This company is NOT A GOOD COMPANY This company is NOT A GOOD COMPANY. DO NO TGO THROUGH THEM. They use wording to confuse you all the while they DID NOT, I REPEAT DID NOT contact all of your creditors right away. I paid them on time, and all of my creditors dinged me for non-payment. This company waits to send out any funds and then claims the creditor only wants a minimum amount for months. I paid $595 to Beyond and that amount should have been divided up between all the creditors including their fee. Nope, that's not what happened. I arranged to get them paid off and made all the call to stop the last payment to pay them off. They put me on hold for at least 3 minutes and claimed that the payment was stopped. They DID NOT put any of that in the notes and drew the payment anyway. They DO NOT USE GOOD BUSINESS PRACTISED. Example: When requesting a statement, they send a screen shot claiming that they do not have the means to do statements. When requesting a payoff letter, they claim that they do not have a way of writing one and sent another screen shot. After getting an amount of pay off and they claim that there are no monthly charges, the number of payments left to pay DID NOT MATCH HOW LONG I ACTUALLY SHOULD HAVE. It would take 6 months longer than by calculating the amount and how many months came to. It is worth a small loan cost to get out from under these people. I will make sure my bank blocks any chances of them drawing any further moneys. read more

DO NOT USE BEYOND FINANCE. I paid them bi-weekly for three years and they cancelled my account for missing a payment in 2023 but continued to take my payments for five more months without my knowledge. I even called and made extra payments which they accepted, never telling me my account was closed. They took over $2100.00 out of my account and NEVER made a payment to my creditor. They would still be stealing had my creditor not sent me a letter saying I was being sued. I am now suing them after sending multiple requests for the money they took. My debt is now higher than it was three years ago after allowing them to take over $4,000 from my account. You have choices. Beyond Finance is a scam. read more

So deceptive on fees. They made 1 payment to creditors, and then gave themselves $3,000+. I would NEVER recommend this business!!!!!

When I signed up for this service in September, I thought they would help me out of tens of thousands of dollars in credit card debt that was accumulated after nine months of unemployment. However, this business is a joke. For one of my cards, I was told they needed $2,600, and I was able to pay that back in September with money my uncle gave me. They said it would be approximately 3-6 months to reach a deal on one of my cards. However, fast-forward to March, no deal has been reached. They said the deal was rejected because they needed more payments. Huh?! It seems like they just keep moving the goal posts further and further so they can collect more money off of you while your credit dwindles. I ended up withdrawing my money and disenrolling my card while working out a deal directly with my credit card company. I would suggest going this route instead of working with this company. Your credit score will thank you for it! read more

I highly suggest to those who have debtors/creditor issues to stay far away from this company as you possibly can and seek credit consolidation counseling, elsewhere. This is an unethical unprofessional company that could cause you more harm than good to your financial situation. Here, I signed up for a supposed credit consolidation program that would resolve all my creditor issues including those pending legal proceedings. The whole purpose of coming to this company was to have anyone besides myself or an attorney address these creditors and settle the debts I have. But I was enrolled under the false pretense that this was something they did and paid my monthly dues for over 6 months. Then came the dishonesty from this company after such time passed last month. Where I was then notified that these creditors would be removed from my program because of the negligence of their own employee. Because of the actions of their employee enrolling debt he wasn't suppose to led to this imploding in my face. And you would think that because they failed on their part that they would have some ability to provide customer service in remediating the issue They caused but to no avail they Provided no recourse no solution and continued to pass along the problem from one fake supervisor to another. Seems very illegitimate and dishonest to act like every time you call the client communication number you're dealing with a supervisor. The consumer comes to such a business to obviously have debt issues resolved and settled because they can't do it themselves and to have been mislead by such misrepresentations and be penalized as the client is extremely unacceptable and just inherently a bad business to do such transactions with. Which are life altering, extremity urgent important matters of an individual life and the games this company played with my credit is an absolute travesty. And I highly suggest to those who read this avoid this company at all cost and do your due diligence when finding the right credit consolidation company to settle your debts with because It could literally change your life for the better or worse and what these people did was the latter. And I do want to say that I was happy with the company and the ability to achieve the success in settling the other debts I needed to consolidate. But the whole purpose was to have them resolve the ones pending legal proceedings. But it's a company policy that they don't take on such debts that have already taken on the legal proceedings, but I still have yet to understand or receive an answer as to why this employee of this company did so and why it wasn't for almost 6 month this wasn't brought to my attention. Absolutely ridiculous and unacceptable. Highly NOT recommend. read more

***DO NOT USE BEYOND FINANCE*** This company is incredibly deceptive! I started with a phone call to them because I read the great reviews online and I needed help with my debts. I had $26k in debts that I owed. Beyond Finance made it sound like a miracle that they could reduce my debts by about HALF, which is semi-true.... But you end up paying WAY more because of their fees, which they try to confuse you about and pressure you to sign the agreement as soon as possible so you can have less stress.. I paid almost $5k into my dedicated savings account during the first year and only $1300 of my debts were paid. Where did the rest of the money go??... FEES from Beyond Finance!! They take 25% of your ORIGINAL debt amount PLUS add an annual fee of 6.25%! (My agreement was over 5 years, so 6.25% of $26k x 5 years! You end up basically paying the same amount you would have to your creditors (or maybe even more) PLUS they only paid off ONE of my creditors accounts at $600 during that entire first year! So my credit went from a 750-780 all the way down to 400 PLUS added late fees, which increased my balances. This company makes you feel like they are doing such a good thing for you, when really they are pocketing your funds over and over for exorbitant fee amounts and you basically have nothing left unless you keep making the monthly payments and just hope that it will go to a creditor and not BF's pockets. I am sick to my stomach that I was taken for granted as a single mother who was recently diagnosed with M.S. after taking the Covid vaccine and being unable to work temporarily put me in a difficult financial position. Do NOT sign up with Beyond Finance!! You WILL regret it! They claim that their agreements are transparent, but they absolutely deceived me and so many others... Do your research and look them up under "Beyond Finance complaints" and you will find many people who have suffered HUGE losses financially, credit-wise and end up in a much worse position. Please be aware of these scams. read more

Beyond Finance - Letter to request cancellation and refund for excessive fee withdrawals. - Financial Advising Near Me - Chicago, Illinois

Never work with them!!! If you pay little to them, the process will drag on for a long time and you will pay more in the end. Call the bank yourself and they will help you. read more

I wish I had read reviews a little closer, ahead of time. Do NOT NOT NOT sign up with this company. I was told a line of B.S. that sounded right at my weakest financial moment. I had no other options. I was fine with the credit score drop, it was in-evadible. I don't even know where to start. While they did settle 3 of my 14 accounts, I ended up paying more than I owed. You will be taxed the difference of what they settle for and you will pay 25% on top. I understood all of this ahead of time but, in hind-site, everything really adds up. I have now been sued by 2 creditors. I have spent a LOT of my time in court and missing work. Beyond has given me horrible advice in dealing with this nightmare, but I do understand they cannot give legal advice. For obvious reasons, I cannot afford a lawyer and had no clue things would be pushed this far. I also got a different set of directions depending on who I get on the other end. Want to talk to someone you have in the past felt comfortable with? Good luck. They don't have extension lines. At 1 point I was actually told I could ignore a court order. My gut said that didn't sound right and I called back. The next person I talked to said "do NOT ignore that court order". My recent settlement got so out of control I was talking to a supervisor directly (that I had to fight to get transferred to, every call). I had gotten so sick of explaining myself every time I called. I had been making payments on an account for 4 months and got sued, during this time. I was sent and told to sign a settlement offer from the lawyers (that came to me through Beyond) which was filed with the court. I now owed the full amount, within 14 days of the court judgement, paid in full. I questioned signing the offer from the beginning and was told it was fine. This was now a far cry from the monthly payments I was making and now had a ticking clock to come up with money I don't have. After over a week of calling Beyond and my issue being "escalated" I was getting no answers from anyone and running out of time to obey the court order. They just kept telling me they escalated it and to wait until someone from their legal team dealt with it. The lawyers office wouldn't even talk to me as Beyond was my legal representative, so I couldn't even talk to them for an explination. The "supervisor" that had been dealing with me directly just stopped taking transfers from me when I called. I feel like I was just left to fend for myself against lawyers and the courts. I just got myself out of the program. They did get my biggest accounts out of the way first, but I am now wondering if that was to get the biggest fees paid first. I haven't saved ANY money to this point. They will also drain any/all remaining money in your account to take their fee and drag their feet with any further negotiations. I also feel like they weren't negotiating at all until I was sued. I still haven't heard a thing from the other accounts they were "negotiating" with and i've been paying in the program for about 16 months now. I was under the impression they would be negotiating with everyone not 1 at a time, after they got paid off. This experience has shown me that things that sound too good to be true, are. They made the most stressful segment of my life, exponentially worse. read more

They offered to help my daughter consolidate her debt. They take money bi-weekly and put into an account but never distribute that money to the accounts shes trying to pay off. As a result, OneAZ credit union closed my accounts and took the money that my daughter owed because my wife was a co-signer. Stay away from Beyond Finance. They will cause more problems than they solve. read more

DONT USE THEM!!! I have been getting scammed by them since covid .All they do is take your money and they don't even call you. Worst service ever. read more

I was blessed to find beyond finance. I was struggling badly to keep my head above the water because of the debt I had. It did not happen overnight, but being patient, listening and working the program I have now paid off my creditors and can finally breath and enjoy life! Nick C. read more

Terribly dishonest about fees. Settled only 4 of 10 accounts before I had to request a refund and terminate because balances kept increasing. Also I was sued and had to hire an attorney and they did nothing to help. I was ultimately refunded $179 of the $1079 I had in the dedicated account after telling several different amounts. Its a very unethical business. They should be sued. read more

She was very informative and explained everything throughly I had spoken to other companies but she was so patient and understanding read more

SO to save you some time - if you are smarter than me and have decided to look up reviews other than the paid ones. All the 1 star reviews are 100% accurate. Look I literally did not need to do this program. I was not hurting. I just thought it would help because the 2 Credit cards (less then 15k between the two them) I had were no longer needed and my credit was down anyway due to college closure lawsuits. I did notify the sales agent of all the perimeters prior to becoming a client and they still brought me on (strike one). I did everything right - paid upfront with a lot of the money requested - also made big payments to finalize the accounts. For the first few months I was paying them and the cards payment until I was instructed to stop because I was making negotiations harder for them. Go figure. (Through all this time maybe 12 months guess what fell off my credit.. SCHOOL) So now those missed payments from this hurt quite a bit more and close to being equal to bankruptcy in most creditors eyes meaning getting it off of your report wall take time and more MONEY Also what they tell you THEY have saved you at the end is based off of the number calculated of all accounts totaled AFTER you have received your late payments extra sur-interest charges while simultansouly tanking your credit. By the end of it they were happy boasting about the $4500 they saved me and this becomes strike two. I call them 4 weeks after everything is done and Im like "hey I paid a-lot of it upfront and kind of expect something back as a return seeing as I finished the "program" months early like many months. Yet surprise surprise no refund. Most would fight it but I said dont care BUT heres where the strike comes in I ask the agent "So im not receiving anything else RIGHT? nothings coming in the mail? I CAN CLOSE MY BOOK ON YALL FOR 2024?" they answer Yes Sir (Strike three on the way) Excellent so 8 months go by Im in a new house Happy new life One of the biggest regrets of my life is over right???? NAAAAA 3 DAYs after I file my taxes were talking MARCH early April I get a fun surprise I get a letter from Chase reporting a 1099??!?!?!? essentially saying I saved $2500 in total from the debt consolidation - thats from the creditors point of view (proves they inflate there results) and It needs to be reported to the IRS something they also did not mention in the beginning or when I CALLED THEM TO SEE IF SOMETHING LIKE THIS WAS GOING TO SHOW UP. So when you add in the cost of filing the amendment and the overall charge that came with that from the IRS - $361 and the money I will have to spend to repair my credit that would not have been hurt had I stayed away from this program on top of the APR rates that will be higher now for any credit app I ended up losing money!!!!!! Working with this company is one of the biggest regrets I hold. They are now the a main smudge on my record and I didnt even need to hire them. If you have less then 20k in CC debt - save your money - go to a financial advisor - come up with a plan. You will be thankful a year later. If you have less then 15k debt - go on YouTube you'll get better advice and guidance for your situation because you dont need this program If you have over 25k - I believe the best bet is a loan or bankruptcy Whatever your situation I assure you this is your sign that this IS NOT A GOOD SOLUTION The other 1 star reviews truly trouble me - they are doing this to everybody and hurting peoples futures - This is my first yelp review ever and Im almost 30 if that shows you anything. read more

DO NOT use BEYOND FINANCE. You will be better off going through Consumer Credit Counseling in your area, or even negotiating with the credit card company themselves. Use a company that has .org behind their site name. Be careful if your are surfing. Companies like these pay to have their site pull up first. BEYOND FINANCE fees are outrageous, and they pay themselves first, before they pay the debt. They say they are going to contact the companies and negotiate, but they only do that if you deposit enough money in your "account" and only when they feel they have enough money to settle. In my case they let 2 of my credit accounts go into collections, and one of them sued me for breech of contract. IF they called them like they said they would, to let them know money was coming, that probably would not have ended that way. They said don't talk to the credit card company, they will handle all negotiations....they say it's tactic so that when they do call, the company will then be willing to settle for less than what is owed. What they are really telling you, is don't talk to your credit card company because you can do the exact same thing they are charging you for. I wish I would have read some of the YELP experiences. If I did, I would not have contacted them. I can relate to all of them. They're smooth talkers. Don't fall for it. The people you can talk to, only reply using their 'script'. I gave them one star only because they did end up paying my debt. The frustration was not worth it. read more

First. Please do yourself a favor when reading the good reviews and ask yourself if normal, every day people actually talk like that. I promise those aren't customers. I had the exact same experience as many others. Right down to the EXACT same story from the lady who signed me up as at least 4 people sharing their experiences elsewhere. Wouldn't you know, she was a single mom with worse debt than mine(told after she had my info and could see what I owed). She used this company and within 2 years she was free. It changed her life so much that she had to work for them because she just knew she wanted to help other people escape the horrible greedy credit card companies and how cruel they are for offering people payments, trapping them in this loop. Within 6 months I would have so many debts gone because they work so closely with them, they are like buddy companies, and would settle for half. Or less!! What a coincidence, EVERY SINGLE company I owed was a company that WORKED so CLOSE with beyond finance and wouldn't sue anyone in the program. They didn't settle a single debt, but they also didn't return a single penny to me when I finally canceled. I asked why they kept my money when they didn't do anything I got told nobody works for free. (oh, that super friendly, understanding attitude is gone the moment they think you are locked in.) I canceled when I got 2 notices that I was going to be sued and no help, when I called the companies they said they absolutely do NOT work with Beyond Finance or accept their offers. Beyond got me when I was frantic and desperate, right after I had a baby with an unknown birth defect and extremely high needs, requiring neurosurgery at 2 months old. I was unable to return to work as planned, spinning and drowning in debt. The thing is, before I fell for their scam, I was doing so much better just talking to the credit card companies as they called me and explaining the situation.even chase, who had no interest in helping me, was much better off when they were interacting with me and not these thieves. Don't make the same mistake this anxiety ridden, sleep deprived, desperate mom made on the phone in the middle of the night. I wish I had just filed for bankruptcy back then. The people who work for this company laugh all the way to the bank to withdraw the money they swindled from people who are already at rock bottom. read more

This is the absolute best and most truthful company I have ever used. I see complaints on here and they are all things they did not understand and the company told us how it worked. They said we had to follow the plan (in which I did) exactly or it would mess things up. I followed all of the directions and they helped me to resolve all of my debt in less than 2 years. I was going to have to sell my home if I could not get all of this under control! BEYOND FINANCE SAVED MY FAMILY'S WAY OF LIFE!!!!! read more

I'm currently with Beyond and am going to cancel my account. The program not only takes longer than my states current debt statute of limitations but they have taken much more than the 25% fee/charge stated in the agreement. I signed October 2022, first payment of $164.69 started November and continues as of June 2025. I had 5 accounts signed up and to date only 3 are part of the program. As of June 2025 2 accounts are now resolved and 1 is still being paid on. I have paid in $5270.08 and the total amount paid on all accounts to date is $3027.36 so the balance 'would' be $2242.72...but my balance is $49.92. So, it looks more like they're taking roughly 42%. If I continue to stay with them, the remaining accounts they have staggered to drag this out to continue to get paid. I also felt misled when I began with them. I was looking for debt consolidation and repair and their sales sold it as such. It damaged my credit so much more than was necessary by requiring that all payments and communication/negotiations stop. So then you just cold turkey the company and stop paying and ignore all of their attempts of helping you. Then after 6 months or so the company closes the debt and you ave all those missed payments now on your credit report. This is the worst business model that preys on fear and panic to give false reassurance and hope while making your situation that much worse than it was all for their profit. It should avoided at all cost. ​ read more

If I could do a -5 stars I would. Probably the worst company in the world for Debt settlement. They charge you so many fees that by the time the money goes in your dedicated account there is nothing left. They will not call any of your credit card companies until they are at least 120 days late and by that time your account is charged off and sent to collections and your credit is below 600. In 6 months they negotiated 3 accounts and I paid them off. I will be calling my lawyer as I canceled with them today and asked for all the money in my dedicated account to be sent back to me. They did but they took out all their stupid fees first which left me with $20. These companies don't care about you or your credit. They are in it for themselves and could give 2 shits about you or why your doing a debt settlement. I'm telling you call your credit card companies yourself they will work with you. I called all of mine today and cut everything down to more than half of what I owe. read more

Do not do business with beyond finance. They started with three small credit card cases and ignored my biggest debt from my loan at bank. The bank was aggressive from start. I sent them letters from my bank sent immediately to beyond. Beyond never contacted them in 3 months to even inform them I was enrolled. I was now served a civil case and now owe $$5000 more debt. Before I came to beyond I had 15 years perfect payment history and 10 points away from perfect credit. I only came here to reduce some interest and lower my monthly payments. Beyond waited until this debt got to court before contacting my bank for very first time than beyond proceeding telling me that I had to them add an additional $500 into my account to cover the amount I needed to get rid of my debt now because it got to far and creditor is now aggressive. my bank was aggressive from the start and beyond never contacted them till I served court papers. Now what I worked so hard for for 15 years,beyond took away from me in 4 months. Because it's in courts hands I will never be able to have anything nice again. I will never be able to get loan at a bank,even a loan company won't give me anything again. Before beyond I could have went into any car dealership and walked out with a car. Because of them I will never have anything. They destroyed my life. Unless you have a bunch of money to put into this account and don't mind surprise payments showing up than go for it. It's all a scam. I'm thinking of looking into an attorney. They did not do their job. They deliberately did not inform my bank that I was enrolled in the program. Beyond ignored them completely. So an attorney is what I need. Also will be calling the BBB as well. So because of beyond I am in a worse position then I was before. My credit rating is shattered,my 15 years of perfect payments,and 10 points away from perfect credit score. I was in a DV situation and all I wanted was to get my monthly payments lowered. In four months they destroyed everything I worked so hard for. They knew I was on disability and took advantage of that. And that's what hurts the most. I'm on disability and I still made sure all those 15 years I struggled so hard so I could maybe once I got this all fixed and with my great new start I finally can get a nice car I deserve. Well beyond made sure that will now never happen. DO NOT DO BUSINESS WITH THESE PEOPLE. they do not work for you. They make you think they are but they will get you and destroy you. read more

They are not as transparent as they explain and I believe I would have been better off resolving my debt without them would cancel the program IF I knew I could get all my money back as I was told I could without losing anything but its too late I am just thankful I ONLY decided to process the two debts holding up my credit score with them and not more debt accounts because even though I haven't even been with them 3 months yet I am so over their shenanigans. I am so upset I am dedicating the entire time until my accounts are resolved or someone higher up in BF makes this right to getting the word out about them via FB, Instagram, Twitter, every blog, every review board etc. Signing up is not complicated but it does take a long time by the time you get setup you cannot even remember everything that has been said but don't worry per their repeated statements: "The information regarding this can be found in your signed Enrollment Agreement, as well as in the supplemental materials supplied to you during your enrollment." The biggest thing is their 25% fee and 2 random fees that vary I assume based on your enrolled debt. It was explained to me that everything was coming out of the bi-monthly payment totaling $320 a month. No service fee or maintenance fee was ever mentioned. The 25% part is even worse because I was unaware of it but to make matters worse I inquired about it and after talking to the 2nd customer service rep I learned the 25% is not based on the resolution offer (That allegedly saves you 40-50% or greater) It's based on the original debt amount. Think about it you have 100k in debt. They "say" they cut it by 50% so now you owe 50K amazing right? Well, no they immediately after first payment to that creditor (For me the very next day) they schedule their payments based off initial debt so now you owe 75K on top of at least 2 unknown monthly fees until you get it paid in full. They don't care once they get you enrolled. I do find it a bit interesting why I started with 2 accounts one of $5200 ish and one account of 13K. They got the offer for the bigger one first and the little one I haven't been offered yet. You would think they would knock the smaller one out first to get my credit rolling. I felt great until I got the first offer for the bigger account which made me ask questions and found out they are doing what they need to suit them and them only. The first payment to my creditor is the 27th of $185 guess what happens on the 28th? LOL good old beyond finance is trying to hit the account for $1612 then again the following month on $1208 for that one creditor. They make you feel like they are all here for you, working for you, but they are simply not. You are not priority the money you are trying to invest in getting your life on track is. I have been making double, triple, even quadruple payments and the fees are holding me back I would have been better off doing this by myself. They have completely mastered the art of Scamming, LEGALLY-ish. Just run for your life and I will continue spreading the word!! read more

Beyond Finance - Financial Advising Near Me - Chicago, Illinois

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I feel a weight off my shoulders. Just giving minimum payments was making me ill. Knowing it would take forever to get out of debt. Mr. Wood from Beyond was very kind and listened to everything I had to say and answered every question,sometimes even more than once. He was patient and thorough through out the process. I am at the beginning of the program but feel I am in good hands. read more

Representatives were knowledgeable and helpful. They were quick to answer all my questions. Approval was given in my first phone call.

They are a bunch of crooks do not use this business to consolidate anything!!! They have taken over 20k from my parents and keep telling them they have paid off their debt and then call them back and tell them they owe more money! Do not use this company at all!!! read more

Do yourself a favor and work out the debts yourself or hire an actual attorney. It would save you a lot a money and aggravation. This company is only good for people who really don't want to deal with their debts and don't mind sending money hand over fist to get it taken care of. I started with the program July 2023 because they promised that they will get everything taken care of and sent me something showing how they can negotiate my debt down to almost half. In this year I have been in court almost every other month. When I try to call to get some direction or what's going on I get no real answer. I even had one of their reps argue with me because I didn't want to sign a settlement agreement that grants the debtor a judgement upfront. His explanation was that most of these agreements require a judgement upfront, which I know they don't require that and also why would I sign something that would leave a negative mark for years after the debt is paid off. Recently it became clear why they are so pushy to get me to sign these settlements even if they are not beneficial to you and it's because they charge you a fee of 25% of the settled for amount. So let's talk math for a second...with their fee schedule if you have a debt that is $2700 and they get a settlement agreement for $2300 they're going to send you this big ole email saying that they saved you $400 on a settlement (congrats YAYY ME!!!) but they fail to put in that email that they are going to charge you a fee of $575. So not only are you still paying the $2700 but also an additional $175, for them doing something I could've probably negotiated better myself. When I finally discovered all of this it started with Beyond calling to tell me that I had a settlement offer and they needed for me to make an additional deposit of almost $1300. I was put under the impression that this was to pay it in full. I didn't have the money right off hand, but I managed to get it together and send it. A couple of months go by and there's no additional closed accounts, but the money is gone. I called Beyond and explained the situation and they told me that the money was used to pay their $798 fee for a settlement they completed. Even after explaining that I was told that this was for a settlement not a fee all they would say is that it's in the contract. I know the contract and it states that fees will be paid in small increments that fit within my monthly payment. So after speaking to the rude reps and even more rude supervisor Beyond has basically admitted to thinking it's ok to call people, who are struggling already, for additional deposits under the guise of account settlement but are really using it to pay their fee...all while I'm being dragged in and out of court for accounts they claim to have been working on for over a year. And BIG SURPRISE they won't correct it, even though they admitted to having recordings of the call where I was told it was to settle an account and I have copies of the transactions show they used the money for their fee and not to settle an account. Do yourself a favor, pull your head out of the sand and handle it yourself. Don't waste time and money like I did. They take advantage of people. read more

If they approached you for debt resolution run the other way. What they don't tell you and aren't clear on is that they charge you a 25% transaction fee on each settlement account. I had a Discover account of $7,500, they collected over $1600 from me over the course of a few months. They settled my Discover account for 5700 but took a $1, 640 "settlement fee". Expected me to stay in the program and continue to let them take 25% per settlement over the course of the next 4 years. Sorry but simple math tells me I'm not saving a dime. I'd be better renegotiating settlements with creditors myself if I really want to save money. Total fraud with hidden agendas and not upfront about exactly what they're charging you until it's too late. Trust and believe I will trash them on every single platform I can find repeatedly and filing complaints with BBB, consumer affairs and any other business related platform non-stop until I get my $1,600 back that they rip me off for read more

DO NOT USE THIS COMPANY FOR DEBT RESOLUTION---THEY ARE A BIG SCAM ESPECIALLY FOR SENIOR CITIZENS!!! I signed up for this service in January 23, 2023 with $15,000 in credit card debt with 15 accounts. They are collecting $250 a month from me and placed into an account to payoff your credit card debts once they are negotiated. I have instructed them to start with my large balances but they did not! Instead, they have only negotiated ONLY one SMALL account with 2 pending approval. It has been like that for 9 months so basically they are getting paid my money and not settling my debts. THEY ARETHE BIGGEST RIP-OFFS!!! read more

I didn't know what to do. I was swimming in debt. I was literally drowning then I found Beyond Finance. I called not knowing what to expect and what they would think of me and my situation. My team member at Beyond was Bryan. He was amazing. He put me at ease. He fully explained the process of debt relief and what I could expect. He told me the game plan to help me out of my situation all without making me feel bad. He gave me hope and a light at the end of my dark tunnel. He explained everything in the process clearly and thoroughly and even when the call ended and I had another question he answered my email with charm and grace. Beyond Finance has been a beacon of hope for me and I fully recommend them to anyone who is swimming upstream in debt. They will do right by you and put you on the path to success. read more

I spent over 8 grand to pay of debts. Most of it went to the Beyond Finance in the form of "settlement fee's" and not to the debt owed. Also, they didn't deal with all the creditors in the beginning. 3 creditors were taking me to court. Withdrew after almost 2 years. Wish I would have figure it out sooner. read more

Hidden fees are too high. It takes too long to settle dept. They say to stop paying creditors which crashes your credit then the settlement gives a letter of settled for less than owed not a zero balance zero past due comment on your credit report. read more

Do not use this company to help settle your debt. When I was signing up with this program, they made it sound like they care and want to help you get out of debt. I just recently signed up for this program in Sept 2024. I was told the higher payments I made, the quicker I can get out of of debt and be done with the program. It's been a few months and I just recently checked my dedicated account balance to see how things are going since I just had my first negotiated settlement. I noticed that $4k was withdrawn and it didn't go to my settlement. I called beyond finance to see what is going on with that withdrawal. They informed me that that the $4k is for their fees for settling the account. It made me think, that the company makes sure they get paid before they help their customers. Instead of them taking their fees in installment plans like their settlement plans, they take their fees in a lump sum so they make sure they are paid instead of negotiating another account for me. I even explained that they could have negotiated 2 accounts with that $4k and still could have taken their fees in installments from the first one. It makes me furious having to figure this out and they aren't helping you get out of debt what so ever. They say they will cut your debt in half but the half that they are "saving" you is going in their pockets for their fees. read more

STAY AWAY FROM BEYOND FINANCE!!!!!!! I ended up pretty much in just as much debt as I started because of their fees. They make it sound like they are going to do so much for you and within 4 years you will be debt free. What a joke. I put in over $4,700 in a year and a half and all but $701 was put in their pockets for fees. The $701 dollars were paid to 3 of my creditors in a year and a half. I discovered they were paying only a $1 per month to one of them. Who in their right mind would do that??? One of the creditors hadn't even been paid anything at all in the whole year and a half I was with them, and now I was getting threats from Beyond that I was going to be taken to court if I didn't come up with $4,000 up front to add to my account to pay for the creditor they had been neglecting for the past one and half years. The creditor was wanting money, and rightly so, but if the money I had paid in had been used what I thought it was being used for, then they would have been paid something. It would have taken me many years to pay off my debt if I had stayed with them. They lie and when you corner them they just go in circles with answers. I finally caught on to what they were doing, so I quit immediately. They will try to sugar coat everything and try to convince you to stay if you are with them, but don't listen. I have called all my creditors since, and they have been understanding. They have heard other complaints against Beyond Finance from other clients who found themselves in the same situation I was in. So my advice is to call your creditors yourself and explain your struggles, and most likely they will work with you one on one. Just please save your money and don't get involved with Beyond. In my opinion they are fraudulent. They pay themselves first, and if there is anything left over, your creditors will get the crumbs. read more

I will never work with BF again. I joined them in Jan 2023 and gave them the list of creditors that we would be working with. One of the creditors had a high balance of over 8K. They should of worked with this creditor first before settling other creditors. After months in the program, I was notified by the city that I was being sued by the creditor. I contacted BF and they sent the info to the legal department. The legal department gave me paperwork to go to the courthouse and give to them. After months with working with both creditor and BF, I was told something different. BF told me that they sent POA to the creditor and the creditor (collection Manager) advised me that no paperwork was even sent. BF advised me it was sent several times. NOPE! After being with BF for almost a year, we had to quit BF and file a Chapter 13. Some of BF reps were very ignorant when speaking to them. I feel BF has POOR CUSTOMER SERVICE and is not out to helping their clients. They just want the money for all their fees. read more

This company is supposed to be a debt resolution program. But they pick and choose which debts to resolve in the order that makes them the most money. I loaded a large amount of money into my account with them, and told them which debts to settle in a certain order of importance. In stead they chose the order in which they made the most money, just like a bank will over draw your account with the highest check first to insure all the small checks bounce too. They supposedly record all conversations but they still ignored my instructions to pay which debt in which order. This caused my escrow to fall out and the purchase of my home to fail. WARNING DO NOT USE THIS COMPANY they are a rip off. read more

I DO NOT RECOMMEND THIS COMPANY. PLEASE READ FULL REVIEW. This company promised to cut my debt payments in half, from around $1360 to $750. It did just that, for the first 9 months. While this process was underway it destroyed my credit. This was mentioned up front, so I'll give them that. But they only pay your debt to the creditors in order from which they settle. The first company that excepted negotiations gets the payments I make. Another company wanted their money at the same time and was going to take me to court. Their solution (Beyond Finance) was to DOUBLE my monthly payments. So the agreed $750 jumped to $1500, they also wanted to start immediately. So I'm now paying $140 more than I was and my credit score went from almost 775 to 500. I couldn't make the immediate increase so they pushed it back a month. So I have to pay $2250 in one month. I'm now working 7 days a week. This seems perfectly fine to them since we agreed to a term of 5 years for payments, now it's 3.5 years since I'm paying double. Does that sound like a good deal? Could you afford that drastic change? I DO NOT RECOMMEND THIS COMPANY. read more

I was enrolled in Beyond Finances program since January 10, 2023. As of November 28, 2023, I have paid Beyond Finance $4,793.65 and have received absolutely NO debt resolves, at that time, I canceled my enrollment. I have several complaints with Beyond Finance and voiced them through emails that went unanswered and ignored on at least 3 different occasions. A customer service representatives took my two CreditOne accounts off the payment list without my knowledge nor approval. This caused BOTH account to double in balance owed, which is apparently now my responsibility to pay the additional cost because of Beyond Finance's mistake. There is also the issue with another creditor, Baton Rouge Financial, who Beyond Finance has claimed that Baton Rouge Finance is not communicating with them. I received a text message from Baton Rouge Financial on November 22, 2023 stating that Beyond Finance has NEVER reached out to them. They have even tried to contact Beyond Finance. I have attached, again, screenshots of the last communications from Baton Rouge Finance that I already emailed to Beyond Finance. I have even requested that Beyond Finance pay off my smaller creditors, USAA and the two CreditOne companies. Beyond Finance has refused to honor my request. A total of $4,793.65 was paid to Beyond Finance yest they state they have an agreement with a 3rd party for service fees for negotiating my debt, yet at no time did Beyond Finance do anything other than breach our contract. I am now supposed to sit back and allow Beyond Finance to keep the money that I paid even though services were never rendered. The $277.70 that Beyond Finance is refusing to refund me is the difference for me in paying a bill or getting groceries. As a 100% disabled veteran on a fixed income, that's a lot of money. read more