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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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.

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

Beyond Finance is a well run company that handles credit card debt. We have been with them about a half a year, and so far, it's been a straightforward experience that has reduced our debt payments each month, and we will have paid much less by the time the program is over than if we had stayed the course of paying cc companies their egregious fees. Yes, your credit rating plunges at first, something they tell you in advance will happen, but after you're in the program for a while, that starts to ease up. It's preferable to paying high interest rates that never reduce your debt. It does what it says it's going to do, but some customers have buyer's remorse and wish they hadn't committed to it. That is not the case for us. However, another option for those looking to reduce their debt is a non-profit credit counseling agency. This shouldn't be so hard on your credit score, and you're usually only dealing with one person. read more

I've paid over $60,000 into this program. They have only paid off ONE bill for $494. I paid $681 every two weeks since November of 2023. Now, I'm paying $750 every two weeks. I was told that switching from National debt relief would be a good deal for me, but what they didnt tell me was that I would be paying 25% fees again!! I was with National debt relief for two years. Most of my creditors had at least been contacted and I paid 25% fees on several accounts. Now, they are charging 25% on the same account! They are NOT reducing my amounts by anywhere near 50% AND I have to claim the income on my taxes. I'm LOSING SO MUCH MONEY!!! They told me that if i work here, the fees are waived. So i applied THREE times! I have a degree in finance. I have a degree in business. I was a loan officer, which they state on their website is a great asset. I took the assessment tests three times and could not pass them. I have triggerfinger in my right hand and could not pass the ridiculous fast paced math tests. After spending $200 on a professional resume, the recruitor said... your resume says you're highly proficient on the computer, but you're not and laughed! She was so rude!! Every time i have called employees at this company, I ask them about this test. THEY SAID THEY DIDN'T HAVE TO TAKE IT!!! One girl was 19 years old and dumb as a box of rocks. They hired her. I feel totally discriminated against. This is a nightmare!! Avoid this company!!! read more

I am extremely dissatisfied with this service and deeply regret getting involved with this company. While I understood that my credit score would drop when I enrolled, I did not expect my account to accrue interest far beyond the original credit limit; especially when I had not even owed that full amount. On top of that, the account has now gone into legal action against me. What makes this even more upsetting is that, instead of simply accepting the credit score impact as part of the process, I'm now forced to deal with increased payments to the company because the total amount owed has grown substantially. This entire experience has caused unnecessary stress and financial harm, and it feels as though the company's practices benefit them and not their customers. read more

Please , please don't sign with this company . Ask for advice and read the documents before sign . Call your créditor and try to negociate with them . When you sign with BEYOND you sign it for you finance dead . I signed with beyond with this two debts 4,777.08 And 4,306.63 =$8,981 they were suppose to take 25% for total enrolled Debt $2,270.92 but they keep taking money every month and the fees paying until now are $3,530.20 , besides the 25% they charge hidden fees and you are so desperate when you sign and you don see it . When I saw this immediately I cancel the other credit cards and made arrangements with them and was able to pay they forgive late fees and interest. They only put a small portion to pay your creditor and the rest goes to pay fees . I stuck with them for two years . I do payments for 168.00 dollars every two weeks = 336 monthly * 24 = 8,064 Original debt 8,981 real savings $917 Beyond Finance is the worst desition I ever made read more

SCAM!! SNAKE OIL!!! SCAM!!! Don't fall for it; they charged me $500 and only put $ 200 towards my debt, pocketing $300! They tried giving me the runaround, saying It's their "fee. They will be talking a quarter to half of your debt!!! That's crazy, you might as well handle it yourself and not give money to these goons! These snake oil salesmen will leave you with bad credit and a drained bank account, for what? for them to get nice toys this summer hell no I canceled and I will never go back and I would not recommend my worst enemy to this crap company. The owner Timothy Ho is a sleezy salesmen, who created this snake oil company to steal your money and keep you in the dark at the same time. Please be careful, you might as well call your bank handle it yourself. F.U. Timmy and your snake oil read more

I am new to this program and for me the support I receive from the admins and the other travelers on this journey, is going to be so kimportant to me. I am sure I will be able to extend help myself to other newbies. read more

The best thing to do before signing up with 'Beyond Finance' is to declare bankruptcy. It will save you more money than going with this company. The hidden fees are ridiculous. It took me 6 months to realize the cost of bankruptcy was 90% less than dealing with this 'collection' company. Do the research before listening to the smooth talking of their representatives. Your credit score will drop either way! read more

Was able to get out of my debt within two years and they cut it in half. Everyone was very easy to talk to and help with whatever I needed. I was even able to pay off my debts earlier than expected. Just make sure to read your settlements since they are very transparent on what is to be expected and you can't be blindsided if you read all your documents given to you. read more

This company is a joke. I enrolled $28,000 worth of debt and by the time I paid 19 payments of $257 plus $22,000 one time payment I ended up paying more than my original debt because they eat your money up in fees. I really recommend staying away from this company. It's definitely not worth screwing up your credit like I did. Really think about it before you ever consider this. I promise it's a huge mistake. read more