Review for Beyond Debt I joined beyond debt on 5/18/25 with three debts to be negotiated. My first deposit was on 5/28/25 biweekly in the amount of $217. The first resolution offer was on 7/15/25 they got $2076 reduced from $6921. Beyond finance immediately took $1650 for the settlement as they get a percentage per settled debt. My credit score after two months went from 625 to 506. On 8/26/25, my credit score went up to 518 and I was still waiting on my next settlement offer. I got my next offer on 10/10/2025. The debt was 9,101 and they settled for 6,371 less than 10 days later my credit score went from 518 to 541. This is a long process and if you are so busy that you are not able to negotiate these on your own it may be worth it for you. However, remember even if they get the debt down most of the debt reduced goes to them. In December 2025 I had financial hardships and requested that Beyond Debt skip a payment and change the date it was withdrawn. That was easy to do they rescheduled the withdrawal quickly. In January 2026, my credit score went down to 531. June 8, 2026, beyond dept has still not made a deal with my last creditor. However, my credit score jumped up to 566. This is due to the payments made on the two creditors with beyond dept and I had kept one creditor off the list who I only owed 1000 too and I continue to pay it off and use it. I also have opened two creditors that you earn credit by adding money to the card using it and paying it off. On August 3rd 2026, my credit score went up to 598. This was not due to beyond debt but due to the fact that I had opened other forms of credit to slowly rebuild my credit. Beyond debt still had not been able to resolve my last debt it started looking like I would have to somehow repair that one on my own. The only debt they did resolve cost me a lot of money and later I found out it was an easy debt I could have resolved on my own. Honestly in the end I do regret my decision to go with beyond debt it didn't help me it actually made things worse. read more

I would not recommend Beyond Finance based on my experience. I paid a total of $2,838.22 into the program. During that time, only $100 was paid to one of my creditors. The rest of my money went toward fees while my accounts continued to accrue interest, late fees, and become more delinquent. None of my accounts were successfully settled before I canceled the program. By the time I left the program, I was in a worse financial position than when I started, and my credit had taken a significant hit because my accounts went unpaid during the process. When I requested a refund of the fees, I was told they could not refund them because the services had already been "rendered." Looking back, I would have been better off putting that money directly toward my credit cards or working with my creditors myself. At least then I could have avoided paying thousands in fees while also damaging my credit. Make sure you fully understand how this program works and where your money is actually going before signing up. read more

SCAM CITY!!!!! Please do not sign up with this company at all they will rob you blind. They will negotiate your debit down just to charge you a astronomical amount in the process. And when they do charge you the fee, they don't show you when it's being taken. And how it's being taken at all. So they will be very misleading, and you won't find out until you request to cancel with them. Because they don't have this information on the app to let you know what fees you're being assessed. When you agree on the debt that they have negotiated for you. They are playing in a Gray area. And I'm currently reaching out to the state of Texas to get this address, because they are not willing to return the money that they owe me in my account. They took it for their fee up front and are not trying to work with me. To resolve this matter, so do yourself a favor and do not do business with them. The goal, if you're trying to get out of debt, they would just put you farther in it. read more

Your honesty better off filing for bankruptcy. The fees they charge are so high that it will never feel like you're getting any where with them settling your debts. They will tell you to trust the process for months on end while taking huge amounts of money for their fees. read more

I enrolled with Beyond Finance in May 2024 with approximately $29,572 in debt. I am writing this review based on the actual financial results of my account because my experience has been dramatically different from what I believed I could reasonably expect when I enrolled. When I signed up, my agreement projected an estimated debt resolution amount of $15,208.46 on my $29,572 of enrolled debt. It estimated total program deposits of $23,844.96, which included the funds needed for settlements and program fees. I understood that these were estimates and that specific results were not guaranteed. However, I will give Beyond credit for having a very effective salesperson. The program was presented to me in a way that left me believing I would experience significant savings and be in a substantially better financial position when this was over. My actual experience has been very different. Six of my accounts have now been negotiated. The balances on those accounts at the time of settlement totaled $23,707.61. Beyond negotiated settlements totaling $18,099.71, meaning they negotiated $5,607.90 off the balances, or approximately 23.7%. That might sound like decent savings until Beyond's fees are included. My agreement charges a program fee equal to 25% of the enrolled balance of each debt Beyond resolves. Based on the original enrolled balances of these six accounts, Beyond's program fees total approximately $5,075.75. So these are my actual numbers: Balances when settled: $23,707.61 Settlement amounts: $18,099.71 Amount negotiated off: $5,607.90 Beyond program fees: approximately $5,075.75 Actual savings after Beyond's fees: approximately $532 In other words, after Beyond's program fees, I have saved just over 2% of the $23,707.61 I owed when these settlements were negotiated. That is substantially different from the level of debt reduction I believed I could expect based on the projections I received when I enrolled. My agreement projected resolving $29,572 in enrolled debt for approximately $15,208 before program fees -- roughly 51% of the enrolled debt. By comparison, my six actual settlements have required paying approximately 76% of the balances owed at settlement before Beyond's fees are even added. My original biweekly program deposit was $229.27. My biweekly contribution is now $398 because I have repeatedly had to increase my contributions in order to fund settlements. I also still have an account that Beyond has failed to resolve after more than two years in the program. I have contacted Beyond multiple times specifically asking about this account and have repeatedly been told that it is "negotiating." After waiting all this time for a resolution, I recently learned independently that the original creditor had sold the debt to a third-party debt buyer. I did not learn this from Beyond. That is extremely frustrating because I have proactively contacted Beyond asking for updates and continued to be told the account was "negotiating." I am now requesting specific information from Beyond about what negotiation activity has actually occurred, who they have been communicating with, when the last communication occurred, and whether any offers have actually been exchanged. I understand that debt settlement involves risk and that Beyond does not guarantee a specific settlement percentage. Their agreement states that explicitly. My complaint is not that Beyond failed to meet a guaranteed number. My complaint is that the actual financial outcome I have experienced is dramatically different from what I believed I could reasonably expect when this program was sold to me. Looking at these numbers now, one of my biggest regrets is that I could have taken the money I was depositing into Beyond, saved it myself, and attempted to negotiate directly with my creditors once I had enough money to make settlement offers. Knowing what I know now, I believe I could have saved significantly more by setting that money aside myself and attempting to negotiate directly with my creditors rather than paying thousands of dollars in program fees to ultimately achieve approximately $532 in net savings. Had I understood that I could go through this process, allow my accounts to become delinquent and balances to increase, significantly damage my credit, repeatedly increase my program contributions, wait more than two years without a resolution on one of my enrolled debts, and ultimately save around 2% after Beyond's program fees on the accounts resolved so far, I would never have enrolled. Before signing up for a debt settlement program, I strongly recommend doing the complete math yourself. Don't just look at the settlement percentage or how much was negotiated off the creditor's balance. Add the company's program fee back into the settlement amount and calculate what you are actually saving. I wish I had done that math before I enrolled. read more

The sales representative misled me into thinking that they work with Discover every day. Discover was 50% of my debt. I paid 853.00 a month for 2 years, and they only paid off 5,000.00 of debt before I fired them. Discover, I now know, will not work with Beyond. I realized this after researching Beyond after firing them. Beyond quotes a low monthly payment in the beginning; after a few months, they will pressure clients into increasing it, or clients' creditors will not be paid their monthly amounts. This tactic will increase your monthly payments every few months. Over 2 years, they pulled this scam four times. If you have any issues, most of their employees work from home. Rarely will you speak with the same person. As your program began to end, I then realized that 35,000 of my debt from Discover and Capital One would not work with Beyond, and I hired an Attorney Expensive lesson. read more

Company lied about the program being a debt settlement company and misled us to be a debt consolidation...was never explained to us that our cards wouldn't be paid off until we accumulated AT LEAST 50% of the balance on the card in a dedicated account...meanwhile we were told to not make any payments to our cards because they would be paying them. They do not pay them until you have half of the entire card balance amount of the settlement offer in their dedicated account you make deposits into. Not a fast process. You're better off filing bankruptcy. UPDATE 6 months later (Nov 19, 2025): You claim these things but not once has an account manager contacted us. I have a call log showing I am the one to reach out several times and unable to speak with a manager, and told "it has been documented in your notes and one will reach out" but never has anyone. No one called, not one voicemail message left. When you claim you discuss the terms at the initial enrollment of the program, you send over 50+ pages for us to sign and the representative "walks us through" the process paraphrasing what your "contract" and Terms stipulate, the information your phone representative provided us was completely off base from what your program does. At no point was it explained to us that we have to wait until 50% of the entire credit card balance is in your dedicated account before you will even begin negotiating with the credit card company. We enrolled several cards. Our credit scores tanked more than when we ever had when filing for bankruptcy because during this entire time the credit card is accruing interest, late penalties, and additional overdraft fees all because you dont negotiate with them until the balance of the card has 50% in your account. You also didn't mention that you take your fees UPFRONT before even paying any of the accounts. Example for the general public to be aware. You have a credit card balance enrolled in Beyond Finance program in the amount of $20,000. You pay $500 a month into the dedicated account. You must get the dedicated account up to $10,000 (10,000/500=20 months - nearly 2 years) before Beyond Finance will negotiate with the credit card company. Overall crappy company and would not recommend read more

Horrible scam. RUN!!! Crooks. Dishonest. So regret getting entangled with them. They charge 25% interest on pre-enrollment debt!!! A detail hidden. They take advantage of vulnerable people. Really added to my stress terribly. EVIL read more

Unfortunately I don't think I can give 0 stars. DO NOT use this company if it can be avoided. Everybody's situation is different, but if you feel you absolutely must go the route of debt settlement, attempt yourself 1st, and if you get nowhere and want to explore a 3rd party, pick another option. I ran in to difficulty about a year in to the program (fiance was hospitalized, etc), and had to cancel. I was then charged fees for cancelling the program, though my interest was staying in until back on my feet. Against better judgement, I opted to try with them again, as one of the creditors they had negotiated with was threatening legal action. I submitted nearly $2,000 back in to the programn, and Beyond Finance "negotiated" a settlement of nearly twice what had previously been agreed upon, with the same exact creditor. This obviously wasn't going to work, the payments needed to even sign that offer made it a non-choice. BF then kept pushing me to take the unreasonable offer, and I felt completely on an island, with no choice but to pursue legal options, or take an absurd offer. At that point I opted to close the account and ask for the $2,000 back which was being held in escrow. (I was promised, and they will sell you the same song and dance all along, that the funds in escrow are yours and would/will be returned with no issues, minus 'some fees'). Long story short the fees turned out to be exactly what I had in my escrow account. Obviously, not an awesome scenario, but I should have never signed back up with this company, so that is on me. This is purely a warning to folks who have found themselves in a similar unfortunate financial situation. There are other options, and attempting Chap-7 off the rip is a far better choice if your situation feels dire. Do not let these crooks have a cent of your available cash. There are better avenues you can use it in attempts to clear your bad debt. read more

This is a scam the charges extremely high fees and interest rates. Go to consumer credit counselors instead.

Company mishandled our funds. Keep in mind this is your money, so you are hopeful they are representing you properly to your creditors. Beyond Finance during their negotiation assumed they were talking with one of our actual creditors, and worked out a settlement. Unfortunately, they were not talking with an actual creditor and began to release funds to a scam. When we questioned Beyond Finance of our findings they attempted to state the creditor stated we had two accounts with them, which was not true. We attempted on multiple occasions to get a straight answer from Beyond Finance, but kept being told it was being escalated to their supervisors. We have not hear back from Beyond Finance about returning the misappropriated funds that was given to a wrong company, so I would recommend looking into more reputable companies to support you. read more

Negotiate with your creditors directly!!!! I used them.. they all give you different answers and take no responsibility for the inaccuracy. Til it's said and done.. what I am paying is more than the debt I enrolled with them. If you don't pay your credit cards the late payments and interest racks up thousands more.. and then they try to negotiate off that higher amount plus their fees 25% of enrolled debt plus lots of hidden fees!!! Beware! I had no idea til it was too late read more

If you are looking to go with this company. PLEASE PLEASE DO NOT ENROLL with this company. This company is a complete NIGHTMARE. I am in worse shape than before enrolling in the program. They only settled 3 accounts and the fees were more than the settlement with the creditor.....the remaining accounts have been charged off and now I am being sued by 4 of my creditors. AND on top of this....I enrolled in the program with the counsel .....well wouldn't you know, you have to be approved for their counsel to represent you. Now I have to file bankruptcy which I should have done in the first place!!!!! read more

Horrible experience, they hide additional fees : not upfront 1. $9.95 Monthly Service Fee 2. $12.95 PLP Monthly Fee And then on top of the 25% Fee, there is also a Settlement Fee when they negotiate an offer... BEWARE BIG RIP OFF : WORST THAN EVIL read more

This company is stealing money from people with financial hardship, telling them, don't worry we can help negotiate reduce debt and a affordable payment plan for the remaining balance. They took $3700 plus within 4 months in fees from my reserve account and stating I still owe them $1,500.00. I cancelled my account on August 4, 2025 and planning legal action against them for the money taken from my reserve account, they call fees. The representatives and managers are smooth talkers, they are trained to manipulate the conversation with kind words, while they plan to rob your finances and put you deeper in debt. RUN AWAY FROM THIS COMPANY FAST, DO NOT ANSWER ANY CALLS AND BE CAREFUL OF OTHER DEBT CONSULIDATION COMPANYS. GREENPATH NON-PROFIT DEBT CONSOLIDATION COMPANY MIGHT BE A BETTER CHOICE TO WORK WITH. CHECK OUT THEIR REVIEWS FIRST. I added Evesta P. review dated March 31, 2025 to my review. She is 100% correct. Here's what actually happens...you agree to this amazing bi-monthly payment which is a relief to what you've been paying...you stop paying your CCs and/or debt...you start paying Beyond for the agreement in an "account"...you sit and wait for settlements with these creditors who are angrily calling you all day, every day...eventually you get one settlement approved "the dangling carrot"... you continue to wait on others while constantly being overwhelmed by creditors calling all day and night...6 months in you realize that your "account" has been paying fees not actually any creditors. DO NOT... I REPEAT...DO NOT SIGN UP WITH THIS SCAM ORGANIZATION. read more

DO NOT use this program. they are difficult to get in touch with and do not follow through as quickly as they say they will. This is an awful company to work with, I can't get a straight answer. read more

This business has nefarious business practices. I reported them to BBB. 25% fee is obscene and they never disclosed that in their sales pitch. Charlatans. That money they want to take can be used towards your creditor(s) instead. Like others posted: NEGOTIATE WITH CREDITORS YOURSELF. I successfully did that with all my creditors but unfortunately not before this slimey company took a couple thousand from me. Use your head and don't give this company your money. read more

Everything seemed fine at first, although I questioned their policy of not having us answer any calls or other communications from the creditors. Now I finally understand that policy is because they don't want us to hear from the creditors that they will work with us in a better deal than we got from Beyond. I have been lied to directly at least twice and gotten the run-around a few times when I asked questions. Now I have my second court case. The first one went smoothly, but the amount was relatively small. This upcoming one is not so small. I have no advice from anyone at Beyond or their legal contractors on how to handle it. read more

Don't just walk away from this company, run, run run...they have such deceptive business practices that sound so good to resolve your debt. I would give them 0 stars if I could. Here's what actually happens...you agree to this amazing bi-monthly payment which is a relief to what you've been paying...you stop paying your CCs and/or debt...you start paying Beyond for the agreement in an "account"...you sit and wait for settlements with these creditors who are angrily calling you all day, every day...eventually you get one settlement approved "the dangling carrot"... you continue to wait on others while constantly being overwhelmed by creditors calling all day and night...6 months in you realize that your "account" has been paying fees not actually any creditors. DO NOT... I REPEAT...DO NOT SIGN UP WITH THIS SCAM ORGANIZATION. read more

They are very slow at negotiating and when they do the reduction is very small. They also started to change the amount of money deducted from my bank account without my consent, very concerning. After several pointless phone calls nothing has changed, there is not one person who claims that they can do a thing.. waiting until I can get out of this program. Awful experience read more

What a terrible scam of a company! I have worked with this place reducing all my debt. I have had phone conversations, text messages and accepted settlement offers, not once did they mention any additional fees. By next month I was prepared to make my final monthly payment to my debt balance which would be enough to cover my final agreed upon debt settlement. Now they are telling me in text messages I owe the company additional money for their fee. This is a bait and switch scam. They tell you one thing thing without fully disclosing all fees. read more

One of my objectives when enlisting in the Beyond Finance (BF) program, in addition to the monetary debt payment savings realized, was to enhance my credit score to a respectable level. This concern was posed to the BF representative whose response was to verify that the consolidation of my outstanding debt would serve as a positive impact on raising my credit score. Almost seven months after the final debt consolidation payment was made, my expectations of an acceptable credit score were not even in doubt. Not so until my visit to the car dealership where I was refused financing due to a score of less than 600! This had to be a mistake, right? With almost $30,000 in debt relief paid off, and a more than respectable debt/income ratio, this couldn't be! I questioned BF, asking them for justification to their statement which assured me my payment settlements would, indeed, serve to increase my credit score. They had none! Instead, I was told I had to handle this matter on my own, basically leaving me out to dry. So, my question is this...is Beyond Finance a company you want to entrust your future with? Is a company that makes promises that are not true, a company that can be trusted? That's a decision that only you can make. Good luck. SS 10/11/25 read more

They charged me over $4,000 for the service. I had no idea it would be that much. No one would ever give me a price. I noticed that my consolidation price was $6,600 but I had already paid $9,000 and they kept saying that I was not done paying. You should call the credit card company yourself to see how they will settle with you instead of letting Beyond Finance rip you off read more

Complete scam, call your creditors and deal with them. They dont do anything that helps, they take your funds and I dont even think they pay your creditors to settle. read more

They are holding on to my money and not applying it to the debt to pay it off. They are charging me a fee and then keeping most of my money, and I'm betting they are using my money to invest and making more off me. They won't explain why I make a $200 a month payment to them, and they only pay $50 a month to my creditor. They quoted the cost of the program as much less than it is. read more

Be careful! They lie and make promises they can't keep!!! They charge 25% and won't cancel or refund your money.

Two court cases because Beyond didn't get their job done with negotiating debt. Ended up paying more than original debt

ZERO STARS IF POSSIBLE... To everyone reading this, please please please read the 1 star reviews!!!! YES, this company is a total scam. They have you build up funds to "supposedly" negotiate for you and then after a while they say "CONGRATULATIONS"!!! We've got a settlement offer for you! IF you're lucky you get 50% of your debt reduced but the part where you will get S.C.R.E.W.E.D is that they'll take a HUGE chunk of all the money that you put into your account as their "fee" for basically a few phone calls or emails and only then will you start paying your creditor/s.... I had about $3500.00 in my escrow acct as they like to call it, I signed to paper saying that I agree to the settlement and then BOOM!!!!!! They took exactly 97% of my money for themselves. I called them and of course spoke to a BRICK WALL that couldn't care less about my problem of course, she said "It does say in your contract that there's a fee for our service".... When I asked, Where does it say you will take nearly ALL OF MY MONEY, UP FRONT before even paying a dime to my creditor? Of course, no reply. I tried to get my money back via several emails and they never even responded to me. I will look at EVERY POSSIBLE way to spread the word about this horrible scam of a company that preys on people already in a terrible situation. read more

So the fee for them to have my singular debt account handled was 1800 dollars which cut 1/2 so i still owed 3600 and i payed it off but now i recieved a letter in the mail from the same account i owed for the amount reduced so im going to be taxed on said money dont really understand how they helped me at all when its all said and done i will have paid the same amount if not more read more

What they tell you at the beginning is not true at all. They set an amount and then they come back for much more. It's mainly a scam.

Very disappointed. I was told my debt could be reduced by at least half. After almost two years, my first two settlements were just over 60% once fees were included, and a third creditor barely reduced anything. Now Beyond Finance wants nearly $1,000 up front on top of the monthly payments I've already been making. My credit score was ruined, and while creditor calls stopped, they were simply replaced by collection-style calls from Beyond Finance itself. If I had to do it again, I'd work directly with my creditors instead of paying another company to profit from my financial hardship. read more

Sorry, BAD I consolidated in 2023 then one acct sent to collection they did not settle with so I had to pay and extra $95 monthly so really I am paying it twice. LOOK AT BEYOND FINANCE ON NOT ONLY THEIR SITE. I see they are #119 out of #120 debt programs. They got more money from me than my creditors is what I see read more

What a nightmare. I changed most my depth to a different Depth company in 2024 because the lack of communication and never knowing were I stood. The portal does not give good communication either. You get someone that will answer your questions one time and then another person that gives you nothing and confuses the question more. I kept 2 accounts with Beyond due to settlements they had started. One was fine, but this last one is now a huge issue. I am seeing reviews that their fees are over the top. I knew there were fees, but WOW! I called and spoke to someone the end of last year, which today they said I did not. (They do have records of a chat and emails.) There was a large balance at the end of my payments and I wanted to know what it was for. The person I spoke with never answered my question or explain that I would have to pay this at the end of the time frame or it would effect my settlement. I called today and now I was told I have to pay the large amount, or maybe they can pay it for me and I will have to make more monthly payments. It is not decided yet. Long story short, if the person I talked to at the end of the year would have told me this, I would have made larger payment and budgeted to have this paid off. Now I am sure I will be paying more fees to them. I had the money to pay this in February, but paid another depth because I thought I was okay. Be very careful if you use this company. Keep up with everything and put everything in writing. Or better yet, pick a deferent company. Note; I never missed a payment, my credit was getting better and now I may fall back due to Beyond Finance not caring about the people they are supposedly helping. ):( read more

My experience with Beyond Financial has been frustrating and disappointing. They kept unused funds that should have been returned to me, and when I asked about it, I couldn't get a clear explanation. That money belonged to me, and there is no reason it should be withheld. On top of that, I later learned they charge 25% of the total enrolled debt as a fee. This was never explained to me on the phone when I signed up. I was told all fees were included in my bi-monthly payments. To find out later that there's a separate 25% fee feels misleading. When I asked them to show me where this was stated in my contract, I did not get a clear answer. I feel that Beyond Financial was not upfront or transparent about how their program actually works. Instead of helping, their practices l was misleading. I would not recommend this company to anyone. read more

Use this advice wisely. If you have a debt with a collector. Pay it yourself. You can negotiate the settlement with them and pay them directly. Beyond finance just does what you could basically do but charges you a monthly fee and 25 percent placement fee for the negotiation settlement that you could easily do yourself. Save yourself the money. I know their salesmen can be good with words and give you what you think is great assurance that they will take care of everything for you. They will but at an extra price for themselves. Don't fall for these tactic's. Your debt turns into collections and your credit is ruined. Anybody can do that. Collectors would rather negotiate with you than BF or any other third party. Last time I say this. DO IT YOURSELF!!! read more

This company lied and misrepresented themselves for an entire year. They did not help. They advised me to stop paying my credit cards and that they would do negotiations. They went after the lowest debts first -- WITH THE FULL KNOWLEDGE that at least one of creditors were KNOWN to be aggressive. After a year of BEGGING THEM to focus on the highest debt first, they refused and a court case was started. I have been fighting with this company to negotiate an offer I can afford, they continued to present "the credit cards offer" that was NOT reasonable. It has been a couple of weeks since the case was started and today, I chose to contact the creditors directly to negotiate on my own behalf. In 45 minutes I was able to negotiate an affordable offer (the lowest possible offer I can get after the case was started). This company lied and misrepresented themselves for an entire year. They took payments for offers that were not complete and caused more problems, financial hardship and emotional distress and physical pain because of this burden. Had I negotiated on my own behalf from the beginning, I would not have had all the extra turmoil these past weeks. This company IS HORRIBLE. They present a plan they cannot execute and are impossible to talk to and work with. DO YOURSELF A FAVOR AND DO NOT WORK WITH THIS COMPANY. THEY ARE NOT HERE TO HELP YOU AND ONLY WANT TO MORE MONEY FROM YOU. I also encourage ALL who have been LIED and MANIPULATED by Beyond Finance to file a complaint on the Better Business Bureau - Bbb.org. read more

They have fast talking reps and completely confuse you. Then they tell you one amount to close the account and when you think it's paid off,they claim you owe a different amount. Complete RIP off. read more

STAY AWAY STAY AWAY STAY AWAY STAY AWAY!!!!!!!!I was in the Beyond Finance program for about two years, and during that entire time my creditors remained aggressive. I never received the level of protection or support I was promised. When I hired an attorney, I was advised to instruct Beyond Finance to cease all activity and return the $1,875.00 in my dedicated account, money that was taken directly from my bank account and supposed to be used for settling my debts. Instead of processing the refund, Beyond Finance sent me a copy of the contract(via email)they will not acknowledge nor communicate anything in writing about returning my money, they will only talk over the phone and claim they are keeping the money for fees. Then Joel, I dont know his last name, if I did Id post it, suddenly told me they charge a flat 25% fee on every account they settle, something I was never properly informed about upfront. The lack of transparency, their refusal to provide clear answers in writing were extremely frustrating and disappointing! Based on my experience, I cannot recommend Beyond Finance to anyone looking for honesty or straightforward communication. STAY AWAY, STAY AWAY, STAY AWAY. read more

I withdrew. If you have gotten into a hard situation just be smart and negotiate yourself. I thought I understood the fees up front, what I did not realize was that I would be paying almost the full amount after they had their big percentage on top of the settlement offer. Several months in and they were able to negotiate ONE card. read more

I was assured I would not be sent to collections or have charge-offs, after I read the agreement, so I enrolled in their program based on that assurance. Despite this, my credit report now shows three charge-offs and I am facing a lawsuit. On several occasions I have requested all communication between them and the original creditors showing their attempts to settle the debt but all I get is the payments they made to the collection agencies. With the settlement fees I paid them I might just have paid the original creditor. If I could give them less than one star I would. read more