Understanding the Program Stages in Your Client Dashboard

As a Beyond Finance client, you have access to your own Client Dashboard, a place for you to get questions answered, receive 24/7 support, and track your progress!

Specifically when it comes to keeping tabs on that progress, you’ll see an “Enrolled Debt” page with each of your accounts nested under one of six stages:

But what do these labels signify? Read on to discover exactly what it means for your accounts to be at each of these stages.

In Review

When you begin your program, your accounts will all be listed under this stage. At this point, creditors need to see proof of financial hardship (a period of delayed payment) and funds building in your Dedicated Account in order for our team to reach Resolution Offers for you.

We strategically delay our contact with your creditors, because reaching out too early can put future Resolution Offers at risk.

Creditor Contacted

If you see one of your accounts move to this stage, it means that — based on what our negotiations team knows about this creditor — it’s the perfect time to let them know we’ll be handling the debt on your behalf.

While an account in the “Creditor Contacted” stage isn’t necessarily ready for negotiations, it typically means that the “time” element in the “time + funds” equation (the key ingredients to reach a Resolution Offer) has been fulfilled.


When you see an account move to the “Negotiating” stage, this means our team is actively working on reaching a Resolution Offer with this creditor. 

You should be patting yourself on the back because you’ve done your part in helping our negotiations team to do their job! You’ve deposited enough funds for us to begin negotiations with the creditor. 

Remember that an account in the “Negotiating” stage doesn’t mean you’ll immediately see an offer — in fact, some clients may see an account go from “Negotiating” to “Creditor Contacted” and back again. This simply means that our team is engaged in a back-and-forth with your creditor to get you the best possible savings. 

Payments in Progress

If you have an account under the “Payments in Progress” stage, this means you’ve accepted an offer from the creditor and payments are going towards this Resolution Offer as well as Beyond Finance’s fee.* 

*We only begin collecting our fee when we’ve successfully achieved a Resolution Offer which you accept and at least one payment is made to the creditor. We collect portions of this fee as funds are available, always being careful to leave enough funds in place to fulfill the payment plans on your active payment plans. 

If your account with the creditor is still reflecting an outstanding balance and/or you’re receiving bills on the account, don’t worry! It typically means their system is behind. A Resolution Offer is a legally binding agreement as long as you continue to meet the payment terms.


Congratulations! When one of your accounts reaches this stage, this debt is behind you! 

You’ve completed the terms of the Resolution Offer and you’ve paid the Beyond Finance team for the work they put in facilitating the offer for you. Now your deposits will continue to go towards reaching and paying off your remaining accounts!

Final Words – Moving Through the Stages

We created the ability to see program stages in your Dashboard to give further transparency into your program’s progress. 

While it can be challenging waiting for your accounts to transition to the next stage, know that things are moving! Debt resolution is not an overnight process. While giving your Dashboard a glance every now and again can help you stay motivated, over-checking can make it feel like things are moving slower than they actually are.

Remember that each time you make a deposit, you are that much closer to your next offer. And each time you accept a new Resolution Offer, you are that much closer to graduating from your program debt-free.

If you’re not in our program but are interested in tackling your debt, click here for a free consultation!