Beyond Finance

I really appreciate my Rep Sonny's knowledge on the subject matter. I had thought about going this route for a while. If I had managed to find a way to supplement my Social Security income upwards of 6k a year I would have been able to take care of these three cards - at least to pare the balances by 2k each - but that hasn't happened. So at 28% even making double monthly payments bare gets me beyond treading water - and I already was putting upwards of 40% of my entire income into that effort. I hope with Beyond Finance to get free and clear in 24 months. I really believe that is a realistic achievable goal.

I reach out to Beyond Finance and they were very helpful and Polite. When I got off the phone I felt so much relief and stress lifted off my shoulders. They walk me through everything and never one made me feel ashamed. They keep me informed on everything and I can now see light at the end of a dark tunnel. I did great had a good credit score , they all at once lost my husband and my mom in the same week. Had to leave my job to move home with family. So to say I have been through a rough spot is an understatement, but because of Beyond I feel I can get back on my feet. So Thank you all for all your doing and have done this far. This company gave me back my Dignity. if you need help don't wait contact them . They can help you feel so much better.

Beyond Finance is legitimate and a wonderful option for debt relief. I just finished the process of freeing myself from debt of $45k. It cost me just under $700 a month, for 45 months, replacing the $2500 I was faithfully paying each month. I took the credit score ding in exchange for being able to breathe and live again. I followed every step they advised to the letter. Any complainers may not have followed all their advising or did not pay on time or regularly, or just don'tunderstand what is being done on their behalf. I was also chosen to be in a commercial ad for the company and gladly participated without pay because this program REALLY changed my quality of life. Free, at last! Free, at last! Thank you, Beyond Finance!

Well, it's much to early to give a qualified rating. However, so far, I'm please with this process and look forward to have a little change in my pocket. The last company I was working with was getting $260 a month to settle 5 accounts for me. They did absolutely nothing to resolve or reduce my debts. They merely took $4,000.00 from my bank account over a period of roughly 16-17 months. Beyond is taking just under $270.00 to work with 12 creditors of mine. I have one major creditor to deal with - my bank credit card, which I am able to pay off each month. With Beyond's help, I now have extra cash to enjoy life with once again. So, I'm very pleased with what Beyond has made possible for me.

While paying minimum balance, my credit rating went down subtantially and upon a costly divorce involving real estate division, I needed to recover financially avoiding tapping into my 401(k) as in a high tax bracket. Shopping around for loans, I was directed to Beyond Finance and did not hear before about that Debt Resolution program. I used it for 3 credits over a period of 3 years, graduated last month and joined again for two remaining credit card accounts as I was quite pleased with the program. One's situation needs to warrant that form of help, yet I don't have any regrets and where my FICO rating went from 845 to about 550 during that phase, it could recover within a few months once the original creditors are paid. I had very helpful and patient representatives and I feel that Beyond Finance can be a lifesaver if one can qualify.

Very helpful, efficient. Explained everything completely to make sure the requirements and time table were understood.

This company only cares about their bottom line. I have yet to see any 5-star reviews that were written by anyone who has been in the Beyond Finance program for more than a year and is still pleased with their decision to go with this company. Most end up sued by at least one creditor and Beyond Finance calls to demand more money immediately; that's their fix to your debt. I'm sure we all signed up because we could afford to drop a few grand into an account instantly, right?!? When you explain you aren't in a position to pay up, they inform you that your creditor will be able to move forward with further legal action. My last negotiated deal went as far as a court summons before I took matters into my own hands to seek a personal loan from family. Now I assumed more debt to resolve debt that they should have dealt with sooner. They tell you they contact creditors, but they obviously aren't or there would be more potential agreements hitting my inbox on a regular basis. When you tell them your concerns they just use their same 3 teleprompts to address your concern. Do yourself a favor, find a different company because this one is a legal scam.

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.

***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.

Easy to work with, amazing customer service. Our representative was knowledgeable on the subject matter and listened to our concerns. He took the time to answer our questions and followed up with us the next day.

Before I was worried how to pay each of my monthly credit card payment now I only worried one payment each month and low payment . I'm so thankful I found beyond finance. Thank you so much😇

Great experience. They made me feel like there was hope, and that I wasn't alone. Very professional and courteous. I would recommend to anyone drowning in debt. Thank you Beyond!

Had a wonderful first encounter with Beyond Finance

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.

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!

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.

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.

I have been very hesitant about signing up for this my credit score was over 700 just a short time ago and was not keeping my head above water for much longer Steve was very helpful in helping me make this decision so thank you and looking forward to being debt free of credit cards very shortly

I'm new to the program and had several questions, the reps I spoke with answered my questions satisfactorily. I'm still skeptical but trying to stay positive that I won't have a problem with any of my creditors and actually have a debt free ending. I've done debt consolidation loans in the past so this debt relief is new to me.

Well first it started with my contact with jodie and she was absolutely amazing She took care of my needs and answered every question. I had when dwonder if methodically through the program the agreements and everything else involving. This? Transaction and she was just absolutely fantastic to deal with. I you should get more people like her and then I talked with Pam afterwards and she was absolutely amazing. Also they took care of my needs. We're responsive to my needs and very professional about how they handle it. I thank you guys for having these. People on your team job well done

You know.... problems make us blind and we don't want talk or accept our mistake and to admit, " It was my fault! " @Andre was a Angel... smooth, friendly, understanding, and find for me what is the best for US... !!! GOD BLESSING ANDRE!! I really appreciate you talk to me not a client, but like a family needs... this make a big difference. Thank you.