed like the same people were winning the top production dinners and other incentives offered. My advice to management would be to create incentives that could be attainable by everyone, make more categories for rewards. Top Talk time? Top rep with positive reviews from clients? Put a limit as to how many months in a row a person can be top producer and give others a chance... I put in many hours with high production numbers and it would have been nice to have been recognized with a production dinner, though I was not the TOP producer.

It's a constant grind and hard work no matter what department you work in.  
Management only hires and promotes their friends and family - the people who have the worst attendance and do the least amount of work get promoted - and then they have great time cracking the whip over those who actually do the work.
The cherry on top was being included in a huge group lay-off right before the holidays - they said it was  "a difficult decision" "We really hate budget cut backs".  Someone should've told the Engagement Team there was a budget cut back.  
They sent out goody packages with a bunch of cheesy treats and junk in it to everyone 2 weeks earlier with t-shirts that said we were part of a team that achieved the $100 Million Goal. They probably wasted enough money on those stupid boxes to cover the pay for some of the people wit families for a couple of lousy months longer. Absolutely shameful.
I guess that $100 Million just wasn't enough to last through the holidays and still be able to afford the open bar for three company Christmas parties in 3 different states. I guess it's okay that single parents with kids don't get to have Christmas.  I'm just so grateful for the opportunity to help Americor make their $100 Million Dollar goal! It was awesome being grinded and treated like I needed to work harder and harder to meet the company goal ad it's really going to make a big difference in my future at Americor. Well you made your goal!
Happy Holidays!!! Cheers!

This company has amazing potential. 

They are honest and transparent with the clients from sign up to when they conclude the program.
They are an incredibly ethical company that specializes in helping people who are in a tough spot in life and looking for a way out. 

The culture of Americor represents what many of us seek. An industry that helps people and gives back to others, while also allowing a fun safe environment to learn and grow in. A place that accepts people for who they are and allows them to shine using their skillset.

The in office environment is fun and engaging. People here tend to be quite cheery and happy to be there. Everyone is so friendly.

It offers room for advancement/promotions as well as flexibility. They may be a business but they have a very "human" element to them that makes it personable and a place worth coming to. 
  It is so fulfilling to know that the work you are doing matters and on a daily, we are helping people take back control of their life. 

The management is excellent. From the executives to the supervisors, we have strong leadership who love to interact with employees of all levels and different walks of life. They treat you like a human and not a number.

Everyone is very helpful and there is plenty of resources to help you be successful in whatever role you work! 

Americor is a place that opened my eyes, heart and motivation to do my very best every single day. There’s no limits here. I’ve never worked on a sales floor where not once did I ever catch a sideways stare or negative energies for thriving and being a producer, until I came here. Everyone here wants to help and push one another to the best they can be. No haters, no negative vibes, only advocates for advocates. Each one teaches one. The hiring managers are spectacular about filtering out whom isn’t a good fit for this beautiful and healthy atmosphere of positivity and good old American Hard Work.  You know the feeling when you’re at a place where someone is literally doing their absolute best to take of you. That’s the feeling I’ve gotten here. I have a home here. I’ve created a beautiful and fruitful life for my loved ones here.  
There is NEVER a shortage of opportunities to get into another training for professional development on our skill. And based on my experience, there couldn’t possibly be a more compliant sales floor in the industry. This place is so honest, healthy, happy, supportive, thriving and unstoppable that I’m soooooo glad i have been blessed enough to find myself here calling Americor my home. 
If you’re willing to work hard and earn your keep, treat others as you’d like to be treated and follow some simple rules, this is the place to be. 

Top Job Titles	Average Salary
Consultant 10 salaries reported	$71,600 per year
Customer service representative 9 salaries reported	$17.94 per hour
Sales representative 11 salaries reported	$123,182 per year
Data entry clerk 1 salary reported	$22.11 per hour
Administrator 5 salaries reported	$18.20 per hour

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