Beyond Finance

So far I'm happy!! Hoping this is going to be the right choice . Getting myself out of debt with the help from the staff here is what I need. Will wright another review once things get rolling !!

I signed up with Beyond Finance due to their good rating with the Better Business Bureau. Their fees are 25% of the original debt, so if they resolve an account for 50% of the original debt, their fees reduce the savings by half. That is, if you have an account balance of $10,000 and they settle it for $5,000 they claim they saved you $5,000. However, you have to pay them 25% of the original debt. Twenty-five % of $10,000 is $2,500. You wind up paying $7,500 as opposed to the $5,000. If you are paying a 20% interest rate, the savings will be increased by the reduction in interest payments. In my situation, I found the only real benefit was that I no longer had to deal with threats and harassment from the less ethical credit card companies.

Friendly, professional and knowledgeable!

Steve and Gary were very helpful and answered all questions

Joel was extremely kind and patient with me explaining everything and made me feel comfortable

I liked how easy the process was and how understanding they were when helping me out. Never made me feel bad.

Philip was great. Explained everything to me. And customer service has been wonderful in answering my questions

They are very friendly and willing to make sure to do whatever it takes to help get you out of debt with little to no stress at all!

The initial conversation with Diana was great and we found the experience reassuring. We are still in the early days of the process, but so far we are satisfied.

Justin W was very professional and walked me thru every step of the debt relief program at the same time understanding my current debt load and criteria.

DO NOT USE BEYOND FINANCE. THESE OTHER REVIEWS ARE FAKE. Beyond Finance charges you so much in hidden fees that you end up paying more than what you owe creditors; A LOT more. When you demand an explanation, they just give yo the run around and never resolve. You are so much better off paying the creditor directly or filing for bankruptcy. They constantly just look for ways to charge you extra hidden fees and add 6-12 months of more payments beyond what you owe intentionally tricking you. Also, if you sign up for their program, you will wreck your credit no matter what and still expect to get sued. Beyond Finance is BEYOND THE WORST debt settlement program.

DO NOT USE THIS COMPANY! I have been working with them for over a year. They will take your money and make all these promises that they are unable to keep. I was told that within a few months if I continue to make payments online, I would be able to join the accelerator program to graduate a lot earlier. Well I was offered a loan where I had to pay DOUBLE THE AMOUNT of my dedicated account funds monthly to enter the program, which makes no sense since the reason why I'm in the program is because I CAN'T AFFORD TO MAKE PAYMENTS. Also, I now have creditors suing me and I'm afraid that my wages and property will be garnished. Also, my credit is TRASH. I was better off making a minimum payment than entering this program. These people are taking advantage of people who are desperate for help. I broke down today because I was served papers in front of my child and when I called to get advice, I was told to send the documents to their team, but I will have to handle the lawsuit because they don't have legal representation. I'M SO PISSED. Now I'm stuck with bad credit, outstanding credit card debt due to high-interest fees and lawsuits.

I just started my journey with this credit. Consolidation company so 3 stars at the beginning. I still have a long ways to go hopefully. They'll be able to get me back to where I need to be far as my finances speaking with the representatives. They were very nice well. Of course stay tuned and will see what happens.

I am so beyond frustrated with this company. I was seeking options that were not bankruptcy and came across Beyond. I feel as though it has turned into, if it’s too good to be true, it probably is. When I first started the program, accounts were being settled fairly quickly and I could start to see the light at the end of the tunnel on paying off debt as I am trying to put this behind me so that I can move forward with life. Last week I was under the impression that I was ready to graduate early as I gave this company every cent needed to pay off my remaining accounts and get my last account into settlement. I received a notification of my final account being settled, then with no communication whatsoever, apparently the creditor cancelled the settlement and this was not communicated to me at all by Beyond. I am so incredibly disappointed in the lack of communication from this company regarding my account and when IMPORTANT things like these happen. I honestly think that they are dragging their feet on settling this last account as a way to continue collecting money from me and NOT get me out of debt. Whenever I call to express my frustration I am met with canned answers and nothing being escalated up to proper parties. I could go on and on about the other disappointments this company has delivered but this could be an even lengthier review. All I want is to graduate and be done with this nightmare. It started out pleasant and now it has left me with such a sour taste in my mouth and NO ONE is willing to help me. If I had known them, what I know now, I would not recommend Beyond Finance to anyone. Signed, a crushed and defeated customer.

Your representative that was there to help me was very nice and informative of what would be happening for us to take this step towards getting out of debt.

I liked the idea of Beyond getting in contact with the business or company and negotiate a plan or payoff amount without all of the finance charges that these companies charge.

Les P Was outstanding to work with. The entire process was extremely seamless. I couldn’t have had a better experience. Thank you for helping me through every step.

From the time I called for help I knew they were good at their jobs. They explained throughly how the program works. They walked me through each phase of the journey.

I need everyone who reads this to understand something extremely important about this company. If you value your credit SCORE, run from these people. But if you simply do not care about your score and want to reduce the amount you owe....FILE BANKRUPTCY INSTEAD. Because no matter what, these people are NOT paying down your owed balances! Nope! I can prove it! My credit report from experian shows all of my trade lines and the amounts paid for each one for all the years they have been open. Beyond Finance paid NOTHING on the 6 accounts I handed over to them to manage. Nothing! Then after 6 months of NO PAYMENTS my trade lines began DISCHARGING THE DEBT AND CLOSING THE ACCOUNTS. And because of 6 months of fees many accounts went over their limits! So for example, my limit was 4400 on one account. I owed them 3600. After 6 months of Beyond Finance telling me to ignore all calls and letters from the creditors, this account now says C.O. (charged off) and CLOSED AT CREDITORS REQUEST. My credit report shows a high balance of 4580 and an amount of $50 paid in settlement, 4530 dis charged (written off as bad debt) therefore, I now look like a total flake who goes over my limit then runs without paying! This is what Beyond Finance does! I sincerely with all my heart believe that every positive review here has only just signed up with this company and has yet to experience the damage and the theft of their credit and money. Bankruptcy would be safer, kinder and save you more money by far. I am about to take this company to court and make them answer for their crimes, if anyone wants to join me in a multi-party lawsuit, contact me on Facebook: Jewelleah Kempers Oh and one more critical point I need to make is that their company "responses" published below this review are AUTO RESPONDER REPLIES that showed up 10 seconds after I submitted this review, BEFORE IT WAS EVEN PUBLISHED ON THE WEBSITE TO THE PUBLIC. They have several varieties of responses but this one was the exact same response as another client received, and again it immediately showed up after I hit the submit review button. They do not read these and do not intend on "fixing" their profitable scam! That's all I can say is: RUN!

Whatever you do not do it! It is a huge scam. The money that you owe the banks, just call your banks and ask them to turn off your credit cards and that you can pay them off. Beyond finance will end up making you spend the same amount of money, if not more because they’re cut off the top is the equivalent of what you owe at the very end. If they settle something for $11,000, believe you will be paying $17,000 for that. No one will ever contact you, no one will ever have information, no understand what’s going on and why you were so frustrated. When you give them basic math, they still say well we saved you half, but what they’re not saying is we may have saved you half of the banks and paid the bank half, but we also took a lot of money for ourselves. So basically yes you may have said giving it to pacifically to the bank, but you’re giving another house specifically to now which is just as much as what you owe. You were basically paying the same amount of money to ruin your credit score for years. I have completely graduated out of Beyond Finance within two years, paying way more money than I even owe to begin with. I went in $27,000 due to the pandemic not being able to work for a year. I foolishly called a credit relief that sold me to the devil. I am now paying about $28,000 total with all of their fees. When I started my credit score was 740, within two years it got as low as 495 by being with Beyond Finance. Now it is 635 which is still poor. I’ve paid everything off, and I owe nothing left. I’ve paid more than I ever owed to begin with. This was the biggest mistake I’ve ever made in my life and I really hope that someone reads this and does not sign up with accredited, freedom, debt relief, because they will sell you to this party. They are rude, and they do not know what they are doing. This whole company is a major scam. Please stay very very far away.

So far I really liked how everything was explained and reexplained (if needed) with such clarity and patience. I’m excited to get myself back on track.

The two ladies I spoke with explained everything was knowledgeable of the way the plan works. I would recommend anyone with debt to go with this company.

Don't do it! Beyond has had 25k of my money to settle all of my debts since 3/17/22. They have sat on the last debt for four months. I called the creditor myself and they told me Beyond had called them one time on 6/17/22 AFTER I asked Beyond for the status. Beyond promised to pay on 6/30/22 (no idea why they delay after I approve) and did NOT pay as promised until 7/11/22 when I AGAIN called the creditor who confirmed they had not yet been paid. They do not connect their customers with the individuals who are actually doing the work. Their responses are either completely wrong or a template answer. Of course they took their fee for this settlement on 7/1/22 LOL. I paid Beyond almost 9k in fees and wouldn't complain if they simply did their job. There are better options out there for you.

This is a for profit company. Basically this is what happens: - pay bi weekly amounts to a bank account that is set up through Beyond - eventually they will settle an account for half, usually start with smallest one - once customer agrees to the settlement they charge 25% fee to the customer within a few days - on my initial agreement with Beyond it says the fees are 25% and indicates it’s an average of 6% a year but it’s not, the entire fee is taken right away instead of over time - The fee from Beyond is so high that there is not enough money in the account for any other settlements. For example there was around $600 in the bank account due to my bi-weekly deposits. Beyond settled an account and the first payment was submitted to the creditor for around $50. Then Beyond takes their 25% which was around $490. Now the bank account has virtually no money to initiate other settlements. So meanwhile you’re stuck with nothing being settled, late fees, credit score in the tubes, etc. - Try to contact customer service and they give scripted answers that do not help explain - Try to get a fee schedule from Beyond and they do not provide it, stated that I had to agree to settlement first (they don’t want you to know how much they will be taking all at once) - Try to get agreement between Beyond and the creditor and they give a run around and tell me it’s on the dashboard which it’s not At the rate they go these accounts with not be settled within 6 months or even a year. Then more months go by, late fees, collections, lawyers are suing, etc. This company hires “sales” people who are very convincing, but it’s a scam. Really, their job title is SALES. Most of the 5 star reviews are after the initial experience because they are, “so nice and helpful”. Once you’re in the program a while you realize that you are getting screwed and there’s nothing but idiots on the other end (sales people are gone and it’s now just phone reps from other countries). They say you save half with their services but by the time you pay them 25%, plus extra late fees and penalties because the accounts are delinquent so long, you might save 10% - and that’s if you don’t get sued or go to court. I do not recommend this company.