Beyond Finance is a debt consolidation company with a simple mission: to help people save money, gain control of their finances, and borrow responsibly. As the consumer debt market continually grows, Beyond Finance works around the clock to create both practical and fair debt management services that are customized to its customer's needs.

Beyond Finance also aims to go above and beyond in customer service, and clients have access to the company's consultants — who are there to guide clients through every step of the process and provide personal support and solutions.

The company has offices in Chicago, Houston, and San Diego and was founded in 2016.

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The Good

Simple Process
Accreditations
Services

Simple Process

Beyond Finance has a simple, three-step process to help clients settle their debts. First, the company analyzes your existing debt to ensure the company will be able to help you. If it can, the Beyond Finance team will work with you to develop a debt relief solution that fits your unique needs.

Then, Beyond Finance will work on your behalf to settle your debts and save you as much money as possible. These results are not always guaranteed, however, and it is important to realize that if you agree to work with a debt settlement company, you do so at your own risk and may end up paying money in without getting the results you want.

The final step in the process is to eventually move beyond your debt (hence the company name.) As you start making a single monthly payment into your Beyond Finance account, the company will help you diminish or refinance your debt in less time than you might be able to do on your own.

Again, remember that this process is different for every client, and while debt relief companies have helped many clients reduce their debt over time, this isn’t always the case and results are not guaranteed.

Accreditations

Beyond Finance is an accredited member of the American Fair Credit Council (AFCC), which is one of the primary organizations with which a debt relief company can become accredited. The AFCC sets industry standards and regulates ethical business practices among debt relief companies, so it’s great when a company is a member and is thus accountable to those standards.

We don’t find any evidence that Beyond Finance is accredited with other organizations, but the AFCC is a great start.

Services

Beyond Finance is a debt consolidation company. This means that when you choose to work with the company, you start making a monthly payment into a special account that you create solely for the purpose of paying off debts.

After you have accrued enough money (generally four to six months into the process), Beyond Finance will start using the money in your account as leverage to negotiate settlements with your creditors.

If you are not current on your monthly payments, the debt settlement process might be delayed, because if you don't have enough money in your account with which Beyond Finance can negotiate, it will have to wait until you do.

The company also advises you to send any and all collection calls its way. If you receive a collection call, you can tell the person on the phone that you are working with Beyond Finance toward debt settlement, and he or she can contact the company directly with any questions.

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The Bad

Cost Not Published
Minimum Debt Requirement Not Published
Negative Reviews

Cost Not Published

We can’t find any information about Beyond Finance’s pricing or cost of services. Some debt relief companies are very transparent with this information, while others require you to schedule a consultation before you can get an idea of what you might be paying into the debt settlement program and what fees will apply.

Typically, you can expect to pay anywhere between 15 to 25 percent of your debt in fees to the debt relief company you choose to work with. If during your consultation with Beyond Finance, you realize that you will be paying more than this, you may want to consider other options.

Minimum Debt Requirement Not Published

We also cannot find any information regarding a minimum debt requirement for Beyond Finance. This either means the company does not have one, or that this information is just not available online.

During your initial conversation with the company, you will discuss the existing debt you have and the company will determine whether or not you qualify for its services. However, without a published minimum debt requirement, you will not know in advance if you have enough debt to work with Beyond Finance or not.

Negative Reviews

While Beyond Finance doesn’t have very many reviews on Best Company (only eight as of August 2021), most of these reviews are negative. This isn’t a good sign, as many of the reviewers say they would not recommend the company or its services and that they didn’t have great experiences with Beyond Finance.

Unsatisfied customers talk about the company’s terrible communication and poor customer service. Perhaps these things have changed since the reviewers left their comments, but some comments are fairly recent.

One happy customer, however, did speak to the company’s success in helping reduce his debt from $80,000 down to $30,000. This is a big win and hopefully, the company will start to see more reviews like this moving forward.

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The Bottom Line

Due to the negative customer reviews and general lack of reviews, we have a hard time fully recommending Beyond Finance’s debt relief services to you.

While reviews aren’t the only determining factor in whether a company is ethical and professional or not, they do help potential clients know what they are getting into and help companies maintain a positive reputation. Thus, before we would feel confident telling you to use Beyond Finance, we would like to see more company reviews and the company's response to those reviews.

Beyond Finance is an accredited member of the AFCC, which is something we always like to see in a company. It would be worth scheduling a consultation with Beyond Finance and seeing if you like what you hear.

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User Reviews

Star Rating

3.5

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75 Reviews

Review Breakdown

5 grade

57%

4 grade

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1 grade

35%

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Chris Marbella, MA

While paying minimum balance, my credit rating went down subtantially and upon a costly divorce involving real estate division, I needed to recover financially avoiding tapping into my 401(k) as in a high tax bracket. Shopping around for loans, I was directed to Beyond Finance and did not hear before about that Debt Resolution program. I used it for 3 credits over a period of 3 years, graduated last month and joined again for two remaining credit card accounts as I was quite pleased with the program. One's situation needs to warrant that form of help, yet I don't have any regrets and where my FICO rating went from 845 to about 550 during that phase, it could recover within a few months once the original creditors are paid. I had very helpful and patient representatives and I feel that Beyond Finance can be a lifesaver if one can qualify.

4 years ago

Reply from Beyond Finance

Hi Chris,

Thanks for the positive feedback, and congratulations on moving beyond debt! Our goal is to get our clients back on track financially, and we’re so glad to hear our program is helping you accomplish that!

Thanks again,

Client Success Team at Beyond Finance

Mar. 4th, 2022

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Christine Hrinda Staten Island, NY

I came across this company on Google when I was inquiring about credit card consolidation & saw how reputable they were & BBB accredited, so I called & ended up starting the program. Very pleased with the customer service I received during the call & would highly recommend their service. Rep was very helpful, knowledgeable, & understanding. I feel better already knowing I'm on the path to fixing my credit & getting rid of debt that's been weighing me down.

4 years ago

Reply from Beyond Finance

Hi Christine,

We’re so happy that you chose to enroll in the program, and we can’t wait to help you move beyond debt.

We’re committed to keeping you up-to-date with your progress throughout your debt relief journey! You can track your progress by viewing your program online [https://www.beyondfinance.com/], and contact us with any questions at clientsuccess@beyondfinance.com or 800-282-7186.

- Client Success Team at Beyond Finance

Apr. 20th, 2022

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Cathryn Griggs Paris, TN

I was hesitant to consolidate my debt, but after a quick internet search, I found this company. I worked with Terry H and he helped answer all of the questions one might have when they’re new to debt consolidation. I haven’t felt such a sigh of relief in years and I look forward to celebrating the next 4 years with all of the money I am going to be saving because of this company. I am grateful for this company for giving me my quality of life back and to not feel as hassled with credit card debt anymore. Cut the plastic and pay it off! This company will help you achieve those goals!

4 years ago

Reply from Beyond Finance

Welcome to the program, Cathryn!

Thanks for taking the time to review us! We know that being burdened by debt can be stressful, but we’re excited to help you take your first steps towards a brighter financial future!

We’re committed to keeping you informed as progress is made in your debt resolution journey: you can always track your debt resolution progress by viewing your program online [http://portal.beyondfinance.com] or contact us with questions at clientsuccess@beyondfinance.com or 800-282-7186.

- Client Success Team at Beyond Finance

Apr. 13th, 2022

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Justin Garcia Albany, NY

I have a hard time understanding all the negative reviews. I enrolled 3 types of debt a when I started in the program last month and agreed on a twice a month deposit into my escrow account. I make my first deposit and BOOM, I get a settlement offer from my first enrolled account; 14,000 down to 6,000. People are complaining that there are fees. Yes, this is a buisness and given they're representing you with your creditors and saving you tons of money, it's worth it. I encourage more people to give beyond finance a chance.

4 years ago

Reply from Beyond Finance

Hi Justin,

Thank you for sharing your experience! We're so glad to hear that our program is working for you and helping you resolve your debt!

Your first resolution is an important financial landmark to reach, and we’re excited to be helping you along on your debt relief journey. Thank you for choosing Beyond Finance!

- Client Success Team at Beyond Finance

Feb. 18th, 2022

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Sue Owens Jacksonville, FL

The first contact exceeded all expectations in terms of knowledge of program, interpersonal skills, direction and assistance in completing the documents. She made the experience enjoyable and satisfying. She was a total pleasure and reassuring. Very professional. The second contact was knowledgeable and helpful. Kudos to the entire process of the implementation of the valuable program.

4 years ago

Reply from Beyond Finance

Hi Sue,

Thanks for leaving us such a great review! We’re happy to hear that our client service has exceeded your expectations so far and that our representatives have been able to support you through your program onboarding and answer all of your questions.

We encourage you to keep reaching out to us whenever you have questions about your program at clientsuccess@beyondfinance.com or 800-282-7186!

- Client Success Team at Beyond Finance

Feb. 18th, 2022

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Judy Flowers Aspen, CO

I wasn’t sure about the call but the spokesperson assured me all was above board. She is very knowledgeable and walked me through the process When I realized how far in debt and the interest I was paying month I felt ashamed that I let it go that far. I feel like I can actually get out of debt instead of ingnoring my debt. I have hope for the future. Thank you.

4 years ago

Reply from Beyond Finance

Welcome to the program, Judy! We know that being burdened by debt can be stressful, but we’re excited to help you take your first steps towards a brighter financial future.

We’re committed to keeping you informed as progress is made in your debt resolution journey: you can always track your debt resolution progress by viewing your program online or contact us with questions at clientsuccess@beyondfinance.com or 800-282-7186.

- Client Success Team at Beyond Finance

Feb. 9th, 2022

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Chewie B Chattanooga, TN

I only started my journey with Beyond Finance a couple of days ago, but I have to say, it has been an extremely pleasant experience so far! They have been able to answer all of my questions and we're incredibly helpful with helping me figure out what I need to do to get my debts settled. The pandemic has hit many of us really hard, and it is nice to see companies helping the average person get out of debt caused by life's issues.

4 years ago

Reply from Beyond Finance

Thanks for leaving us a review so early in your program, Chewie!

We are happy that you chose to enroll, and we are glad to hear that our team has answered all of your questions and helped you get your program set up.

We’re committed to keeping you up-to-date with your progress throughout your debt relief journey! We encourage you to track your progress by viewing your program online and contact us with any questions at clientsuccess@beyondfinance.com or 800-282-7186.

- Client Success Team at Beyond Finance

Jan. 20th, 2022

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Jeffery Day Saraland, AL

WAS ABOUT TO ENTER BANKRUPT PROTECTION . HAD MET DISCUSS MY PROBLEMS. .THINKING ITWAS MY BEST CHOICE STILL WAS RESEARCHING WHAT LAWYER HAD SAID WHEN SAW THREE WORDS "THERES BETTER SOLUTIONS". THOSE WORDS CHANGE MY DIRECTION IN WAYS I DIDNT SEE. NOW IM ON A PATH OF SOLVING A COMPLEX FINANCAL PROBLEM AM IN. BEST OF ALL WONT HAVE CHARTER 13 TIED TO MY NAME AN WALLET FOR LIFE.

4 years ago

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Rj Phillips

I really dislike when companies ask for reviews before they've done anything but here goes customer service seems to know what they're doing and after reading the reviews I changed part of my contract and they didn't give me a problem so I give them kudos for that... It didn't change my payment at all so I'm only saving maybe $25 so far but if they can get my debt cut in half this journey will be worth it only time will tell I make my first payment next month and honestly I'm terrified that it will bite me in the butt but I'm glad that Beyond finances at least giving me a chance to try to rectify my bills. I'm only 36k in debt and on a very limited income I was hoping to get help with my entire debt but companies are only interested in credit cards for overcharging interest anyways. I'll update this later when I've had more time with this company and see what they actually accomplish fingers crossed

4 years ago

Reply from Beyond Finance

Hi RJ,

Thank you for sharing your initial impressions of our program so early in your debt relief journey. We are glad to hear that so far, your experience with our team has met your expectations and you've been able to make desired changes to your program.

Our program is designed to have our clients as much time and money as possible as we help them resolve their debts. We look forward to helping you move beyond debt and are always available to provide support during your program at clientsuccess@beyondfinance.com and 800-282-7186.

Thank you,

Client Success Team at Beyond Finance

Apr. 13th, 2022

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Dwain Edwards Anderson, IN

So far I'm a mixed bag, first a few things to note about the positive and negative reviews. Debt settlement is a mixed bag, and I seriously suggest doing your research before taking this route, it's possible they settle your debt, it's also possible the creditor just sues you to get the money you owe. This method is a risk, but it should only be used as a last resort to try to avoid bankruptcy. I'm here because I had to take out a couple loans, one from upstart and one from rise credit, totally to about 5500 dollars so far made a payment of about 70 bucks and was debating on canceling but the manager and the associates are super nice and to a extent they are right about a couple things, so I am taking the risk, and I hope this works. If your not wanting to go bankrupt but seriously in financial issues, it may be a good option, but otherwise I'd seriously suggest being careful with your money tightening up if possible and working to fix your situation before reaching to these people. So far I've been getting calls from rise. Upstart isn't until later in the month, but rise is the big issue. I hope the settlement comes quick cus I really don't want to deal with any of this. But honestly so far with the company y itself things are okay, communication has been clear, but based on reviews I'm keeping track of every payment and the totalled amount and keeping records. I would suggest everyone using it do the same, not because I seriously think they are stealing money, but necause I just want to be safe. I'll update my review after some time, but I just right now don't want to be like this company is amazing too early, or say it's awful when I also never gave it a chance.

4 years ago

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Linda Morgan Leesburg, FL

I'm very happy with your program and Rodrigo explained everything in detail in order for me to understand it better and i really this because it helps me so much I didn't know there was a program that actually helps you get out of debt because there are a lot of scammers out there you guys are totally awesome

4 years ago

Reply from Beyond Finance

Hi Linda,

Thanks for the great feedback, and congratulations on moving beyond debt! We’re so glad to hear that our program is working for you so far.

As always, you’re welcome to contact us with questions at clientsuccess@beyondfinance.com or 800-282-7186.

Thanks,

- Client Success Team at Beyond Finance

Feb. 18th, 2022

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Threase Coleman Austin, TX

When I first called I was very optimistic they would help me to relieve the stress on me by my action, as Jason listened to me with my problem, he did help me to console myself. He was very attentive to me, he explain all the steps I needed to know and made sure I understood. I will forever appreciate him, thank you Jason

4 years ago

Reply from Beyond Finance

Thank you for your great feedback, Threase! We want all of our clients to feel comfortable on their debt relief journeys and we’re glad that our representative was able to walk you through our process and prepare you to begin your debt relief journey. Thanks for choosing Beyond Finance!

- Client Success Team at Beyond Finance

Feb. 18th, 2022

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Grammy D 082021 Nashville, TN

Everyone has been so knowledgeable, patient and just an overall positive experience. This is something I’ve always been skeptical 🤨 about doing. An the staff with Beyond Finance made me feel comfortable about my decision.

4 years ago

Reply from Beyond Finance

Thanks for sharing your feedback with us! We want all of our clients to have a great experience with our program, and we are glad that our team was able to help you take your first steps toward a brighter financial future!

As always, you’re welcome to contact us with questions at clientsuccess@beyondfinance.com or 800-282-7186.

- Client Success Team at Beyond Finance

Feb. 9th, 2022

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Emlee Nevada, MO

Terry H was excellent to deal with. He made me feel comfortable and made the process smooth. I am excited for my future to be debt free and feel like a weight has been lifted off my shoulders so I can live more in my means. Terry was a sweetheart I am happy to know I can reach out to him when I need to.

4 years ago

Reply from Beyond Finance

Hi Emlee,

Thanks for the wonderful review! We are so happy that you chose to enroll in the program, and we're glad that our representative Terry was able to get your program off to a good start.

We can't wait to help you move beyond debt. In the meantime, you are always welcome to contact us with questions at clientsuccess@beyondfinance.com or 800-282-7186.

- Client Success Team at Beyond Finance

Jan. 18th, 2022

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Kathryn Swim Riverside, CA

Just starting the program but it has excellent ratings from the BBB and looks like a lot of happy customers from many review sites. I know not everyone is helped, but William A was who got me started and he was great. I’ll report back to give an update after I see progress or not.

4 years ago

Reply from Beyond Finance

Welcome to the program, Kathryn!

Thanks for taking the time to share your experience so early in your program! We know that being burdened by debt can be stressful, but we’re glad that you're giving our program a chance and we're excited to help you move towards a brighter financial future.

We’re committed to keeping you informed as progress is made in your debt resolution journey. You can always track your debt resolution progress by viewing your program online or contact us with questions at clientsuccess@beyondfinance.com or 800-282-7186.

- Client Success Team at Beyond Finance

Jan. 18th, 2022

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Anthony Saugus, MA

I don’t know why there are negative comments as Beyond has significantly reduced my debt, helped us close accounts and pay off many accounts. Yes, you have to pay monthly to reduce your debt, but it’s worth it. From owing over 80k, it’s now down around 30k.

5 years ago

Reply from Beyond Finance

Hello Anthony,

Thanks for the great feedback, and congratulations on moving beyond debt! We’re so glad to hear that our program worked for you.

Thanks,

Client Success Team at Beyond Finance

Jan. 21st, 2022

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swtcanchaser Conway, AR

While Beyond Finance was easy to work with initially my husband was served court documents where a creditor filed in court. We paid extra for legal and they never responded to the court filing , and we never received a court date so the creditor received a default judgment. After two years of on time payments we qualified for a consolidated loan to pay everything off, which we did leaving $2200 in our account with Beyond Finance. It has now been almost 2 months and they will not give me my remaining funds, even though everything has been settled. I have been calling 1-3 times a week since February 23rd and they keep giving me excuses as to why their graduation department will not graduate me from the program.

4 years ago

Reply from Beyond Finance

Hi there,

We greatly appreciate you sharing your experience. We take your feedback very seriously and are sorry that you are having trouble graduating from the program and that there have been multiple points of frustration during your program participation.

We would like to better understand your experience and resolve this. Please reach out to us at 800-282-7186 or email clientsuccess@beyondfinance.com with your name, email address and phone number so we can resolve this as soon as possible.

- Client Success Team at Beyond Finance

Apr. 13th, 2022

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Jordan Hyde Manchester-by-the-Sea, MA

So far I'm happy!! Hoping this is going to be the right choice . Getting myself out of debt with the help from the staff here is what I need. Will wright another review once things get rolling !!

4 years ago

Reply from Beyond Finance

Welcome to the program, Jordan!

Thanks for taking the time to review us so early in your program! We’re excited to help you take your first steps towards a brighter financial future.

Our team is committed to keeping you informed as progress is made in your debt resolution journey. You can always track your debt resolution progress by viewing your program online or contact us with questions at clientsuccess@beyondfinance.com or 800-282-7186.

Thanks again,

Client Success Team at Beyond Finance

Feb. 10th, 2022

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Jim Osei Jr Falmouth, KY

I am happy they will help me with debt relief I like the A+ rating on BBB the reviews are pretty good and they have a few extra things to help you with debt relief that is sweet. I am happy to be with Beyond Finance.

4 years ago

Reply from Beyond Finance

Hey Jim,

Thanks for the great review. We are very glad that you chose to enroll in the program and we are looking forward to seeing you move beyond debt.

In the meantime, we encourage you to keep track of your progress by viewing your program online or by contacting us with questions at clientsuccess@beyondfinance.com or 800-282-7186.

Thanks,

Client Success Team at Beyond Finance

Jan. 21st, 2022

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Frank T Santa Paula, CA

I signed up with Beyond Finance due to their good rating with the Better Business Bureau. Their fees are 25% of the original debt, so if they resolve an account for 50% of the original debt, their fees reduce the savings by half. That is, if you have an account balance of $10,000 and they settle it for $5,000 they claim they saved you $5,000. However, you have to pay them 25% of the original debt. Twenty-five % of $10,000 is $2,500. You wind up paying $7,500 as opposed to the $5,000. If you are paying a 20% interest rate, the savings will be increased by the reduction in interest payments. In my situation, I found the only real benefit was that I no longer had to deal with threats and harassment from the less ethical credit card companies.

4 years ago

Reply from Beyond Finance

Hi Frank,

Core to our program is making sure that all of our clients fully understand how our debt relief program works—we regret that we missed that mark with you.

It's worth noting that we walk clients through their program fees at enrollment and our program fees are factored into client deposits. We'd also like to note that one of the benefits of our program is that even with those fees, working with us can be much less expensive than continuing to pay your creditors. We are ultimately glad to hear that our program is saving you the trouble of dealing with your creditors and saving you money, too.

If you have any additional questions about your program or fees, give us a call at 800-282-7186 or email clientsuccess@beyondfinance.com.

Client Success Team at Beyond Finance

Apr. 20th, 2022

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Victoria Suarez Fort Lauderdale, FL

I had no complaints of Beyond until it came time for graduation of their program. All my creditors have been paid, confirmed paid in full, and I was told I was graduated from the program and I was going to receive the leftover funds in my dedicated account transferred to my bank account. That was on Feb 28, 2022. It is now April 14th and since friday I have been given the run around by every single employee I speak to and when my money is supposed to arrive to my account. Friday I was told Monday. Monday I was told by another gentleman that actually my account was not graduated because one of my creditors said they were not paid in full. I called that creditor MYSELF and was told that was false and they did in fact acknowledge to Beyond that everything is settled in full so there should be no issue. So I called back and then was finally told that yes they somehow miraculously received this confirmation (literally one hour in between phone calls) and I would get my money via transfer by Wednesday...NOTHING. Now, the gentleman (JT) who took my call and PROMISED ME I was put on top priority by his superior (Otis) and my money was in fact going to be transferred within 24-48 hours on Monday, will not return my phone calls. A woman (Roslind) that I spoke to on the 11th told me I shouldn't expect my money until Friday (15th) or next week at best. WHICH ONE IS IT?! I'm sick of being lied to and my money withheld from me which I am entitled to.

4 years ago

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Donna Woods New Orleans, LA

Started in 2019, paid every payment on time, credit rating tanked, got served papers by creditor who didn't want to settle, no legal help. Finally paid off my balance Feb 2022. The person who took my final payment didn't. " Push the button" to cancel future ACH withdrawals. It made me overdraft. Come to find out, I not only paid bill off, they owed me a substantial refund. Did not find that out until I called about the ACH withdrawal. And they can't return the ACH payment until it clears there side. They can not refund my credit until the ACH clears. When were they going to inform me that I had a credit? It's been there for over a month? Do I get the interest they have accumulated ? I've called 3 times in the last 24 hours , reps are apologetic, but basically I'm going to have to deal with it. There is someone in this company who can make an executive dicission and do what's right. It behooves me that they use a program that does not red flag issues within each account.

4 years ago

Reply from Beyond Finance

We appreciate you sharing your experience, Donna.

We take your feedback very seriously and are currently conducting an investigation into the experience you shared here. A member of our team will be reaching out to learn more about what happened and find a resolution to this situation.

Thank you for choosing Beyond Finance.

Client Success Team at Beyond Finance

Apr. 13th, 2022

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Mellec Aurora, CO

The company does not reveal the true 'cost' of doing business with them to you when they initially talk to you. They say they will settle your debt for at least 50% of the amount owed. While it was my concern when signing up that this can't be guaranteed, I went ahead and enrolled. My fear was correct. They did NOT settle my debt for as little as they had promised and their fees are outrageous (25% of the debt enrolled, not the amount you pay after the settlement). I enrolled $8K in debt and after it was all said and done (they took their cut), they saved me a measly $300. Beyond claims they will save you so much money, and it's just not true. Your credit score is hit severely and if I would have just paid my cards outright (and spent $300 more), I would've saved my credit score as well. I can't stress enough how this program is NOT worth it. Don't be fooled by them. Take my advice and try to settle your cards outright and do not pay this company to take your money.

4 years ago

Reply from Beyond Finance

Hi Mellec,
We appreciate your feedback. We strive to be transparent with our clients about our program and processes, which is why we review our fee structure with each client during their enrollment. Even with our fees, working with us can be much less expensive than paying the full amount owed to creditors and remaining in the cycle of making minimum payments, which includes higher interest costs and other fees.

If you have any additional questions about your program or fees, give us a call at 800-282-7186 or email clientsuccess@beyondfinance.com.

Thank you for choosing Beyond Finance.

Client Success Team at Beyond Finance

Apr. 13th, 2022

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Jamal Siarag Mather Field, CA

September 2020 I spoke with an enrollment agent Justin T for beyond finance to settle 3 credit cards. I signed up a 24 months agreement and was told that was it. I do not need to pay any more penny and they will settle all 3 credit cards. Fast forward to 2022 February. I spoke with beyond finance agent and asked how much left to pay off the program so I can graduate from the program earlier. They gave me the amount and suggested that I add a buffer just incase “in my head - I’m like what do you mean just incase? when you told me I only have to pay certain amount of money for 24 months.” Nevertheless, I added “the buffer” more money on top of whatever was left to pay off the program. It doesn’t end there… Today March 4th, a new agent reaches out to me and I’m like “ Thank God - I’m about to graduate from this debt who had me in a miserable situation financially for the last several years. To my surprise they asked for more money again, this time a crazy amount. I said NO. You either settle this cursed debt as you PROMISED or I’ll take my chances with the law. I really want to get a lawyer’s help or something at this point because this is a fraud. Tell people what they are getting themselves into from the beginning and use basic English words. I’m 27 years old and I’m really loosing my faith in the financial sector people.

4 years ago

Reply from Beyond Finance

Hi Jamal,

We appreciate your feedback. We are sorry to hear that you are experiencing a delay in your program graduation and that you are concerned about your program deposits.

Our goal is to help our clients resolve their debts as quickly as possible. Unfortunately, not all creditors approach resolutions the same way. As a result, payoff quotes are meant to be taken as estimates and clients may ultimately need to pay more or less depending on the terms of future settlements.

We understand your frustration and we are sorry for the anxiety and inconvenience that this has caused you. We would like to provide you with an update about your program. A member of our team will be reaching out soon to further discuss your program and address your concerns. Thank you for choosing Beyond Finance.

- Client Success Team at Beyond Finance

Apr. 13th, 2022

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Alli Thur Reno, NV

They lied to me in order to get me to sign up. After I signed up I got emails saying what they were really doing and had to call them to cancel and try to get my money back. I was told that my debt would roll over into a personal loan. All of it. I was not interested in settling as it would close my credit accounts. They said my accounts wouldn't close and my entire debt would roll over in three months of good payments. They said they would start contacting my creditors immediately. Then I found out they lied they were attempting to settle accounts. Late fees were incurring, and they were charging me 25% of my debt for this settlement service. The personal loan to finish my debt was probably six months out and not guaranteed. I thought this was a viable solution but the first review listed on google that raves about them seems to be an advertisement which is very misleading.

4 years ago

Reply from Beyond Finance

We appreciate your feedback, Alli.

Our goal is to make sure our clients fully understand how the debt relief process works so they can start resolving their debt and saving money. We are very sorry that we missed that mark with you and that the program was ultimately not the right fit.

We wish you the best of luck on your financial journey!

Client Success Team at Beyond Finance

Mar. 22nd, 2022

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Deb Riddle Muskegon, MI

Linton W was extremely helpful, courteous, and well informed on every questiin I had...Beyond Finance was the best thing I have stumbled onto in my life.

4 years ago

Reply from Beyond Finance

Hey Deb,

Thanks for sharing your feedback! We want all of our clients to feel comfortable on their debt relief journeys and we’re glad to hear that our representative, Linton, was able to answer all of your questions and prepare you to begin your debt relief journey! Thanks for choosing Beyond Finance!

- Client Success Team at Beyond Finance

Feb. 18th, 2022

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Christine T Fort Worth, TX

I just signed up with Beyond yesterday. They were very helpful, friendly and knowledgeable. I’m so ready to be debt free. We will see how this goes in the coming months.

4 years ago

Reply from Beyond Finance

Welcome to the program, Christine!

Thanks for taking the time to review us! We know that being burdened by debt can be stressful, but we’re excited to help you take your first steps towards a brighter financial future.

We’re committed to keeping you informed as progress is made in your debt resolution journey: you can always track your debt resolution progress by viewing your program online or contact us with questions at clientsuccess@beyondfinance.com or 800-282-7186.

- Client Success Team at Beyond Finance

Feb. 18th, 2022

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K C Saint Joseph, MO

I would give 0 stars if I could. This company is the BIGGEST scam. They claim to settle your debts in “3-6 months” but they actually take over 2 years. They are TERRIBLE at communication, don’t bother emailing them because you probably won’t get a response. Their fees are absolutely insane, and by the time they get around to negotiating a settlement for you, your initial debt balance has probably increased by the MAYBE 25% you would save if you had paid the debt off yourself, so you barely save a penny. Plus, your credit is absolutely wrecked. They charge a ridiculous fee for a savings account each month, and they throw in some surprise documents that will incur a monthly charge as well. After you’ve signed a settlement agreement, thinking a settlement has been made, they will send you another settlement a month later for the same debt claiming the first one didn’t work out. I was incredibly naive signing up for this program, please don’t waste your time or energy! Worst company I have ever dealt with. Also called in a month ago about some missing funds, and when the woman told me she would investigate it and *promised* to call me back within 2 business days, I believed it. It’s been at least a few weeks since then and I haven’t heard a peep. So, just to reiterate- please don’t do it. I am a paying customer of this service and I’m telling you it’s trash.

4 years ago

Reply from Beyond Finance

KC, we greatly appreciate your feedback. Our goal is to help our clients resolve their debt as quickly as possible. Prior to and during our clients' programs, our top priority is making sure that they fully understand how those programs work, including the process, our fees, and the program timeline.

We take your feedback seriously and would like the opportunity to address your concerns about the balance in your Dedicated Account. Please reach out to us at 800-282-7186 or clientsuccess@beyondfinance.com so that our Client Success team can review your account with you and resolve this.

- Client Success Team at Beyond Finance

Feb. 18th, 2022

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Emilee Coleman Lubbock, TX

I need to speak to someone about why I have not graduated from the program that we are enrolled in. I was told by a representative in November that we would be done with this before Christmas, it has been a month past Christmas. Please explain to me what the issue is. I have offered to pay over the settlement amount. All that I have heard is that our last enrolled debt is not settled yet. I have heard that you have been communicating with that company, but no agreements have been made. I have enjoyed working with Beyond, until we got our loan from Above. Beyond has been no help since we were given our loan, and I do not understand why.

4 years ago

Reply from Beyond Finance

Hi Emilee,

We appreciate your feedback. We are sorry to hear that you are experiencing a delay in your program graduation. Our goal is to help our clients resolve their debts as quickly as possible. Because we customize each program to meet our clients' specific needs, resolution times vary from person to person and it can take up to six months or longer to reach each resolution. Unfortunately, not all creditors approach resolutions the same way, so program timeline estimates cannot be guaranteed.

We understand your frustration and we are sorry for the anxiety and inconvenience that this has caused you. We would like to provide you with an update about your program. Please reach out to our team at clientsuccess@beyondfinance.com or 800-282-7186 to talk.

- Client Success Team at Beyond Finance

Feb. 10th, 2022

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Sondra Shumaker Miami Beach, FL

SCAM - I signed on w/Beyond Finance in Aug 2021 after the pandemic closed my event planning business and I had racked up considerable credit card debt, living on my credit cards. The rep at BF sounded knowledgeable and explained the program was designed to settle all debt within 120 to 150 days. We are now at 6 months later, my credit score has plummeted to 415, after ignoring any and all communication with my creditors - they have settled exactly ONE $2000 debt for alittle over half, which they are MAKING INSTALLMENTS ON, rather than just settling it which they have the ability to do, since they have collected some $2500 from my monthly drafts to them. And today, Trent at BF - who refused to supply a last name (what financial institute allows reps to use only first name, while they are sitting with ALL your personal data, SS, DL, bank accounts...????), advised that the large balance credit cards WOULD NOT BE SETTLED FOR YEARS - because they would have to collect from me enough funds to negotiate the settlement. THAT is NOT what was promised - infact just the opposite... specifically BF has the power in the marketplace because they have the ability to settle your debt in your behalf, as long as you establish a pattern of reliable payments over a 90 - 120 day period. THIS IS A SCAM - STAY AWAY.

4 years ago

Reply from Beyond Finance

Sondra, we appreciate your feedback. We are deeply sorry to hear that our program was not the right fit for you. We always aim for transparency with our clients with regard to our program, our process, and our fees. We regret to hear that you feel we missed the mark with you and that you felt you had unanswered questions about your program.

After a thorough review of your account, we have confirmed that your program has been terminated.

- Client Success Team at Beyond Finance

Jan. 19th, 2022

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Sheena

It’s only been a couple of days. However my overall experience with every one I encountered has been nothing short of amazing. I look forward to being debt free.

4 years ago

Reply from Beyond Finance

Thank you for leaving us a review, Sheen! We are very glad that you chose to enroll in the program, and that things are off to a great start!

We’re committed to keeping you up-to-date with your progress throughout your debt relief journey! You can track your progress by viewing your program online and contact us with any questions at clientsuccess@beyondfinance.com or 800-282-7186.

- Client Success Team at Beyond Finance

Jan. 18th, 2022

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Mspha23 Grass Valley, CA

My debt didn’t even get settle for that much less than what I originally owe. $27k settle for $22k. Beyond settled my PayPal account but it still shows up on my credit report after 5 months as in collection even after disputing it. Regardless of almost completing my program, my credit score continues to drop even though debts are getting settled. This is mainly due to the collection that I had already settle through beyond and finished paying off, however, since they won’t do anything about it, my credit drops each time I look at it. Already talk to beyond about it and nothing getting done. They claim they can settle the account for half the amount than you owe but literally it doesn’t really do anything for you due to the fees they charge. Just settle your loan yourself and call to close everything down. Wish I would had read reviews before joining up with them.

4 years ago

Reply from Beyond Finance

We appreciate your feedback and we are very sorry you're unhappy with your program. Our goal is to save our clients as much time and money as possible through debt resolution compared to a high-interest cycle of debt many of our customers face from their credit cards. We’d like to note that our program is often much less expensive than continuing to stay in the cycle of making minimum payments to your creditors, which is made more expensive because of various fees and compounding interest.

We’d also like to note that once resolved debts are repaid they can be designated as "Settled" or "Paid Settled" or some other similar designation. However, unfortunately, we have no control over how, when, or what the creditor reports to the credit reporting agencies. We encourage our clients to practice positive credit behavior both during and after their programs to help their creditworthiness over time. Historically, we've found that many of our clients see an improvement in their credit score as their debts are resolved and paid.

We’d love the opportunity to continue working with you and are keen to further discuss your experience. Please call us at 800-282-7186 or email clientsuccess@beyondfinance.com to speak with our Client Success team. Thank you for choosing Beyond Finance.

- Client Success Team at Beyond Finance

Feb. 18th, 2022

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Cynthia Bethea Fort Bragg, NC

Don't DO IT! They will wreck your credit and steal your money. And you will not get anything in return. Yes you will, you'll get a headache and a lot more aggravation than you bargained for. If you value your credit score, mine was over 700 when I began with them and now it's only barely fare 640 I do believe at this moment. I went down to 550 when I started. They will tell you not to talk to your creditors while they sit back and let your accounts grow with late charges so by the time a negotiation begins your account may have doubled the original amount plus you'll have delinquencies on you record. One of my accounts did just that and not only did it do that, but it went to collections while they were sitting on their bottoms. I was put in touch with one of the attorney's that work for them and she was useless as I received two court summons on this account. Had to appear in court last month, but the attorney did take care of that, but I went to court anyway to make sure. They will tell you one thing, and do quite another. They take out absorbent fees prior to even paying your creditor. They say it's 25% but it's way above that. I've paid $5016.00 to date and $2910.00 have gone to Beyond Finance Fees and only $2806.00 to my creditors. So that's even more than 50%. I've called them 5 times today and each time I get different information and an apology which doesn't help me much. Now I'm locked out of my online account and and can't even see what they are doing. They have no transparency and obviously no trouble telling you lies about what is actually going on. Told me they reached a settlement agreement with my final creditor, a year and a half later than when I began which was in March/April of 2020. Asked me if I could pay $750 payment and make my regular payment when it was due to settle this last account. The got the $750 but it did not go to the creditor, as the creditor was paid when my regular payment was made in the amount of $105.00. I was told there would be no fee associated with the last settlement but they took $910.00 for their fee. You do the math!

4 years ago

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Osiris Isis Evansville, IN

If I could write a review without having to give a star i would do without the hesitation. That in my opinion reviews need to be rated as 0 to 5 and Beyond Financie would definitely deserves a big ZERO. They are basically doing what you practically do on your own...Negotiating with your creditors Because of financial difficulties you are unable to pay and your asking for a settlement price; and to suspend your card. Well I'm being sued by a collection agency as a result of Beyond Financie; for reasons "beyond" me (pun intended) was unable to reah an agreement with Discover. So they reached out to me by referring me to a Lender to borrow more money to resolve what Beyond Financie failed to do. Do it your self speak to your creditors tell them your situation and suspend your card. And In your credit report Beyond Finance tells you it won't show up as a bankruptcy but it does at least in mine it did.

5 years ago

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Lauren Snell Green Bay, WI

I started using this company a year ago. Turned out costing me way more money. I was making bi-weekly payments. Which was more then I was paying towards the credit card companies. Over $115 of each payment went to their fees and I found out only $5 was going to pay the actual credit card company. Then last month a got a summons to go to court. They had not negotiated with Discover, turned out they never even contacted to tell them I was in debt consolidation. I called beyond, they said they couldn't help me. I called a local lawyer where I lived, and he told me that it was a scam and to tell beyond I wanted my money back. I was also advised to close my bank account so beyond could not keep taking my money. So now I wait to go to court next week to explain to the judge why I have no money to pay discover, and I only live on a disability check....

5 years ago

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Riad Almawy Dammam, 04

They promised to settle my debts with 3 banks but the settlement amount they "negotiated" would have been offered to me by the bank and saved me their whooping 23% fees payable on principal balance not the settled balance. They take their fees once I approve the settlement in advance. They failed to make a payment to one of my credit cards although the settlement was reached because the account was few dollars short and they never called me warned me. This bank withdrew the offer to settle and the situation stayed hush-hush in my account for 9 months until I decided to call them. Trying to reach any of their "courteous" operators or agents is easy, getting answers is the challenge. FInally they would not accept the responsibility for their failure to settle my card, didn't offer to refund me the amounts they paid partially to the bank that I lost or even to refund me the fees they collected on the settlement of this card which they failed to deliver. Add to it that they avoid communications by emails or mail and claim that all our conversations are on a recordede line, but they never shared with me the log of calls they claimed they made to me. I am taking them to court for sure.

5 years ago

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Charlie smith Monterey, IN

I think I made a mistake hiring this company Beyond Finance I am very unsatisfied and don't feel that we had the same understanding of how this was to go on if you're negotiating my debt why is it that I have paid $2,900 in 11 months and have had one account settled wow my credit card utilization has went from 98% to 125% I keep getting threatening letters from attorneys and collectors and then I'm told they can't negotiate my other accounts until there's more money in my account this wasn't what I had in mind from what I was told I think I made a big mistake going with this company and at this point I can't recommend them to anyone else this is just the half of it but others have already said the same thing I'm thinking.

7 years ago

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Tammy Paim Middleboro, MA

They explained things so well and in terms that I could understand. I feel very secure and comfortable with my decision to move forward with them

4 years ago

Reply from Beyond Finance

Hi Tammy,

Thanks for the kind words! We want all of our clients to feel comfortable on their debt relief journeys and we are very glad to hear that our representatives were able to fully explain our program to you from the start.

As always, you’re welcome to reach out anytime with questions at clientsuccess@beyondfinance.com or 800-282-7186. Thanks for choosing Beyond Finance!

- Client Success Team at Beyond Finance

Apr. 13th, 2022

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Karen Rieger Sioux Falls, SD

Absolutey the best service i have ever had.answered all my questions that i wanted to know.very polite and reassuring.Great job and very patient.

4 years ago

Reply from Beyond Finance

Hi Karen,

Thanks for leaving us such a great review! We’re happy to hear that our client service has exceeded your expectations.

As always, you’re welcome to contact us with questions at clientsuccess@beyondfinance.com or 800-282-7186. Thank you for choosing Beyond Finance!

- Client Success Team at Beyond Finance

Apr. 13th, 2022

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Alexis Barnett Venice, FL

Zachary was very helpful in explaining how this works! I am super excited to be on the journey to financial freedom with Beyond Financial!

4 years ago

Reply from Beyond Finance

Hi Alexis,

Thanks for the great review! We’re glad that our client service is living up to your expectations and that our representative Zachary was able to fully explain our program to you.

As always, you’re welcome to contact us with questions at clientsuccess@beyondfinance.com or 800-282-7186. Thank you for choosing Beyond Finance!

- Client Success Team at Beyond Finance

Mar. 10th, 2022

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Nick Becker Kansas City, MO

I appreciate any help. Thank you. I would like a timeline on what to expect. I will be getting calls and messages expecting payments next week. I don't want drafting on my bank account.

4 years ago

Reply from Beyond Finance

Welcome to the program, Nick! We know that being burdened by debt can be stressful, so we’re excited to help you take your first steps towards a brighter financial future.

Our goal is to make sure our clients fully understand their programs and know what to expect. From the time of enrollment, our team actively works to reach resolutions that save you as much as possible. Because we customize each program to meet our clients' specific needs, resolution times vary from person to person and it can take up to six months or longer to reach your first resolution. To learn more about your program and what you can expect timeline-wise, please reach out to us at 800-282-7186 to speak with a member of our team. Thanks again for choosing Beyond Finance!

- Client Success Team at Beyond Finance

Mar. 4th, 2022

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Beth Looney Chipley, FL

Please don't every use this company. They are not honest with how much the program costs, they have horrible practices, aren't transparent and usually call me at least once a month to attempt to get me into more debt. They are only in it to take your money. If I had just paid my bill on my own I would have been paid off a year ago instead of waiting now for another 6 months.

4 years ago

Reply from Beyond Finance

We are committed to being transparent about our debt relief process and do our best to make sure all of our clients understand how their programs work, including our fees, program timeline estimates, and process. We are sorry that you feel we missed that mark during your program.

Our intention is to set our clients up for success on their financial wellness journeys. We would like to discuss your experience further and address your concerns. Please reach out to our team at clientsuccess@beyondfinance.com or 800-282-7186.

- Client Success Team at Beyond Finance

Feb. 10th, 2022

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Charles Corson Sr Melrose, MA

The person who worked with me[ Krista ]is so polite and friendly and would not want anybody else. THANK YOU VERY MUCH FOR YOUR SERVICE.. SIGN CRC.

4 years ago

Reply from Beyond Finance

Hi Charles,

Thanks for the great review! We’re glad to hear that our client service is living up to your expectations so far!

As always, you’re welcome to contact us with questions at clientsuccess@beyondfinance.com or 800-282-7186. Thank you for choosing Beyond Finance!

- Client Success Team at Beyond Finance

Jan. 21st, 2022

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Angela G. Unionville, TN

So I haven’t really started the program. But so far so good and my representative is very Helpful. So I’m hopeful that everything works out well

4 years ago Edited January 20, 2022

Reply from Beyond Finance

Welcome to the program and thank you for the review, Angela!

We know that having debt can be stressful, but we’re excited to help you take your first steps towards a brighter financial future. We’re committed to keeping you informed as progress is made in your debt resolution journey: you can always track your debt resolution progress by viewing your program online or contact us with questions at clientsuccess@beyondfinance.com or 800-282-7186.

- Client Success Team at Beyond Finance

Jan. 20th, 2022

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Jen M Raleigh, NC

Beyond Finance never settled after sending $8,000 to them throughout the year. When I told them I want to cancel and get my money back, they sent me $800 and kept all of my money! I called to see where the rest of my money was and they said it was used to pay for fees! None of my cards were paid. I reported them to Consumer Financial Protection Bureau. This company has been sued many times. Beware!

4 years ago

Reply from Beyond Finance

Hello Jen,

We appreciate your feedback and we are sorry to hear that our program was not the right fit for you.

Our program’s Money Back Guarantee entitles you to the return of any money you accumulated towards potential settlements less any fees earned by Beyond Finance.

We would like to help you review your account details and answer any questions you have about your refund. Please reach out to us at 800-282-7186 or clientsuccess@beyondfinance.com so that we can address your concerns.

- Client Success Team at Beyond Finance

Jan. 21st, 2022

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Thomas Wilkins Detroit, MI

This place is a huge scame that puts you deeper and deeper into debt. They pay everything the slowest way possible. The staff barely do anything. I’ve had to call them ten times to make anything happen. I could have payed my debt easily myself and saved myself 1000s of dollars. Please never consider this company. They will destroy your credit. And make everything take ten times longer then it needs to be

4 years ago

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Billy Parks Gastonia, NC

They are a total rip off, please don't deal with these Pirates. They told me that their fees would be included in monthly payment. Signed up for 32 months and they they are trying to stretch me out to almost 40 months. Had over $5,000 in my dedicated account and they settled a debt that was $5,200 and told me that they took their fee now my dedicated account is less than $2,500 and i have to continue to make payments monthly for another year. They are the worst with lying and not being truthful how the process works. STAY AWAY IF YOU CAN!!!!!

4 years ago

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Bridget Koehn Kansas City, MO

I consolidated debt with them on 1/2020 & just received a summons to go to court on 5/20/21 from Discover. They STILL have not settled with this company. It's now on my credit report as bad debit. NO ONE has ever reached out to me regarding this issue. It took a sheriff to come knocking on my door. It's now 3 days before court & I had to call them. I've reach out to their "legal" dept several times & NOTHING!!! Would not recommend using their services!! HORRIBLE COMMUNICATION!!

5 years ago

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sandy St. Petersburg, FL

DO NOT use this company. Please...there are much better companies that will help you. They are horrible and customer service is just awful, never had such a worse experience in my life. They will not help you in any way shape or form. if you have attorneys after you they will not help at all. Please look elsewhere, you will not be happy with this company.

5 years ago

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jeanie borer Mooresville, IN

Rinaldo was very helpful in getting me set up. Everyone I have spoken to has been very friendly and helpful

4 years ago

Reply from Beyond Finance

Hi Jeanie,

Thanks for your great feedback! We want all of our clients to have a great experience on their debt relief journeys and we’re happy that you found our representative Rinaldo helpful. Thanks for choosing Beyond Finance!

- Client Success Team at Beyond Finance

Apr. 13th, 2022