Written By Minh Tong
Mar 10, 2023
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A bond is a financial instrument used by governments, corporations, and other organizations to raise capital. 

It represents a debt obligation, meaning that the issuer (borrower) promises to pay the bondholder (lender) a specified amount of interest over a fixed period of time and to return the principal amount at the end of the bond’s term.

Bonds are typically issued with a face value, which is the amount that the bondholder will receive at maturity, and a coupon rate, which is the interest rate that the issuer will pay periodically throughout the life of the bond. 

The coupon rate is typically fixed, but in some cases, it may be variable, based on a benchmark interest rate like the LIBOR.

Bonds are typically sold to investors through a bond market, either directly by the issuer or through intermediaries such as investment banks or brokerages. 

The market value of a bond can fluctuate based on changes in interest rates, inflation, and other economic factors. When interest rates rise, the value of existing bonds decreases, since investors can earn higher returns by buying newly issued bonds with higher coupon rates.

Bonds are considered less risky than stocks, since they offer a fixed income stream and have a defined maturity date. However, they are still subject to credit risk, which is the risk that the issuer may default on its obligations and be unable to make payments to bondholders. 

Bondholders also face reinvestment risk, which is the risk that interest rates will fall, causing the issuer to call the bond early and forcing the investor to reinvest at a lower rate.


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Americor provides debt solutions to thousands individuals and families all over the country. We’re a next-generation debt relief company with a proprietary platform designed to help clients get out of debt quickly. Together we’ll develop a strategy for you to enjoy a debt free lifestyle. Learn more about how Americor can help relieve the burdens of debt today.

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We provide debt resolution services. Our clients who make all monthly program payments save approximately 40 – 50% of their enrolled debt (average of 43%) upon successful program completion, before program fees. Fees are based on a percentage of your enrolled debt at the time of starting the program and range from 15%-25% of your enrolled debt. Programs range from 20-48 months. Clients must save at least 25% of each debt due to an enrolled creditor before a bona fide settlement offer will be made. On average, clients receive their first settlement within 4-7 months of enrollment and approximately every 3-6 months thereafter from when the prior debt was settled. Not all Clients complete the program. Estimates are based on prior results and may not match your results. We cannot guarantee that your debts will be resolved for a specific amount or percentage or within a specific timeframe. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting, legal advice or credit repair services. Our program is not available in all states; fees may vary by state. Some programs may be offered through The Law Firm of Higbee & Associates d/b/a Advantage Law. The use of debt resolution services will likely adversely affect your credit. You may be subject to collections or lawsuits by creditors or collectors. Your outstanding debt may increase from the accrual of fees and interest. Any amount of debt forgiven by your creditors may be subject to income tax. Clients may withdraw from the program at any time without penalty and receive all funds from their dedicated account, other than funds earned by the company or fees paid to third-party service providers, as may be applicable. Read and understand all program materials prior to enrolling. Certain types of debts are not eligible for enrollment. Some creditors are not eligible for enrollment because they do not negotiate with debt relief companies. To determine the offers you may be eligible for, Americor conducts a “soft credit pull.” This credit pull does not impact your credit score, creditworthiness, or ability to obtain credit from other sources. The soft pull is not a tradeline entry, it does not report against your score and will only take a few minutes.

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