Beyond Finance Reviews

My initial person, Mabel, was so friendly and explained everything to me. She walked me through every steps and answered all my questions. Very patient and helpful. She made me feel comfortable in discussing what was going on

Beyond has done right for me. The representatives were very caring and friendly aside from being professional and gave me hope and I don't have to be so stressed out, so again thank you. I would definitely recommend you guys.

This program is a genius concept! I signed up right away because my contact person, Hollyann, is the best kind of customer service representative your company could ask for! She is passionate about what Beyond Finance is able to offer its clients and is a natural at conveying her enthusiasm for the program. I'm thrilled to be participating in this program and am looking forward to experiencing its tremendous benefits.

Lately I couldn't sleep, worried about my bills. Now I can sleep like a baby. Thank you guys for helping me and my cousin for referring you guys to me. I'm getting better sleep now. Mr. B, **, is a God sent. Thank you so much. 😊

The slickest human being I’ve ever spoken to called me one afternoon. His voice had me picturing the most wholesome 65 year old eastern Kentucky gentleman sitting on a tree stump whittling a flute from a piece of oak he’d found on his afternoon walk to the local five and dime for his weekly pocket full of Werther's Originals. The soft whistle in his words calmed me right out of my information because he was on this Earth, alive at this very moment, just to help ME. I bit the hook, worn out from paying credit card debt, and signed what must’ve been a phone book full of legalese that Hillary Clinton couldn’t understand entirely. Had a feeling, but ole James from down the creek eased me right through it.

Excellent service if you want to reduce your debt quickly. Will work with you for the best options.... Awesome service. Would definitely recommend. You can do weekly payments or bi weekly or monthly. Whatever works for you and not break your wallet.

So far, Beyond Finance has made two withdrawals from my checking account in our arrangement to relieve my debt with four creditors. Despite my calls to Beyond Finance for help, these creditors are hounding me for payment and threatening me with credit score reduction and legal action. If this is how Beyond Finance operates, I think prospective customers should know about it before entering into an arrangement with them. No one needs more aggravation in their lives, and Beyond Finance's M.O. definitely causes it.

Katie is extremely thorough and professional, but puts you at ease. She is very friendly and gives you all the time you need. She makes sure you understand and even calls the next day to follow up. Outstanding customer care.

Excellent experience working with Sergio. He was patient and thorough collecting information about my debt and explaining the plan he recommended. I feel confident that I can get out of debt and I feel a huge sense of relief that there is a plan in place.

Everything went smoothly and I was so impressed with the service plus the information was explained to me as we're going over the service! I'm really excited about moving forward and getting back on track!

I had considered different options and companies but Beyond thoroughly explained things like no other companies, and didn't make you feel rushed. I truly believe I made the right decision in choosing Beyond.

I would recommend to others struggling. Customer Service is excellent. No judgement, system set up to succecced, taking the stress off your shoulders. Everyone I spoke to has great customer service and communication skills.

She explained detailed information. I appreciate she asked if I had questions. She was very thorough. I am glad she went over everything. Explained every document. Will be referring other to your business.

Great Customer Service and gave detailed information about the process. Made sure I understood everything going forward and was happy to answer any questions I had.

Process was easy and Kelly really made me feel better. I was embarrassed of the situation we were in and she assured me I’m not alone. I felt like I was drowning and couldn’t keep my head above water. My ship had sunk. I now feel optimistic about my financial future and I will now for the first time in many years be able to actually save money.

Ms ** was very knowledgeable about Debt consolidation and quite helpful. She was patient reading and helping me to understand all the materials. Thank you Ms ** for making my financial, mental and physical health at ease.

Very helpful from start to finish. They were very patient, compassionate and understanding with my situation. They went over every aspect of the process and encouraged me to ask questions. They answered those questions very clearly so that I could understand the whole situation.

As a former financial planning professional, life happened. Sometimes what we advise on happens to us. I was able to consolidate $40K of debt, and am confident that I will come out so much further ahead. Not sure if you can request to work with a specific Specialist, but if so, Nathan ** was simply exceptional!

Tanner ** is the best! He is so professional, knowledgeable, and trustworthy!! I needed guidance, and somewhere I can trust to help me on my road to being debt free, I am so happy I met Tanner and will be working with Beyond Finance!

Excellent talk with Trevor who reviewed my debt, explained the process, and gave me confidence that he would be working, negotiating on my behalf. No judgement.

I signed up with Beyond Finance in November of 2024 because I was in a very difficult financial situation. I've paid the payments bi-weekly, without fail and 4 of the debts I signed up have been settled with one of them being completed while 2 remain unsettled. What I was never told is that the debtor/client will end up having to pay taxes on the debts that are "forgiven" or written off. Not the end of the world but also not a great surprise. In August of 2025 I was presented with a graduation loan offer which was naturally of interest to me. That is, until I saw the terms of the loan offer. The interest rate was absolutely unreasonable (between 25 and 30% APR) and would have resulted in me paying MORE than the amount of the debt I enrolled with Beyond Finance in the first place.

Difficult to say how satisfied I will be, I just started, but the process was easy. I am hopeful that I will get good results and be debt free in the next few years.

Each month became a struggle to keep my head above water and the stressful cycle was only exacerbated by the high interest rates. My attempts to pay of the debt with limited income growth, and the availability of savings should there be emergency expenses only made the matters worse. My attempts to create a realistic budget, halting new debt, and contacting lenders to negotiate lower repayment plans was a dead end.

I appreciated the level of service I received from Desireah and Deliah over the phone. They were both very friendly. They listened and I felt heard. I never felt judged for my situation. They explained everything about the process and I felt confident moving forward that they have my best interest at heart

I’m still very new to the whole process, but every representative that I have spoken to during this initial step has been not only informative, professional and kind, but has also reassured me with absolute words of affirmation and compassion. I would recommend Beyond to anyone who is dealing with this sort of financial crisis and debt burden!

Darron and Molly were amazing representation for the company. Darron was my first point of contact. He explained everything in great details. I instantly signed up to get my finances back on track. If it wasn’t for Darron, and I’m sure if I would’ve signed up immediately. If you need help, like I did. Please sign up and take control of your finances again.

I have been enrolled in Beyond Finance for some time now and have been watching my progress and I have to say that I am somewhat disappointed in this program only because from the settlements already gotten and the amounts agreed on, now looking at the rest to still settle, I do not think I will get anywhere near the relief I was told I would get. But I will have to wait till the future to see if things change. I will update with an appropriate review at that time. So as of now not satisfied..

They made me feel at ease and tried to reassure me that they would do everything to help us out. This will be tough to not pay on time because we did everything we could to do this but we needed help when we started making bills to pay bills. Enough is enough!

Very personal attention. A lot of good information. They make sure you understand everything and are there to help. I'm glad I made this decision. I finally have peace of mind. I would recommend this service for sure.

I can’t thank Lisa enough for making this whole process as stress free and smooth as possible. When you’re at this point in life it can be difficult to navigate but Lisa made me feel assured that I was taking the right steps and made me feel confident that I was doing what was best to get out of debt.

My agent was friendly, very easy to understand and very helpful. Would recommend to anyone struggling with debt relief. Having a company that believes in helping people like myself who are trying to take control of their financial future is a blessing! Thank you Beyond.

After dreading to face my debt head-on, I took a leap of faith and contacted Beyond Finance! I’m so glad I did. Everything is affordable and helpful in reaching my credit and debt goals! I highly recommend Beyond Finance!

A truly seamless experience. Angel at Beyond Finance showed genuine interest in helping resolve my situation. Her kind demeanor put me at ease. Her clear and concise explanations further reinforced my decision to move forward with the process. The app is absolutely excellent for real-time updates and further enhances the experience with Beyond Finance. Highly recommend to anyone in a tough financial situation wanting a realistic path to becoming debt-free.

I was happy with the carefully thought out plan put together to get me back in my feet after several major setbacks and I look forward to getting my credit back in check and improving my life and taking control again.

Very patient with all my questions and concerns. Helpful onboarding video. You will be helped every step of the way seamlessly. Great supportive staff and smooth sailing. Treated as a person needing some advice and went above my expectations.

I have been so overwhelmed and at a loss as what to do regarding my debt. After doing some research, I decided to call Accredited Debt Relief. I was connected with a very knowledgeable representative who made me feel at ease and set up my credit card debt plan to be handled through Beyond Finance. The Representative at Beyond was extremely helpful and I am now beginning this journey. I am a senior citizen and I am thankful for this program and trust the journey ahead will erase my credit card debt in a reasonable amount of time!

Sergio provided exceptional customer service throughout my experience with the debt relief program. He was extremely informative, kind, and knowledgeable, and it was clear that he genuinely cared about helping me. He took the time to answer every question and concern I had and walked me through the entire process thoroughly. His support made a stressful situation feel manageable, and I’m very grateful for his guidance.

They say they'll reduce your debt by estimated half. I found out I was making payments for well over 75% of my debt. I cancelled and out of $5115.97 paid, they paid $2356.32 and took $2759.96 in fees!

Thomas was very understanding and accepting. There was no judgment, just encouragement. It’s a long process, (about 2 hours) but definitely well worth the time spent. I hung up knowing I was in good hands with Accredited/Beyond Finance.

My experience was painless. Such good information and support at this point in my journey. I know exactly what to do. The weight has been lifted a bit! I'm now busy making the changes I need to make to ensure I am financially successful in the future.

I’m so glad I found them. The counselor I spoke too was extremely helpful by explaining how the program works and what I could expect. I’m looking forward to working the program. I’ve just started the program and can’t wait to see results.

I had a great experience with Beyond Finance. Everything was explained well. Customer service was excellent. Forms were easy to fill out and sign. From here I believe the process will go well. So far satisfied.

Talked to 1 person while at work, and he gladly set up a call for me for after work. Talked to Chris at that time and he answered every single question I had. He got me set up and going in a few hours. Follow up call from Mokii was fantastic and really enjoyed the call. I am so glad I finally took the chance I had been sitting on for years. This will be such a good move for me financially.

Nicholas was very great at explaining everything and then assisting me through initializing and signing documents to set up a plan that would save me almost 75 percent in a very reasonable amount of time. I very highly recommend this company and Nicholas for assisting you. I saw a 9.8 rating for this company and I can see why after setting up my plan with Nicholas. Resolve your debt with this company with Nicholas, if possible. You will not be disappointed.

The person I worked with was fantastic, she took TWO HOURS with me, can you imagine? I was so thankful for her and her knowledge and the willingness to educate and share. I would recommend her to ANYONE

Both representatives I spoke to were knowledgeable and provided top-notch support. The onboarding process included every detail. Every step was carefully explained from start to finish. I felt that my time was taken into consideration. A load of stress is being lifted for me. I appreciate it.

I had put this off for far too long. But, it was really the easiest thing. The agent I spoke with was incredibly knowledgeable about how to solve my financial problems. But, more importantly, he was empathetic and understanding about my situation. He made me see that I had been struggling to keep my head above water, and that if I continued paying the minimum due for my credit card bills, I would not be debt free for 22 years. He explained all my options and took great care that I understood the payment agreement, my responsibilities as well as those of Beyond Finance. And, I only had to speak with one person at Beyond Finance. All of my questions were answered and I was never transferred to another agent or put on hold. The call did take almost 90 minutes, but it did not feel that long at all.

The staff is very friendly and professional. They hear what you have to say and do not judge you for your situation. The first person I spoke to was very pleasant and took the time to explain everything. He took the time to listen and never once judged. He actually understood and related. All of my questions were answered and if I didn’t understand the first time it was explained, he would explain it a different way until I understood.

Jade went above and beyond and explained every detail. She was peaceful, friendly, considerate, and kind with my situation. She was efficient and went out of her way to explain things to me that I did not understand. Thank you Jade. You are a sweetheart.

Customer Service representative seemed to know about program, and even shared something of his life that was similar to my family situation. Made sure I understood everything that was discussed, and that I was comfortable agreeing to terms. Very hopeful to see progress after 6 months, and after call felt some relief to getting back on track.

Polite, professional and proficient. Great experience. Approachable, friendly and sympathetic to my circumstances. Non-judgmental. Efficient and effective. Easy to talk with. Extra patient and an excellent listener.

I loved that the process was quick and everyone I spoke with was very friendly and helpful. Any questions I had were answered immediately over the phone and I didn't feel skeptical. The app is also very detailed, informative, and easy to use; I got off the phone with confidence. Overall a surprisingly pleasurable process and experience, which can be hard sometimes when dealing with credit and debt in my past experiences. Thank you!

I had an excellent experience working with my debt consolidation specialist. They were professional, patient, and truly took the time to explain every option clearly. I felt supported throughout the entire process, and they helped reduce my stress while creating a plan that actually works. I highly recommend their services to anyone looking for real financial guidance and peace of mind.

Happy that I'm a client for you, that you're going to clear up my credit, and I'll get the pay back the credit with no interest and that's good, lower money in my credit cards that I get paid back, hopefully, I do it before the 4 years is over with.

It was a painless and surprisingly pleasant experience!! Excellent service! The person that contacted me was respectful, understanding, courteous and knew exactly how to help me. He asked pertinent questions and waited quietly while I found the information that he needed. I felt taken care of.

Although I'm just getting started (just enrolled yesterday), I must say that my initial experience has been very positive and reassuring. Having spoken with two representatives, I was very impressed with their professionalism, patience, knowledge and "bedside manner." Also, I appreciate the brochure, the onboarding video, and the clear and detailed agreement. It seems you've covered all the bases. I slept well last night. :)

Awesome staff, operators were clear, helpful and caring. Also patient. I felt much about my situation. They were encouraging and didn't talk down to me but it was like a very uplifting experience. I now have direction of what I need to do to get beck on track. I feel much better. Thank you.

Each person I spoke to were pleasant and had a great deal of patience and did not hurry me. Through the process. They all wanted to make sure I understood what was going to occur step by step. They understand that reaching out is not something that is to do.

The gentleman I spoke with was very helpful & understanding. He explained everything in a way that was easy to understand. I had been looking for help in settling my debt & I think Beyond Finance is just the place.

Brandon was amazing. I have been carrying the shame of my financial situation for a while now, and I finally feel like I’m taking the power in my life and in my finances back. He was super empathetic, but more than that, he actively listened to EVERYTHING I said. I have never felt so… human in a moment where most people would make me feel less than. He came up with a great plan for me that is going to get me back on track and on a better trajectory. Going back for grad school finally feels like maybe it’s possible after all.

I am so happy that I took the time to find a debt relief program like Beyond! They took the time to explain everything with me, including the specifics of the contract. They were patient as they helped me find the information I needed to ensure that they could do their best for me. Customer service was amazing and shared with me their own walk in finding debt relief. Thank you so much Beyond!!!

At the beginning they was not interested at all. I had worked hard for years to get my credit score up where it was. My credit health had been excellent for years! Something I was very proud of. Then it wasn’t. There had been a health issue that caused me to have to drive 120 miles a day to spend the day with my father until my brother got there to stay the night with him. Funny how quickly a card company wants to drop you. Despite my hard work, loyalty to card companies, on time payments and payoff’s, charging, more timely payments and payoffs.

I would highly recommend Beyond Finance. The process was fast and painless. Michelle really explained the steps well and what to expect moving forward. It's scary when you feel stuck with cc debt and don't know where to turn. When I finished my call I felt relieved that my debt would be taken care of and my credit would be repaired.

I was underwater in my finances and had done all the budgeting tips and tricks to get ahead again. I was facing bankruptcy when I called and they were able to get my bills back under my income level with a deal that will get me in a good place in 48 months! The hit to my credit score is irrelevant since I was about to start defaulting on payments and the rebuilding may take time but it's worth it.

Olivia was very thorough explaining the process as well as my overall debt situation. Everything explained to me checked out as accurate. There was never any pressure and she moved forward as I felt comfortable. I’m very grateful for her listener and knowledge.

I highly recommend Beyond finance to all who need financial help. Janel my consolidation specialist was very professional and explained everything in detail. I still can't believe my debt situation has been conquered.

Kara H. was a godsend to me. She was able to walk me through the program and to set up our debt resolution within an hour. I can breathe knowing that I can now pay my bills and know that I will be out of debt in 48 months. Thank you, Kara and accredited staff for being there for me and my family.

Sleepless nights and anxiety over extensive credit card bills. This was a result of my husband losing his eyesight and the job he loved for years. Beyond Finance gave us the answer. We didn’t want to walk away from our responsibility but needed help to come up with a compromise. We are new to the program but are confident that this will be the answer for us. A way to end our debt in 55 months and be so far ahead in our personal finance goals. Thank you Beyond Finance for being more than just another loan company but a family that is truly interested in not only solving our immediate financial problems but “holding our hands” as we navigate our journey to financial freedom.

I have been with Beyond for over a year. They paid off the first creditor with the full amount. Then they negotiated with the other two and I’m making monthly payments. The first thing is they NEVER contact you for anything; but they keep taking your money. I lost my job and had to defer my deposits. They didn’t even tell me that one of my creditors did not accept late payments; so the creditor cancelled the agreement; but Beyond already took their settlement fee. They negotiated with the three creditors less than the 20% they stated they needed in my account to negotiate. They are now stating that the last creditor and the one they cancelled needs 40% of the total amount owed to them in my account before they can negotiate with them.

When I first contacted Beyond Finance, I informed the individual that I was driving but on Bluetooth. While she was explaining everything to me, she said that their fee would be included in every offer that I receive and that I wouldn't be blind sided by it. She proceeded to tell me I needed to sign the document, but she would review it with me. This is where I went wrong, I trusted her and this company. Not once did she mention 25% fee of the original debt. I understand my fault for not reading and putting trust in them again. "I have this recorded, I went over the recording just to make sure".

We’ll see what happens in the future but I was pleasantly surprised with the people that I dealt with! Matthew was wonderful and so was my onboarding specialist so thank you so much! Happy holidays to you all.

When I called Beyond, I had already researched their company, so I was familiar with their reputation and the processes they use to help eliminate debt. E. J., the person who helped me, learned he didn't need to emphasize the issues that are often hidden in plain sight, like how compound interest can eat up your savings, because I had already crunched my numbers. Hence the phone call. The processes that E. J. presented to me were easy to understand. Their onboarding materials are concise, to the point, and helpful to prep for the steps I need to take next. I would highly recommend this company, mainly because they're not in it for the sales. There is no pressure. There are no hidden fees, and your choices are up to you.

Not sure why I put this off for years.. I felt stuck if this vicious cycle of high interest loans. Trying to negotiate myself thinking I know what I’m doing. Just all around throwing away money. It took 20 minutes of my life to finally get peace of mind. Thank you!!

Very nice people to work with. They understand the financial hardship that you are experiencing. They will work with you and give you options. They will also work with your creditors. Just started the program and it will work.

Working with Beyond Finance has been an absolute life-changer for me. Their team (Jackie & Teresa) made me feel supported, informed, and truly heard. What impressed me most was how clearly they explained every step of the process—no confusing jargon, no pressure—just genuine guidance from people who clearly care about their clients. Their program is giving me something I hadn’t felt in a long time: control and confidence. Instead of being overwhelmed by debt, I finally have a plan that makes sense and a team that walked with me through every step. Their communication was always quick and friendly, and I never felt like just another account number.

I have been dreading taking the first step of putting my debt behind me. My rep was kind, understanding, and extremely helpful. This program is saving me money and reducing my stress! I can’t wait to crush this debt.

What a great experience it was to begin the process of becoming debt-free. Everything was explained in a understanding manner and all questions were asked with sincerity. I look forward to working with this company.

Excellent, my phone call went well and I'm happy 😊 with the service so far... My onboarding was smooth. I felt comfortable speaking about my finances with her. All of my questions was answered thoroughly.

I recently worked with Alen ** (Consolidation Specialist), and I couldn’t be more grateful for his help. I came into this process very hesitant because I had a bad experience with a similar contract a long time ago. Alen took the time to walk me through everything in detail. He explained the differences between my past situation and this new program, clearly showing me the benefits and all the perks that come with it. He went over the fine print with complete transparency and made every part of the process easy to understand. Alen was professional, patient, and extremely helpful from start to finish. His thoroughness and honesty gave me the confidence I needed to move forward. I truly appreciate the support he provided and highly recommend him.

Amazing sign-up experience. Made me feel at ease and confident about this choice. After signing up, I immediately told my family about it to have them look into it for themselves. I feel that there is a light at the end of this journey.

This is just the beginning of our journey with Beyond Finance, however with the experience we have had so far I would recommend. The entire program was explained to us with great detail and questions were answered with no hesitation.

This company overpromises and underdelivers. They state you'll never pay more than the initially agreed upon biweekly payments. However, they purposefully refuse to contact creditors until after the account has gone to a legal department. At this point, Beyond calls demanding more money. When you can't pay, they drop the account leaving you in a legal nightmare that Beyond created. I would not recommend this company to my worst enemy!

Everyone was very knowledgeable and professional. The people were compassionate, caring and made it easy to get started. I would recommend Beyond to anyone who as looking for help in consolidating, minimizing and managing their debt.

Be aware that Beyond Finance does NOT offer legal support! They misled me when I signed up that they would. They are slow to make payments and you can expect messages from your creditors that payments haven't been made on time. Some creditors WILL sue even if you're in the program AND you will not have representation in the courtroom....you're on your own. They may even try to get you to disclose your banking information even though they are supposedly making your payments!

Excellent Customer Service and Soft Skills. They listen to the customer to fully understand what is needed and then they do what they can to help alleviate the problem. No judgment, just solutions. They really care about what’s best for the customer.

very professional and knowledgeable about the products and services, no hassle associates. Understood our goal and found a plan that was very helpful for us. Did our research and found that accredited was the best course for us to take.

Jeanette ** did an incredible job on educating me about how the program works. I was nervous and unsure, but she explained in great detail what the steps are and how it all comes together. I would highly recommend beyond Finance!

Getting started with Beyond was “Beyond my expectations”. Nick ** was kind and patient with me and explained everything clearly. If I did have a question, he answered it in a way that I could understand. I have high hopes for the future.

Totally misleading. They settled one account, collected their fees before ever making a real payment to the creditor. After they collected their fee, they started working with additional creditors. In the interim, their fee on the new creditor combined with fees that accumulated when they told me not to pay, is now higher than the original debt. I’m paying more than the debt I brought them to settle.

Morgan was amazing and literally took a personal interest in my situation! She explained everything about the process and defined the whole situation I was in to help me see what I had to do to overcome my debt in the quickest way!

Completely transparent amount the entire process, my finances, and help that was needed to get out of a corporate interest debt hole. This company is obviously one with integrity and the desire to help people. If it wasn't for the person on the other line being as humanly connected as they were I might still be alone in a debt hole. I feel as though I now have a team helping me climb out instead of a corporate machine holding me down. The light at end of a dark road. Thank you.

I am so very happy that I have taken the step to enroll in Beyond Finance's program. They are wonderful and very helpful to make me feel so very reassured and confident that I have made the best choice for my journey to financial freedom.

Elisabeth was very pleasant to talk with and helpful in arranging a debt relief program for me. She helped me get started and answered all of my questions. The program that she helped me with is all of what I expected.

Neida was very clear, encouraging, friendly, and knowledgeable. Then I spoke to Iman as part of my onboarding. Iman was friendly, understanding, knowledgeable, and welcoming. I so appreciate these two ladies. They represent your frontline with excellence, expertise, and compassion.

Staff felt like talking to a friend with no judgement. Great option to get out of debt with affordable options to choose from that tackle the debt. Ready to get on the other side and breath again. Trustworthy.

Beyond Finance has been very helpful throughout my debt relief process. The representatives are patient, informative, and always willing to answer my questions. They make sure I understand each step and keep me updated on my progress. I appreciate their support and the peace of mind they’ve given me during a stressful time.

The entire process was remarkably seamless from start to finish. The representative I spoke with was incredibly friendly and professional, which immediately put me at ease. As I shared my concerns, I felt a wave of relief wash over me, thanks to the agent's attentive listening and reassuring responses. Having experience in customer service myself, I truly appreciated the high level of care and dedication I received. I couldn't have asked for a better, world-class experience—it was a perfect example of how excellent customer service should be delivered.

PDS Debt/Beyond Finance has been an absolute blessing for us. From the moment we reached out, the entire team was kind, patient, and incredibly supportive. There was never any judgment, never any condescension, just real people who genuinely wanted to help us get back on stable ground. A special shout out to Meg, who went above and beyond. She explained everything clearly, treated us with respect, and made what could have been a stressful process feel manageable and hopeful. Her guidance made a world of difference. If you’re feeling overwhelmed by debt, do yourself a favor and talk to them. We’re deeply grateful for the help they provided and the dignity with which they provided it.

I had an excellent experience with Beyond Finance, a highly rated credit card debt consolidation company. From the first call, their **empathy and politeness** stood out — they truly listened to my situation without judgment. The officer, Josh, showed remarkable **patience**, explaining every option clearly and guiding me step-by-step through the process. His **professional expertise** made everything smooth and stress-free. Thanks to their help, I’m now back on track financially. I highly recommend them to anyone seeking genuine, caring, and knowledgeable debt relief support.

Joel was amazingly kind and professional as he listened to my plight. Previously, I had tried speaking to another company about my situation and the guy treated me like crap. Beyond Finance was the complete opposite. Thank you for treating me with respect! And thank you for understanding that I got overextended when I put all my eggs in my Hurricane Helene book basket. Lol.

Agent was very professional and efficient, explained contract in detail, as well as savings with the program. Reviewed that legal and any other fees are included in monthly payment agreed to in the contract. Walked me thru affi g the app and the contract on docusign..

I would recommend Beyond Finance to anyone in debt and sees no way out as I was. I was very depressed and was almost at my wits end. They gave me hope when I could not find it on my own. Thank you Beyond Finance.

We don't have any offers yet (just started yesterday)... but the staff is very attentive and patient and truly seems to have our best interest in mind. They took time to listen and really wanted to make sure we didn't have any questions or concerns.

I like the high level of knowledge and the process to a better way to take on debt is stressful 🙃. But very effective way to recover financially. I surely strong recommend it. For People who find themselves under this circumstances.

I chose to contact Beyond Finance after researching several finance companies and they did not disappoint. Exceptional customer service with every step. Patient and thorough with all my questions and concerns. Consistency with each contact both by phone and email.

Beyond is a stress free way to find your peace and serenity beyond the crushing weight of CC debt! Highly recommend you speak to Stella. She is delightful and knowledgeable, especially for a tough in deep debt person like me. She answered all my questions and concerns. She placed my desires first.

The descriptions and education regarding credit counseling was top tier. Diajana was super helpful and a great listener. I got approved and am not afraid to ask questions because they answer the phone and make you their priority. They have a lot of empathy for your situation.

We've been in the Beyond Finance program for over a year. Only three of our 7 accounts have been resolved. We ended up getting taken to court for one of the accounts. Beyond was zero help and gave no information for me to take to court to show they had tried to reach out for resolution (likely because they never did). Once you sign up, you never hear from then again, except to say they need more money. This has been a nightmare. We're getting an attorney to take over because we're scared they'll garnish our wages. Don't do this. Negotiate the accounts yourself and save thousands in money and time.

A reliable credit company that will help you get out of debt with a simple and clear plan of what you should do. With this company, you can get out of debt in an organized way and improve your credit score in the process. This way, you'll learn how to manage your debts without annoying calls from creditors.

Very satisfied, I could actually breathe again. I'm 74 and I was actually stressing I'd like to see. I have no room for that! Lee ** was great, actually helped me so much and reassured me I'll be ok. Molly she was unbelievable. They both didn’t rush you and believe me I know I must’ve drove him crazy. They let you say what you had to say. They actually listened to every word and I explained my situation. They know how stressed I was and reassured me it will be fine.

All of these positive reviews must be fake. This company is a joke. When I enrolled, I was told so many things that have not matched my experience. I was told my debts would be resolved in a timely manner and that my credit should start to improve within 6 months. They were able to negotiate my first offer almost immediately, however the next offer took 6+ months. I have been in this program well over a year and they have yet to negotiate one of my accounts. I was initially drawn to the program due to the fact that my $600+ payments monthly going to my credit cards were reduced into a one time payment of about $200.

To whom it may concern, I Highly appreciate your service, as far as being there on the spot when someone is searching for answers. As we all know life has its ups and downs and if we would like to admit it or not, we all need a little help at times, I'm just getting started with this service, and I can say honestly with the Support Team that I was routed to, I wish I could have made this decision earlier.

After a serious look at my finances and life struggles I chose to find a debt resolution company. Accredited Finance was highly recommended so I contacted them to see if they could help me. After speaking with one of their representatives it was clear this was the right path.

My agent was so helpful in getting a handle on some debt. I’m anxious about not being stressed every time a bill comes due again and having the funds to cover it… I’m counting on my credit to get back to normal soon…

Very knowledgeable and understanding. Process was fast and informative. Made sure I had all the contacts information in case I needed it. Online process was available and easy to use. Very thankful for my payment.

With great empathy and patience, Beyond helped set us up with a manageable payment plan. They took time explaining everything and providing options. This has been a relief for us given the current financial climate.

Great service from Jennifer and all the help I got. I would recommend this to anyone that needs help. It was quick and painless and helped me realize what I need to do to help myself better my finances.

I thought the experience was professional and efficient. I was hesitant about initiating this but Tori did an excellent job explaining everything and made me feel at ease and comfortable throughout the process.

They were very helpful and explained every step of the process in very clear terms. Took an interest in me as a person not just a client. I would definitely tell friends and family to use this service.

Signing up was simple and easy. The documents were extremely long but getting them signed was a snap. Once everything was set, customer service came in, arranged for me a date that I could make my first payment. I am very happy with what I have seen so far.

I'm a cancer survivor and some things happened where I lost my social security for a little while because of government changes. I finally got it back but not before they repossessed my truck. It took me so many years after I got cancer because I didn't have insurance and had to work off $75,000 worth of medical debt. Thankfully they can't do that to anybody anymore. You guys helping me has made me be able to breathe better. I really appreciate all the help but the sweet woman yesterday provided for me. Your company is going to make all the difference in the world to my remission. Thank you from the bottom of my heart.

So far they been great to work with. They already had one of accounts take two day after I sign on. They seem to want to help people get out of debt. Lf you need help gave them a call, they will help you.

I was impressed with the professionalism of my counselor working with me. I had such trepidation reaching out for assistance. She was there to explain and assist during the initial interview. Please reach out to inquire as to how one might resolve their financial issue!

Very informative, helpful and genuinely care and want to help. Made sure that I understood everything. Stopped to see if I had any Explained everything step by step and what to expect. How to handle the calls. Made sure I knew if I had any questions or concerns that I could call or email and they will be there to help. They took a weight off my shoulders.

I wasn't really sure if I wanted to do a debt relief program, but after talking it over with Keith **, I felt like this was the best option for me and my long-term financial goals. The program is pretty straightforward, and Keith was able to answer any questions or concerns I had.

Beyond Finance started to work for me. It is a big relief for med. Fantastic support I received. I expect good results in future also. These days was struggling to pay my credit card balance. Now it is in my control. Thank you.

I had utilized basically all of my built up credit due to unexpected medical and emergency bills. I came for another personal loan and left with a manageable debt consolidation loan, which in the long run was actually what I needed. Stephanie was so easy to work with and I genuinely felt like she listened to my specific circumstance and wanted to help. Highly recommend!

When I spoke to Beyond Finance I told them the two credit cards I had. They said they work with the two banks. After 5 months of paying them, my credit score sinking I was told that they don't recommend working with banks that you are heavily invested with. Well, one of my credit cards is with my bank. It is where I have my accounts, and my mortgage. Therefore, they cannot work with them.

Rich was personable, made things clear and easy to follow. Eased any skepticism I might of had. He listened to my story, and told me a little of his then advised me on my options. That made it feel like I was being helped not sold.

I would recommend this program to anyone who are in the same position like me struggling to pay for debts! As soon I spoke to customer service I felt the relief over my shoulder because he explained me all the process and how this can help me to pay my debts without having any further problems.

Our experience with the entire process was very good. Our Debt Specialist DawnMarie ** was very informative and patient with my wife and I on the steps taken. DawnMarie was very professional and knowledgeable on what she does. After the call, my wife and I felt a sense of relief and confident.. Thank you DawnMarie for your assistance utilizing your customer service skillset.

I was really scared about how much credit card debt I had due to some health issues and not being able to work, they called me and helped get peace of mind about resolving my debt in just an hour. The relief I feel now is unexplainable. I worked with Thomas and he was so awesome and explained everything so well to me.

My experience with Beyond was excellent. They are very professional and have a genuine concern to help people get out of debt. They treated me with the utmost respect and I would recommend them to anyone struggling with debt.

I would and have already recommend Penny!!! My experience was amazing. Pat D was super nice, knowledgeable, understanding and made me feel safe and heard. After speaking with him and setting up my plan a weight was lifted off my shoulders.

The process is very easy to understand and extremely relaxing to know that your situation is not uncommon. They take the time to explain everything during the process and takes time to make sure you understand every detail. The process was completed in less than an hour. This has been a pleasant experience overall.

I enrolled four accounts with Beyond Finance, had two suits brought against me, and, after all the fees, ended up paying MORE than the total debt I enrolled. You have to understand that Beyond offers no guarantees, and their success is totally dependent on how fast you can deposit money into their dedicated account and your creditor's willingness to play ball. You might come out ahead, you might not. When it was all said and done, in spite of all their talk about debt reduction, they were quick to let me know that they are NOT a debt reduction company, but a debt resolution company. The devil is in the details.

I have been thinking of using a debt consolidation company for a few months but was worried that I would get pushed into an agreement I didn't understand. Beyond Finance went above and beyond to make sure I understood everything about our agreement prior to signing the paperwork. They saved me $800 per month!

So I've been truly worried about my debt for a while now! I've been lost in what to even attempt to do! Then I cam across Beyond Finance on September 11, 2025! I'm truly amazed at how well all the employees know how to make someone feel relieved that things can and will get better in due time! Beyond found a budget price that I can afford with saving me a lot of money! I would recommend Beyond Finance to everyone in debt!

Terrance was a pleasure to work with because of his knowledge and demeanor, speaking so clearly with a nice tone. People do not realize that in conversation. He really helped me complete my project. This was a big step in my life to make this happen. I was nervous but hope to adjust with the situation, especially at my age.

They are very helpful and very thorough. A problem like this can feel very daunting, endless battle. You get help from professionals that have been in your exact same shoes so they know how to help and which avenues to take. Their name speaks for itself, this goes beyond finance. It's a way to take back your life and free yourself from the shackles. Overall experience 10/10

Adam R is professional and knowledgeable. Everyone involved were polite and well trained. My worries are greatly reduced. I’m SO glad that I called! I look forward to the future without the anchor of unreasonable debt.

Daniel was very knowledgeable and understanding! I really appreciate all the important information that was shared with me! I'm looking forward to the next chapter where I can finally put debt in the rearview.

My specialist took her time to explain everything to me in terms I could fully understand. I had tried Beyond Finance previously, but felt that all the Ts and Cs were not clearly defined. My previous experience was less than stellar!

Gabrielle ** was excellent at her job and helping guide us through the process. It was all figured out and explained in a fair amount of time and was very informative on the whole process. Definitely recommend this service if in a bad spot like us.

I have been having a hard time keeping up with my payments so I decided to give this option a try. They were understanding of my situation and I did not feel as if I was being looked down on. Thank you for your help.

Bad Company Practices. This company is NOT A GOOD COMPANY. This company is NOT A GOOD COMPANY. DO NOT GO 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.

First, I would like to highlight the debt consolidation specialist Darrion ** for the great customer service. Was very professional and I totally recommend it to someone looking for a debt settlement company to work on their behalf.

From the moment I first called till completing the process to sign up it was very easy. It was very well explained and a very good choice. I would recommend this to anyone who needs help financially! Thanks!

My experience with Beyond Finance has been the opposite of what they promise. Out of the $3,300 I paid, only about $1,000 actually went to pay off one debt — the rest was kept by the company. On top of that, they claim a 25% fee on total enrolled debt, which was never explained to me during the initial phone call. I was told all fees were included in my bi-monthly payments, but later found out otherwise. When I asked where in the contract this 25% fee was clearly stated, I did not receive a straight answer. Their lack of transparency and the way they withhold client funds feels misleading and unfair. Instead of finding financial relief, I would not recommend Beyond Finance to anyone. Please join me in filing a formal complaint so this company can be held accountable for its practices.

From the beginning of this process, the team was exceptionally helpful and courteous. They answered all my questions with honesty and transparency, making the enrollment process stress-free, even though the idea of debt consolidation was difficult to accept.

Beyond Finance is very resourceful, Everyone you speak to helps you feel very supported and love!! I will highly recommend!! I am excited to start a new journey knowing they are supporting every step of the way. Thank you to this amazing company. I see why the reviews are all triple A's!!

They were so helpful in making a plan for me. She explained everything & made sure I completely understood everything. She was so nice & easy to talk to. I would recommend them to anyone needing financial help.

I was struggling to find answers to my financial woes. I contacted Accedited and it was easy to work with agent. Very simple process. I would recommend to anyone experiencing debt taking over their life, to make the call to get answers and assistance.

Customer service was great. Professional service and very detailed. Was not pushy, gave options and explained in detail. Process was easy to follow and understand. Was patient and answered all questions.

I contacted Beyond Finance late in the afternoon on a Saturday because I was strongly considering bankruptcy for my extensive debt I had accumulated. I filled out the Beyond Finance online information and submitted it and within minutes I received a phone call from Nik, a Consolidation Specialist with Accredited Debt Relief / Beyond Finance. The professionalism, patience, understanding and compassion throughout our interaction put me more at ease and was feeling a sense that Debt Resolution was a better route to go that was being offered through their program instead of bankruptcy.

The agent that helped me was very patient and helpful. He explained the process in a way I could understand the plan. I am new to the program but the sign-up process was explained very well. I cannot say how this plan will work out but going forward, I have been told that I will have help all the way through which is important to me.

I was hesitant for many months to find help with my financial issues, I thought it wouldn’t be worth the trouble of trying to explain my issues but I found speaking with a rep from your company put me at ease in discussing my issues, there was no judgement of why my financial responsibility needed assistance, the representative was very helpful. Just explained in detail what assistance was available after reviewing my debt. I’m grateful to be able to look forward to a better financial future..

I received counseling from Accredited Debt Relief from an amazing representative, Sonny, who was more knowledgeable about his company and their systems than most debt relief company personnel. He helped me reason out what the possible outcomes could be doing the Beyond Financial program or other options. He did not hang up on me when I was asking thoughtful questions but continued to calmly instruct and direct me to clear thoughts on the matter. This is the very best and most immediate relief for my situation. So thankful I am not in this alone and Hardship cases like mine do occur. All the direction from Accredited and then the follow up with Christian at Beyond Financial, where they were in agreement and saying the same thing, made this much more peaceful to entreat. I actually got 8 hours sleep, unhindered for the first time in a long while. Today, I have several interviews lined up.

I was so behind with my stuff. However, this company Beyond Finance has really help me get back on track. I am more at ease and can relax more and be stress free from the calls. Thank you and I do appreciate it the lovely dedication, commitment and your service.

I had a great experience, was very well-informed of my options, and the services provided were catered to my needs. Although we are just in the early phase of this journey, I feel very assured that the process will be successful and the results positive with a win-win outcome for everyone at the end. I am feeling valued as a customer and that the case specialist will be with me every step of the way. I wake up breathing easier.

The person who I spoke with was amazing! She walked me through the process step by step, stopping when I had questions. She was helpful, informative and kind! I was very relieved when we hung up the phone.

I am just starting the process but the staff of Beyond has been very helpful and professional in getting me started down this difficult but necessary road. They explained all the many intricacies of the process very clearly and made sure that I understood before they moved on to the next subject. They did not rush through the process or attempt to gloss over any details. The people I spoke to guided me step by step, going at my pace through every page and detail to make sure I understood what I was agreeing to. Beyond is a top notch outfit that I would enthusiastically recommend to anyone in a difficult debt situation such as I am in.

I had great customer service. Les ** did an awesome job and got everything together. He deserves a promotion and a bonus. It was a smooth process, and it didn't take long. I enjoyed the conversation and the due diligence into getting my debt consolidated.

I liked the time and effort that he took the credit specialist to detailed everything and gave me a clear understanding of the process. I can't wait to see the results and become debt free. Thank you!

What an Awesome experience I had yesterday with Beyond Finance via phone contact! I am above and beyond pleased with the service my Manager Tony ** rendered unto me!! From the start, his friendliness along with his empathy, expertise in showing how much he cared to listen to me state my financial problem filled me with confidence, peace of mind and belief that after the call and the necessary steps to take were bound to be an extraordinary outcome that I will cherish for a lifetime!!! Thank You Mr. ** as well as your staff lawyer who informed me of my rights as a member and all of the perks that comes with joining forces with Beyond Finance to accomplish my goals, get myself in a reasonable place in my financial status again and watch within 3-6 months how my credit score will jump up to good and then to outstanding!!!

Everyone I spoke with was extremely knowledgeable, professional, and personable. They walked me through the process, answered all of my questions, and made me feel comfortable. The representatives went above and beyond my expectations.

These people are liars and scam artists. They don't do what they promise. I want my money back!!!! These people make too many statements that are not true whatsoever. I have put so much money in my dedicated account and they have done nothing.

Thankful for the assistance, very helpful and accurate with their information. Provided confidence with their answers. Would certainly recommend. Excited to start the process. Very kind, very knowledgeable.

I enrolled with Beyond Finance hoping to repair my credit and responsibly resolve debt. Unfortunately, the program left me worse off. Their fees were much higher than I realized, and the promised debt settlement loan option disappeared without notice. After two years, my FICO score has dropped significantly — nearly 50 points — instead of improving. Communication was also frustrating: different representatives gave conflicting answers, and threads of conversation were repeatedly dropped. Overall, the process was confusing and damaging to my credit. I cannot recommend Beyond Finance to anyone seeking reliable credit help.