your beyond finance welcome kit

Your Beyond Finance

Welcome KitA Guide for Your Debt Resolution Journey

“ The people at Beyond Finance are very helpful and informative! Someone has been with me every step of the way while working to resolve my debts for a fraction of what they were! ”Travis M., California†

Congratulations!

You’re beginning a journey toward a brighter financial future, free from the stress and burden of your debt. Your program has been customized to reduce the amount you owe, resolve your debt more quickly and help you achieve your financial goals.

This Welcome Kit will guide you on your debt relief journey. Refer to it whenever you have a question about where you are or what comes next.

Succeed from the Start

Clients who complete their program successfully practice these three habits:

1 2 3Stick to Your Schedule:

Help the debt resolution process run smoothly by making consistent and on-time deposits.

Keep in Touch:

We’re here for you. Our most successful clients stay connected with our Client Success Team and respond quickly when new terms and agreements have been reached.

Track Your Progress:

Your debt won’t disappear overnight, but if you stick to the plan, we’ll help you leave your debts behind you. Visit your Client Dashboard at www.beyondfinance.com to track your progress.

ContentsYour Debt Resolution Journey 2

Your Client Dashboard4

Your Dedicated Account6

What Do I Do If… 10

Approving Your New Agreements12

Moving Beyond Debt14

Staying Connected16

Thank you for choosing to partner with Beyond Finance in your debt relief journey. We’re committed to providing you with guidance, support and significant savings throughout the course of your program.

We’ve already helped thousands of clients like you regain their financial footing. Enrolling in your new program, which has been customized to best fit your needs, is the first step to achieving financial freedom. Our experienced team is here for you every step of the way, and we look forward to helping you overcome your debt.

Please reach out to us at any time to address any questions or concerns. We are grateful for the opportunity to guide you on your financial journey.

Welcome to Beyond Finance

Lou Antonelli, Chief Operating [email protected]

The Resolution Process8 Our accredited team is here for youHow we work with your creditors to reduce

your debt

Preparing for the finish line and your debt-free future

Learn what it is and how it works

Putting your debt behind you, one resolved account at a time!

24/7 access to your program

An overview of your program Our experienced team can help!

| 1(800) 282-7186 | beyondfinance.com

(800) 282-7186 | beyondfinance.com | 2

Your Debt Resolution Journey

Prepare and Save New Terms and Agreements

Build Your Savings

While we’re working on resolving your debt, you can focus on making monthly deposits to your Dedicated Account and following a budget that gives you financial freedom. On-time deposits help power your program and keep things moving on schedule.

More info on pg. 6

Access Your Client Dashboard

Log in to your program online at www.beyondfinance.com to review your program deposits, see creditor details, view new terms and agreements, and access helpful FAQs.

More info on pg. 4

Let’s begin with a brief overview of how your debt resolution plan works.

Approve New Agreements

Once we’ve locked in new terms and agreements with one of your creditors, we’ll contact you to approve it.

More info on pg. 12


Pay Reduced Balances

After you approve your new terms, funds from your Dedicated Account will be sent to your creditor according to the new agreement. You can prepare for the next agreement our team reaches by continuing to make your scheduled deposits into your Dedicated Account.

More info on pg. 12

Graduate

Congratulations! With teamwork, determination and dedication, you’ve paid off all of your enrolled debts and graduated from your program!

More info on pg. 14

Payoff Graduate

Your Debt Resolution JourneyA continued overview of how your debt resolution plan works.

Program Timeline

We’ll repeat the saving, resolving and paying process as many times as needed in order to pay off all of your debts. While the timing will vary depending on how many accounts you have enrolled, most programs take 12 to 48 months to complete.

Accelerate Your Path

If you’re looking to speed up the process, consider increasing your monthly deposits or making extra, one-time deposits when possible.


Your Client DashboardAccess your program online 24/7 at www.beyondfinance.com.

Accessing Your Program Online Lets You:

• See upcoming settlements• View your deposits, creditor details and

program benefits • Track your program’s progress, including

resolved debts and monthly savings • Access helpful FAQs • Chat directly with our Client Success Team

There are two ways to access your Client Dashboard:

Go to www.beyondfinance.com and log in on our homepage.

Download the Beyond Finance app on Google Play or the Apple App Store and log in on your mobile device.

Verify Your Initial Deposit Date and Amount

Your initial deposit date and deposit amount were set up during your program enrollment. Please log on to your online program and confirm that date and amount. If you have any questions, please call us at (800) 282-7186.

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Download the Beyond Finance App

Use these QR codes or search for “Beyond Finance” in Google Play or the Apple App Store.

Android iPhone

“ The information is always available on the Client Dashboard. I‘ve been in my program for less than a year, and I‘ve already paid off two accounts. ”Martha G., New York†

Click here to visit the Google Play page.

Click here to visit the Apple App Store page.

https://play.google.com/store/apps/details?id=com.beyond&hl=en_US&gl=US

https://apps.apple.com/us/app/beyond-finance/id1545633608

https://play.google.com/store/apps/details?id=com.beyond&hl=en_US&gl=US

https://apps.apple.com/us/app/beyond-finance/id1545633608


Your Dedicated AccountYour Dedicated Account powers your debt resolution program. Growing this account strengthens our ability to reach new terms and agreements with your creditors and resolve your enrolled debts.

Account Overview:

Your Dedicated Account, sometimes referred to as an “escrow” or “special purpose” account, is administered by Crossroads Financial Technologies. The account is:

Opened In Your Name

Fully Owned And Controlled By You

FDIC Insured

Accessible Online

This helps to do the following:• fuel the debt resolution process• quickly pay agreed-upon resolutions• speed up our ability to negotiate new agreements

on your behalf

Beyond Finance understands that life might throw you a financial curveball, and you may need to adjust your deposit schedule if the unexpected happens. That’s perfectly okay! We’ll gladly work with you to make any necessary adjustments. Be sure to contact our Client Success Team at least five business days before your scheduled deposit date so that we can pause any scheduled electronic withdrawals.Stay On Track By Making

On-Time Deposits

The best way to ensure that your program runs smoothly is to stick to the deposit schedule that was established when you enrolled.


Speed Up Your Journey!

Whenever possible, putting more money towards your monthly deposit through additional one-time deposits can accelerate your progress through the program.

For example, when tax season rolls around, some of our clients deposit their tax returns into their Dedicated Account on top of their regularly scheduled deposits. The faster your Dedicated Account balance grows, the earlier we can resolve your enrolled debts. This can also lead to you completing your program sooner than planned!

For more help with making additional deposits, please contact our Client Success Team at (800) 282-7186 or [email protected].

Program Deposits and Your Credit Score

Delaying your creditor payments gives us the leverage we need to resolve your debts, but it can also impact your FICO score. However, you are laying the groundwork for us to lock in new terms and agreements by redirecting your payments to your Dedicated Account. Ultimately, your creditors want to receive some money rather than no money at all; making them wait for payment encourages them to lock in new terms and agreements.

The most important thing to remember is that you are the one with the control — not your creditors. The quicker you get through the program, the quicker your overall creditworthiness can begin to improve. Additionally, many of our former clients have reported full credit score recovery and improvement after graduating from their debt resolution program.

Set Your Reminders:

Mark your calendar with the days your deposits are scheduled to hit your Dedicated Account.

Set a reminder a week before your scheduled deposit days to make sure you have the funds.

Alert us at least five business days ahead of time if you know you won’t be able to make a scheduled deposit.

“ I’m looking at the settlement offer right now: I owed $4,800 and they knocked it down to $2,400 so that’s a good chunk of money. ”-Susan P., New York†


The Resolution ProcessOnce you begin your program, our team gets to work! While results can vary, most of our clients receive their first resolution offer within the first four to six months of their program start date.

Change Takes Time

It’s important to remember that debt resolution isn’t a quick fix. Our team prioritizes your accounts and reaches out to each creditor in strategic intervals to maximize your total savings.

Fortunately, teaming up with Beyond Finance can help speed up the process. Our clients are usually able to settle their enrolled debts in 12 to 48 months if they stay the course.

“ As soon as I got off the phone with him, I had a warm and fuzzy feeling, like: this is going to work. This is going to help me with my goal. This is going to help me out in the long run.”Cameron P., Oklahoma†

Should you experience a sudden change, such as a financial hardship, change in income or change in enrolled debt, let us know as soon as possible. We’re happy to work with you and make adjustments to ensure your success.

Keep Us Updated

Your program has been customized to best fit your needs and financial circumstances.


Focus on the Outcome

We’ve found that our most successful clients tend to do three things during this period:

They ignore and block repeated calls from unknown numbers.

They log in to their Client Dashboard regularly to check for program updates.

They keep in touch with us and reach out with any concerns.

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What We’re Doing While You’re Saving Up

While you’re growing the balance in your Dedicated Account, we’re prioritizing your accounts and reaching out to your creditors at strategic intervals to receive better terms and agreements on your behalf. Depending on the types of creditors you owe money to, it can take four to six months before you receive your first resolution. If you have any questions about your program‘s progress, please reach out to us! These are the best ways to keep in touch: • Live Chat: www.beyondfinance.com• Call: (800) 282-7186• Email: [email protected]

Our Best Advice:

Keep making your deposits and building up the funds in your Dedicated Account.

Stay in touch with us.

��Continue to let us deal with your creditor calls.


What do I do if…Our experienced team has seen it all, and we’re happy to help you navigate whatever comes your way. Need help with something else? Reach out to our Client Success Team at (800) 282-7186.

“... a creditor contacts me on the phone?”

While we encourage our clients to avoid answering calls from unknown numbers, we know that creditors and debt collectors can use tricky tactics to avoid contacting us and get you on the phone instead. If you do find yourself on the line with a creditor, keep the conversation short. We recommend this response:

“I’m experiencing a financial hardship. I intend to address the debt through debt settlement, but I cannot pay at this time.”

After you’ve finished your call, please reach out to our Client Success Team and let them know which creditor contacted you, when they called, what number they used and what they said. We’ll handle the rest!

We also recommend that you block the number that the creditor called from.

“... a creditor sends me an email or a letter?”

Sometimes creditors will send written communications to you directly in an attempt to avoid working with us.

If you receive a new statement, settlement offer or creditor correspondence, please send a copy to our Client Success Team.

• Emails: Forward to [email protected]

• Paper Documents: Scan a copy or take a picture of the entire document, then email it as an attachment to [email protected] or send a fax to (888) 495-4207.


“... a creditor brings up potential litigation?”

The Beyond Finance team has a long history of successfully resolving debt with hundreds of different creditors. However, there are some rare instances where creditors take a more aggressive approach. Let us know right away if a creditor threatens legal action on your debt.

Depending on where you live, you may have elected to join a legal assistance program at enrollment. If you have not yet elected to join, you may still be eligible - contact us at (800) 282-7186 for more details.

“... my debt is moved to a new creditor or a debt collector?”

Creditors sometimes sell debts to other creditors or collections agencies if they are unable to receive payment. If this happens, let our Client Success Team know as soon as possible. Please send a copy of any correspondence regarding the creditor change to us via email at [email protected] or via fax to (888) 495-4207. This lets our team know who they should now contact to work towards a debt resolution.

How To Block Numbers

Are you receiving persistent, disruptive calls from creditors? Follow these sim-ple steps to block callers on your mobile device.

iPhone• Open your Phone app• Tap the “Recents” tab at the bottom

of the screen• Select the “i” symbol next

to the unwanted number• Scroll down and tap

“Block this Caller”• Select “Block Contact”

Android• Open your Phone app• Select “more”• Select “Call history”• Tap the number that

you want to block• Select “Block/Report Spam”• Confirm that “Report Spam” is

checked, select “Block”

“... I need to adjust my deposit schedule?”

No matter the circumstance, our team is happy to work with you to adjust your deposit schedule. Please contact our Client Success Team at least five business days before your scheduled deposit date so that we can pause any scheduled electronic withdrawals.


Approving Your New AgreementsSigning off on your first debt resolution agreement is a cause for celebration and a sign of good things to come!

Approving New Terms - What Happens Next?

Funds from your Dedicated Account will be sent to your creditor according to the new agreement.

You’ll keep making your scheduled deposits into your Dedicated Account as we work on resolving the rest of your enrolled debts.

Once all of your resolved debts have been paid off, we will send you a certificate showing your total savings, which takes into account our program fee.

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Once Your New Agreement is Fully Paid

After you’ve paid off the resolved debt amount to each creditor, they might tell credit reporting bureaus that your account is settled (or paid, paid by settlement, settled in full, or settled for less than the full amount). One less debt on your shoulders — nice work!

Program Fees

Beyond Finance‘s programs have no upfront fees, which means our team doesn’t make a penny unless we successfully lower your enrolled debt. Our fees are performance-based, incorporated into your program deposits, and contingent on our success with reaching more favorable terms and agreements with creditors on your behalf.


Paying Tax on Your Savings?

In general, forgiven debts can be taxable. When tax time rolls around, you may receive a Cancellation of Debt form (1099-C).

Talk to your tax advisor to learn more about your specific financial situation and the potential tax implications that may come with your resolved debts.

“ It was awesome that he said they were going to handle everything. I wouldn’t have to really talk to any creditors or collectors, which was a big relief for me because I just didn’t have time back then to do that. ”David H., Texas†

Stay on Top of Your Resolved Debts:

Settlement offers from creditors often come with an expiration date, and we can‘t move forward without your approval. If we reach out to you regarding new terms and agreements, please respond as soon as you can.

Check in with your tax advisor about any taxes you may owe on your forgiven debts.


Moving Beyond DebtYou don‘t have to wait until all your debts are resolved to start making improvements to your overall financial health. You have the power to reset your approach to money now.

Adjusting Spending and Saving Behaviors

It‘s likely that you‘ll make adjustments to the way you spend and save your money between now and your program graduation. These behaviors don‘t have to stop when your enrolled debts are resolved! Positive habits like following a budget, minimizing credit card use and setting money aside for future goals can all help keep you and your finances ahead.

Managing Financial Stress

Dealing with debt can be a draining and stressful process. It’s normal to feel anxious or confused at various times throughout your debt resolution journey. If you are feeling uneasy at any point during the program, please don’t hesitate to get in touch with us — we have tips and resources that might help!


“ Beyond Finance’s strength would be their customer service: how well‐trained their employees are and whatever they do on their end for record‐keeping or client files. It’s very clear that anyone who picks up is able to talk to me about my situation with validity. ”Eden R., Texas†

Planning Your Financial Future:

Set up a new budget that includes your program deposits.

Check in with us for tips and resources for dealing withfinancial stress.

��Follow Beyond Finance on Facebook, Twitter and Instagram for personal finance tips and financial inspiration.


Staying ConnectedContact Us

The Beyond Finance team is ready to support you throughout your program, so feel free to reach out to us at any time. We look forward to helping you along your debt resolution journey!

How To Reach Us

Toll-Free: (800) 282-7186 Email: [email protected]: www.beyondfinance.com

Hours Of Operation Monday-Thursday: 8 AM – 8 PM ESTFriday: 8 AM – 7 PM ESTSaturday: 10 AM – 6 PM EST

Sending Documents

Email: [email protected]: (888) 495-4207

Additional Services

Depending on where you live, you may have elected to join the Better Life Plan during enrollment. This legal assistance service provides additional protection and peace of mind throughout the course of your program.

If you have not yet elected to join, you may still be eligible. Contact us at (800) 282-7186 for more details.

†Testimonials reflect the individuals‘ opinion and may not be illustrative of all individual experiences with Beyond Finance.*Note: email submissions can be scanned copies or a clearly

taken picture sent as an attachment

Connect With Us

Follow us for personal finance tips, inspiration for your debt resolution journey and the latest news from Beyond Finance.

@beyondfinancedebtrelief @MoveBeyondDebt www.facebook.com/MoveBeyondDebt/


-Tom H., Michigan†

“ I‘m really happy I found Beyond Finance. I was in a huge amount of debt and was struggling to make ends meet. They turned that around because they gave me one low monthly payment and helped me settle my debt so I could live life again. ”

Leaders in Debt Relief

Thank you for allowing us to help you on your journey towards a brighter financial future.

We’re proud to have helped individuals across the country overcome their debt. We look forward to providing the same quality service to you throughout your program and beyond your graduation.

www.beyondfinance.com

[email protected]

(800) 282-7186

(888) 495-4207

Client Dashboard:

Email:

Toll-Free:

Fax:

@beyondfinancedebtrelief @MoveBeyondDebt

www.facebook.com/MoveBeyondDebt/

Last updated May 2021