Name: Beyond Finance
Rating: 4.8

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les buchanan

Great assistance, professional personnel who works with you to address your needs and concerns. Very helpful, expeditious service.

4 months ago

Reply from Beyond Finance

Hi Les,

We’re delighted to hear that you had a positive experience with our team! Your recognition of our commitment to addressing your needs and concerns means a lot to us.

— The Client Success Team at Beyond Finance

Oct. 13th, 2025

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Hollie

RUN….This company is definitely out for their own profit! I enrolled over 18 months and only 3 small accounts have been paid and that’s with me calling and giving them more money. I really wished I would have just settled on my own and that exactly what I did. This being after I paid them over 4,000 dollars in fees! This place is legal fraud. Also, if you receive any judgements against you they don’t let you know because you sign over the right for beyond finance to get all the letters! Awful system and worst regret! Do it yourself you will save yourself headache, credit and money. You might even save your credit.

7 months ago

Reply from Beyond Finance

Hi Hollie,

This is simply not true - as our rating indicates, the vast majority of our clients that enroll with us are thrilled with the results of their program the teams at Beyond Finance work to provide.

We want to assure you that we operate on a success-based fee structure. This means we only earn our fees by delivering results that our clients have personally reviewed and accepted. Our commitment is to your financial well-being.

Please know that historically with our clients, only 1-2% of enrolled accounts see any sort of legal action, and our team is dedicated to supporting clients in navigating any situation to continue making progress towards their financial goals.

Additionally, our clients typically see their financial health fully recovered before the end of their program.

We have successfully assisted over 700,000 clients and have an A+ rating from the Better Business Bureau. We encourage you to reach out to our Client Success team at clientsuccess@beyondfinance.com or 800-282-7186 to discuss your experience further. Your satisfaction is important to us.

— Beyond Finance

Jul. 25th, 2025

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paula headrick

Beyond Finance is extremely slow with settling out accounts. I think their negotiation team needs help . When I first signed up for the program, they failed to tell me they did not check all three credit reports as I was told this over the phone with the customer service rep. They only check one. One of my accounts was missed now I have to go to court for this one because they won’t handle the account because it was missed and when they missed something, they blame it on you! After all you go to them for the help and the assistance are supposed to be good so I was told. I’ve had to go to court three times already. My experience definitely has not been great and I don’t wanna take responsibility for what they know they did.. I also had to go to court and negotiate one of my own accounts and they took like $1800 out of my account for their fees for something they didn’t do. This has been my experience.

7 months ago

Reply from Beyond Finance

Hi Paula,

We regret to hear about your experience with your account. Our team is eager to assist you in navigating this situation and to continue making progress towards resolving your financial obligations.

Achieving lasting financial health is a structured journey, and our strategic approach is designed to provide you with the most beneficial outcome, including lower monthly payments and a more comfortable financial situation.

Additionally, please know that we earn nothing unless we have been able to reduce your debt burden. Our fees are success-based and we only receive compensation if we have achieved client approved results.

We would like the opportunity to discuss your experience further. Please reach out to our Client Success team at clientsuccess@beyondfinance.com or 800-282-7186.

— The Client Success Team at Beyond Finance

Jul. 9th, 2025

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Beckie Triggs

This company is horrible. I joined their program over a year ago to try to get out of debt. My credit score was falling because my credit was maxed out. My payment history was perfect. I had never missed a payment with my creditors. The interest rates we killing me. After joining the program, I was instructed to stop all payments to my creditors. I agreed with much hesitation. After a year and over $5000 in payments into this program, only 5 of 7 accounts were considered working in the program. 1 account was paid off, the other 4 of the 5 were set up on payment plans. The remaining 2 accts were unresolved. 2 wks ago, I was served court paperwork. I am now being sued by the 2 unresolved creditors. They offered a payment plan but want it paid in a time frame I now cannot budget. Of over $5k in payments, less than $1k has been paid out to creditors. BF has used the remaining money for their fees. Because of their failure to handle my accounts properly and extremely misleading program, I now feel bankruptcy is my only recourse. This company is predatory and in my opinion should be shut down. With all of the money paid to them for their fees, nothing has been resolved and I am in a far worse position financially. I could have used that money to make my own restructure plan with my creditors. DO NOT USE BEYOND FINANCE!

7 months ago

Reply from Beyond Finance

Hi Beckie,

We want to clarify that the situation you described does not accurately reflect our procedures or the typical client experience. Our strategic timelines are designed to provide the most effective outcomes, including significant savings and reduced stress.

Although some accounts can see legal action, it is unlikely. In fact, though we have worked with thousands of clients in the past, only 1-2% of enrolled accounts have gone into the civil process.

Additionally, we operate on a success-based fee structure, meaning we only earn our fees after delivering results that meet your approval. This approach ensures that our services are both effective and equitable.

Our team is dedicated to client satisfaction and we would like to understand and address your specific concerns. One of our senior team members will reach out to you.

— Beyond Finance

Jul. 8th, 2025

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Monica Maldonado

Our experience with Beyond was the worst mistake we ever made! They tell you they’ll cut your debt in half, but that’s not the full truth. Yes, they may negotiate to settle your debt for less than what you owe, but they also charge you thousands of dollars in fees for that negotiation. As a result, we’re now unable to get any loans or new credit cards. Our credit scores have been severely damaged and marked with delinquencies, and there’s nothing we can do about it. These negative marks will remain on our credit reports for seven years. This was truly the worst financial decision we’ve ever made. Please don’t fall for this trap. If you’re struggling with debt, you’d be better off getting a loan to consolidate your debt into one payment than working with a company that takes your money and ruins your financial life.

8 months ago

Reply from Beyond Finance

Hi Monica,

This is not the experience we aim to provide, nor is it reflective of our principles or the positive outcomes reported by many of our clients. Our team of professionals is committed to providing top-notch service and effective solutions for your debt challenges. The fees you pay are invested in securing the expertise and resources needed to achieve favorable outcomes on your behalf. Remember, our fees are contingent on achieving results that you approve, ensuring that your success is our success.

Please know that our clients typically see their financial health fully recovered before the end of their program.

Our team is dedicated to client satisfaction and we would like to understand and address your specific concerns. Please reach out to our Client Success team at clientsuccess@beyondfinance.com or 800-282-7186.

— Beyond Finance

Jun. 24th, 2025

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Stephen Arnold

I signed up for the debt consolidation program. James B was fantastic to work with. He explained everything to me and worked with me through my debt issues.

8 months ago

Reply from Beyond Finance

Hi Stephen,

Thank you for sharing your wonderful experience! We're happy to hear that James was able to assist you effectively and clarify your options. Our team at Beyond Finance is dedicated to guiding our clients toward financial freedom.

— The Client Success Team at Beyond Finance

Jun. 23rd, 2025

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Katie Stephens

I was very nervous when searching for companies and when taking the phone consultation. Once speaking with Devin and Brandy, I became confident they saw my goals I wanted to achieve and said it was possible. They went over all the questions I had and explained answers to where I could understand and process the choices I was about to commit to.

4 weeks ago

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Fernando Avalos

Great customer service experience, Leslie (Less) W. walked me through the process while providing me with insights and useful information on how to strategize for this point forward and the negotiation they will take on with the creditors.

4 weeks ago

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Leslie Miller

Great service and very helpful staff. Helped a lot.

1 month ago

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sherri geswein

Sam gave me amazing help. I can sleep again at night now.

1 month ago

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Tega Moore

Everything, great service. I would recommend

1 month ago

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Suzanne Kearns

Anthony was very patient, courteous and knoweldgable.

1 month ago

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Jason Broadley

Very happy with their service. Thank you

1 month ago

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Patsy Bryant

New to the process but very encouraged and hopeful.

1 month ago

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Annette Kasselman

I liked the compassion and understanding.

1 month ago

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scott

Simple Easy Process to get you're Debt Resolved!!!

1 month ago

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Andrew and Molly Brown-Dunn

Very patient, efficient, and empathetic.

1 month ago

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Jon Kosciuszko

Very easy to work with very polite representatives

1 month ago

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Troy Randall

Simple to follow. Self navigate. Recommend.

1 month ago

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kaewynrpicard

I felt seen and respected during the process.

1 month ago

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Mamie Garrett

First time so I am hoping I rated right.

1 month ago

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Dianne Lewis

They have been completely understanding & helpful.

1 month ago

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Mary

took the time to explain the program and process

1 month ago

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Jorge Vargas

Very professional, clear on how the process works.

1 month ago

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Douglas Bell

they hired a good representative with my advisor

1 month ago

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Aimee Dent

informative, helpful, compassionate and willing to help.

1 month ago

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Good work!

Very easy to work with and was very understanding of my situation.

1 month ago

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Garnett Houghton

Very professional the whole process was easy

1 month ago

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John P Herbots

So far, I've been encouraged by your representatives, who have taken time to explain the entire process. I also appreciate the emails advising me regarding the auto-pay situations, which I have taken care of. The encouragement has been very positive as I look forward to resolving our credit card situation.

1 year ago

Reply from Beyond Finance

Hi John,

We're thrilled to hear that you've had a positive experience with our team at Beyond Finance! Our representatives are dedicated to ensuring you fully understand the process, and it's wonderful to know that their support has been encouraging for you. Thank you for sharing your thoughts with us. We look forward to continuing this journey together!

— The Client Success Team at Beyond Finance

Jan. 21st, 2025

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Yaumaris Ramirez

Jensen was awesome and help me explaining all through the process making sure the plan picked was the most accurate for me. He was very professional and understood my worries. When I finished the call it was a very nice feeling that I was doing the right thing. I still need to get more experience about the process and get to know how it works as time pass that’s why I give four start review.

1 year ago

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Michael Cruz

This process may start as 'Nerve-Wracking' and tax your patience, but as unnerving as it may appear, the hope and prayers you make clarify the light at the end of this tunnel. With a little luck, you'll stick it out to the end and reach your financial freedom. Thank you to Beyond Finance for helping me get my life back. Amen.

1 year ago

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Kathleen Keith

All the people I dealt with were helpful and understanding. They answered the questions I had at the time and they were willing to answer any questions I have in the future. The program sounds like it will help me get myself in a better situation or atleast I hope so.

1 year ago

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AJ Greff

Andrea was an absolute pleasure to work with. She walked me through the whole thing and explained everything very thoroughly. What a joy to work with someone that actually cares about you and wants to help and get you in a better spot. Thanks again, Andrea.

1 year ago

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Martha Crum

I enjoyed talking to Ryan B. regarding my particular financial situation. He was extremely helpful and patient with me since I had never had dealings with this sort of institution before. I was very leery and nervous about the entire process until Ryan was able to alleviate all my fears and worries. Thank you for your help and assistance.

1 year ago

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Rhonda Browning

My representative was very well educated at her occupation, she was great at explaining the program to me. She was super knowledgeable, and had great manners and patience with me as I tried following everything she was explaining to me.

1 year ago

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Kevin White

It was a great learning experience speaking with Peter C.. He informed me and guided me to what I needed to do to set myself up for my retirement. Hopefully things will go as planned moving forward with Beyond Financial. Thanks

1 year ago

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SE Edwards

Treated with respect and patience to solve my financial issue. I felt embarrassed because I’ve not done a better job managing my finances. That was not a problem my representative found a way to help me feel better. I am very grateful for the assistance provided by Beyond.

1 year ago

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Susan Wiggins

Like the fact I will be out of debt in 4 yrs compared to 6 yrs if I would have done it myself. As always I’m skeptical about these programs I did some research and most of the company’s have good ratings. We will see in 4 yrs to get my credit score back up.

1 year ago

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DLE

The entire process was very easy and painless, and they took steps to ensure I understood exactly what I was signing up for. They were empathetic and supportive. I will update this review in time, if I feel I need to amend my rating, but so far it was a 5-star experience.

1 year ago

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Sonya Richard

I definitely had a great experience with Ms Teal E. and the other team member that I spoke to. They made me feel comfortable with the decision I made to get the help I needed. Explained the entire process to where I could understand.

1 year ago

Reply from Beyond Finance

Hey Sonya,

Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.

—Client Success Team

May. 23rd, 2024

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Sam

Beyond was super helpful, I spoke with a real person and they provided easy content to follow to answer all my questions in one short video. I am really excited to start my debt free life and I have Beyond Finance to thank for that. Thank you!

1 year ago

Reply from Beyond Finance

Hey Sam,

Thanks for the feedback! We want all of our clients to have a great experience with us. We’re happy that our Client Success team gave you the needed support.

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

- Client Success Team at Beyond Finance

May. 8th, 2024

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Mark Moceri

My experience at this point has been limited. I’ve just started and my first payment has been made to beyond. So far, everyone has been courteous, prompt, and helpful. The process has been explained, and I see my first creditor is being addressed as explained. Will see how it works over time. Support materials are also a plus and continue daily

1 year ago

Reply from Beyond Finance

Hey Mark-

Thanks for the feedback! We want all of our clients to have a great experience with us. We’re happy that our Client Success team gave you the support you needed.

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

- Client Success Team at Beyond Finance

Apr. 17th, 2024

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Mike

Beyond Finance’s staff are very professional, courteous, and understanding. They provide excellent reference material and promptly provided “next step” information. Knowing that my Beyond Finance Rep received the same services convinced me that I was with the right company.

1 year ago

Reply from Beyond Finance

Hey Mike-

Thanks for your lovely review! We’re so happy you had such a great experience with our team. We care deeply about helping our clients move toward a brighter financial future with care and kindness. Thanks for choosing Beyond Finance!

—Client Success Team

Mar. 22nd, 2024

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Cheryl Peters Chassell, MI

I was nervous about doing this but, Albert answered all my questions in a very profesional manor and made me feel comfortable. I'm glad I reached out to your company for help & glad I'm on the road to getting my life back in order!

1 year ago

Reply from Beyond Finance

Hey Cheryl-

Thanks for your lovely review! We’re so happy you had such a great experience with our team. We care deeply about helping our clients move toward a brighter financial future with care and kindness. Thanks for choosing Beyond Finance!

—Client Success Team

Mar. 22nd, 2024

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Sharon Weir GA

Just started my experience with Beyond Finance. I’m excited to see they have already started working on my first resolution. I like the prompt notifications. Looking forward to working with them. Hope they don’t disappoint.

1 year ago

Reply from Beyond Finance

Hey Sharon-

Thanks for the feedback! We want all of our clients to have a great experience with us. We’re happy that our Client Success team gave you the support you needed.

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

- Client Success Team at Beyond Finance

Mar. 6th, 2024

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Amy Thomason Las Vegas, NV

Excellent service by Austin, but this 81-year-old's son was concerned and wanted to review your offer to consolidate to be sure this is the correct way to reduce monthly payments and balances owed. If he approves, I will re-start the process.

1 year ago

Reply from Beyond Finance

Hey Amy-

We’re so happy you had such a great experience with our team. We put a lot of work into helping our clients move toward a brighter financial future. Thanks for choosing Beyond Finance!

—Client Success Team

Feb. 27th, 2024

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Stacy K Memphis, TN

Kevin R was extremely helpful and professional handling my debt issues. He explained everything and really made me feel heard regarding my situation. Everyone at Beyond Finance has made the whole process very easy.. I’m very grateful! Having medical issues.. it’s one less thing I’ve got to worry about! Thanks again!!

2 years ago

Reply from Beyond Finance

Hi Kevin-

Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.

—Client Success Team at Beyond Finance

Feb. 20th, 2024

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DawnElizabeth Tucker Wixom, MI

Clarity and the time spent teaching me about how debt, credit cards and credit reports work. Amazed at how easily us consumers can get trapped into a credit card system of unreasonable expectations. I’m so glad there’s a decent sensible way out of paying off debt.

2 years ago

Reply from Beyond Finance

Hi there!

Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.

—Client Success Team at Beyond Finance

Feb. 15th, 2024

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D May Glendale, CA

Excellent customer service and wanted to thank Casey R for her assistance and for walking me through the process. Casey is amazing, helpful and knowledgeable of the system. Her excellent customer service has convinced me to sign up.

2 years ago

Reply from Beyond Finance

Hi Casey-

Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.

—Client Success Team at Beyond Finance

Feb. 15th, 2024

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Jolene Ewing Brooksville, FL

I got overwhelmed with not knowing where to go for help. They reassured me that they were there through the whole process and walked through everything with me. They care about everyone they come in contact with. I cannot say enough about them.

2 years ago

Reply from Beyond Finance

Hi Jolene-

Thanks so much for the feedback and review! We’re thrilled to hear you’ve had a good experience so far. Thank you for choosing Beyond Finance.

—Client Success Team at Beyond Finance

Feb. 2nd, 2024