Through the company’s Beyond Debt Now giveaway, clients’ lives are transformed with a huge financial leg up.
Beyond Finance, the nation’s largest debt consolidation company, announced Nizeth Ramirez, a California mom of four, as one if its recent Beyond Debt Now winners. Launched in 2022, the monthly giveaway is one of the ways Beyond Finance goes above and beyond to support clients. Through the initiative, the company pays off a portion — or sometimes the entirety — of a client’s enrolled debt, delivering life-changing relief alongside its core services.
Ramirez’s journey started when she realized she couldn’t continue “paying the card, using the card, paying the card, using the card” anymore. She said, “I was thinking, there has to be something that can help me … I found Beyond Finance and, from the very first call, I felt real empathy and a plan. It was such a relief.”
She called out Beyond Finance for their team’s guidance and the simplicity of their app to help her stay on track: “It made something that could feel scary feel manageable.”
Ramirez began working with Beyond Finance in November of 2023 and, with the company’s support, shortened her projected repayment timeline from roughly 11 years — based on minimum payments — to four and a half years. Now, through the Beyond Debt Now program, she’ll have reached a debt-free life in just over two years.*
The moment she learned she’d won the Beyond Debt Now giveaway is one she says she’ll never forget. “I was parked outside the bank with my son when I got the call,” said Ramirez. “When they told me I’d won, I couldn’t hold back the happy tears. I felt free. It was like a weight lifting off my shoulders.”
“Stories like Nizeth’s are why we do this work,” said Lou Antonelli, Chief Operating Officer at Beyond Finance. “She’s devoted to her kids, committed to doing things the right way, and she kept going. We’re honored to help her turn the page and move forward with confidence.”
Ramirez says the experience has reshaped how she thinks about money and the future. “Beyond Finance gave me tools, support, and hope. I’m holding myself accountable not to end up in that cycle again—and I want my kids to learn from this too. Today, I feel lighter and so grateful.”
Beyond Finance team members nominate clients who inspire them for the Beyond Debt Now giveaway. Since its launch in 2022, the giveaway has helped client winners eliminate over $800,000 of debt.
To learn more about how Beyond Finance helps clients eliminate debt and reclaim their financial futures, visit www.beyondfinance.com.
About Beyond Finance, LLC
Beyond Finance, LLC, is the nation’s largest debt consolidation company. In its commitment to providing clients with a personalized approach to move beyond debt, Beyond Finance provides simple and transparent solutions that help consumers lower their monthly payments, reduce the impact of interest, and reach a debt-free life sooner. Beyond Finance holds an A+ rating with the Better Business Bureau and has been awarded with multiple recognitions for its commitment to clients: Organization of the Year – The Business Intelligence Group’s Excellence in Customer Service Award, Gold Stevie Award for Outstanding Customer Service Department, Banking Tech Award – Financial Wellness Champion, and 3 ConsumerAffairs’ “Buyer’s Choice Awards.” Beyond Finance has offices in Chicago, Atlanta, and Houston. For more information, visit BeyondFinance.com.
*Debt-free refers to eligible debts serviced by Beyond Finance and not mortgage, car payments or similar.