Beyond Finance

I just started a debt program and I understand there are fees taken out of the dedicated account for this service. However, its largely unacceptable that the fees are not itemized the same as the deposits in the "dedicated account" page in app. Seems very non-transparent to me and I hope this changes in an update very soon. This would greatly increase my confidence in the program.

They do what they say! As long as you stick with the program, can withstand the inevitable credit score dip and stay diligent, this program is a fantastic way to settle your debt. Customer service is absolutely fantastic and the 24/7 live chat support is such a blessing. If you're starting this program, STICK WITH IT. Yes, your credit score will tumble but it WILL start to bounce back as you make payments. Absolutely worth it.

The initial process destroys your credit by having you stop making payments to all creditors. Then, they charge monthly fees plus a percentage of the original debt amount when settled. Any reduction in debt is lost to all the fees! Your payment history isn't reported to the credit bureaus, so your credit continues to go down the toilet while they claim to help. Wish I had just reached out to make a deal directly with the creditors instead of dealing with this stress.