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

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75 Reviews

Review Breakdown

5 grade

57%

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1 grade

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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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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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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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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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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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Corey Schuler

This company is terrible to deal with. I decided to cancel right away haven't even put funds in. I finally got a hold of someone saying that the canceled it for me. They did not and when I tried calling back I just keep getting the run around. The managers seem like a shady used car salesman and I am still not canceled 0/10 would recommend

4 years ago

Reply from Beyond Finance

We appreciate your feedback, Corey.

We’re sorry to hear that our program did not live up to your expectations. Our clients are welcome to leave their programs at any time. After a review of your account, we have confirmed that your program has been officially canceled.

We’re sorry to see you go, and wish you the best of luck in achieving your financial goals!

- Client Success Team at Beyond Finance

Feb. 18th, 2022

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Rene Hertel Evansville, IN

Don't do it!!!! Talk to your creditors and see if they will work with you. I've been in the program for over 3 years and should have been done in January but they haven't even settled all my accounts yet! After 3 years!!! Now I am having to pay beyond what I was told. It's a big scam and I do not recommend them!!!!!

4 years ago

Reply from Beyond Finance

Hello Renee,

We appreciate your feedback. Our goal is to help our clients overcome debt as quickly as possible. Because we customize each program to meet our clients' specific needs, settlement times vary from person to person and it can take up to six months or longer to reach each resolution with a creditor. For this reason, in addition to each creditor approaching resolutions differently, program timeline estimates cannot be guaranteed.

We understand how frustrating this can feel when you're eager to make it to the end of your program and we would like to provide you with updates on your progress. Please contact us at clientsuccess@beyondfinance.com or 800-282-7186 to speak with a member of our team. Thank you for choosing Beyond Finance.

- Client Success Team at Beyond Finance

Feb. 10th, 2022

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Sohail James Ann Arbor, MI

Please please do not use their services. You will end up paying much more what you are paying to credit companies. They could not settled my debt with Discover card and ultimately I got notice of Garnishment from them, which means I have to pay them full amount. Never ever higher this company. Now I have to get lawyer to settle this debt.

5 years ago

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MIAMIGIRL Miami, FL

I started in May - got letters from attorneys which I forwarded to them. No response except "we are working on it". I kept following up with I got another letter. No response. I was concerned about being sued - no response. I switch to another company CareOne whom a family member used about 10 years ago and they were very satisfied with them.

7 years ago

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Nora Rivera The Bronx, NY

This people are scam and thieves I ended taking a loan because the wasn’t settled I have to pay them 6200 and the do not settle with the other company this is scam

4 years ago

Reply from Beyond Finance

Hi Nora,

We appreciate your feedback. We are sorry to hear that our program was unable to resolve all of your enrolled debts. Unfortunately, not all creditors approach resolutions the same way. As a result, resolutions cannot be guaranteed with all creditors.

Ultimately, we are pleased to hear that you were able to get approved for a debt consolidation loan with one of our partners. We wish you the best of luck on the remainder of your debt free journey.

- Client Success Team at Beyond Finance

Apr. 13th, 2022

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Min Villa Paso Robles, CA

Why do you charge 25% of the amount finance and a monthly fee of $11.99? Seems like a rip off. So people use another company!

5 years ago