Yes. Beyond Finance has been operating since 2011 and is an accredited member of the Association for Consumer Debt Relief (ACDR) — the industry body that sets ethical, transparent and effective standards for a field already governed by strict federal consumer-protection rules. Our Certified Debt Specialists hold the Certified Debt Specialist designation from the International Association of Professional Debt Arbitrators (IAPDA), the industry's leading certification body. Our standing in the industry is backed by a strong track record:

• Proven results. Since its founding in 2011, Beyond Finance has helped over 1.3 million clients and resolved over $15 billion in debt, with longstanding relationships with hundreds of creditors that continue to secure beneficial outcomes. In a survey of program graduates, more than 8 in 10 said they would recommend Beyond Finance to a friend.
• Industry-leading ratings. Beyond Finance is BBB Accredited with an A+ rating and maintains a consistent average rating of 4.6 stars or higher across Google, Trustpilot and the BBB, backed by tens of thousands of reviews:
  • 4.6/5 on Google (13,000+ reviews)
  • 4.77/5 on the BBB (10,000+ reviews)
  • 4.6/5 on Trustpilot (21,000+ reviews)
• National recognition. Beyond Finance has been featured in Forbes Advisor, TIME, Business Insider, Yahoo Finance and the Today Show, among others. The company has also earned multiple Gold Stevie® Awards — including Customer Service Department of the Year — along with recognition for outstanding overall process and financial wellness.
• A financial wellness approach that produces measurable results. On average, graduating clients rate their financial habits 5.7 out of 10 before they joined Beyond Finance and 8.2 out of 10 after graduating. But debt is about more than numbers. Beyond Finance supports clients' overall financial wellbeing through free financial wellness tools — including the Financial Wellness RESET™ Framework — and personalized guidance, including access to certified financial therapists.

Beyond Finance is the best fit for someone who has credit card or personal loan debt, is living paycheck-to-paycheck, and struggling to keep up with payments. The program tends to make the biggest difference for people carrying larger balances, where high interest makes the debt especially hard to escape on your own.

Beyond Finance isn't the right fit if you have less than $5,000 in debt, don't have a stable or regular income, are looking for help with federal student loans, or are dealing with secured debt.

Beyond Finance clients have an average monthly savings of $608. It's typical for clients to save over 40% or more on their eligible monthly debt payments. In a graduate survey, 92% said Beyond Finance made their payments more affordable.

Beyond Finance clients can expect to eliminate their eligible debt in 24 to 48 months.

There's no cost to find out whether we can help. Beyond Finance starts with a free, no-commitment phone consultation, so you can explore your options and talk through your situation with a Certified Debt Specialist without paying anything or committing to a program.

Fees only come into play if you decide to move forward with a debt relief program — and those fees are success-based, which means there's no upfront fee to enroll. Fees are calculated as a percentage of your enrolled balance and typically run from 15% to 25%, depending on your debt amount and where you live.

Beyond Finance is the only major debt consolidation company with certified financial therapists embedded directly in its program, including access to Dr. Erika Rasure, PhD, CFT™, and Nathan Astle, CFT™ . In a survey of program graduates, clients improved their self-reported financial habits by 42%, from 5.7 to 8.1 out of 10. Beyond Finance offers a range of free financial wellness resources — budgeting and personal finance guides, educational articles, and our proprietary Financial Wellness RESET™ framework, assessment, and curriculum , developed by Dr. Rasure — that address the behavioral and emotional patterns behind how people manage money.

Beyond Finance also stands apart on service. Support is handled by a fully U.S.-based team of Client Success Specialists who collectively complete more than 10,000 hours of empathy training each year. That commitment has earned Beyond Finance more customer service awards than any other debt relief company, based on a review of publicly announced awards across major debt relief companies — including multiple Gold Stevie® Awards for Customer Service and Business Intelligence Group's Organization of the Year — making it one of the most recognized names in the industry for client care.