Fifteen to twenty-five percent of enrolled debt, at both. Beyond Finance and Freedom Debt Relief quote the same fee band in twenty twenty-six, so the differences sit elsewhere.
General information, not professional financial, tax, legal, or insurance advice. The Dreamy Leads Research is an editorial and data team, not a licensed advisor.
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Chapters
- 0:00 The same 15–25% fee band and 24–48 month programs at both.
- 0:13 I. Side by side
- 0:38 II. How both programs run
- 1:00 III. Settlements and costs
- 1:30 IV. Who is behind each
- 1:42 V. Where they differ
- 1:56 VI. What drives outcomes
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Full transcript
I. Side by side
The comparison's table puts both typical fees at fifteen to twenty-five percent of enrolled debt, varying by state and debt size rather than brand, and both typical programs at twenty-four to forty-eight months. Beyond Finance has operated since twenty sixteen, with older brands, and Freedom since two thousand two.
II. How both programs run
Structurally the programs mirror each other. Payments on enrolled cards stop, monthly deposits go into a dedicated FDIC-insured account, and negotiators settle accounts as balances season. Under the FTC's advance-fee ban, neither charges before a settlement is reached and approved.
III. Settlements and costs
Both advertise typical settlements near fifty percent of balances, before fees of fifteen to twenty-five percent of enrolled debt. The costs come with it: enrolled accounts go delinquent, scores drop during the program, and settled accounts carry a negative notation for seven years. A separate comparison notes that forgiven amounts over six hundred dollars are reported on Form ten ninety-nine C.
IV. Who is behind each
Beyond Finance operates the Accredited Debt Relief brand. Freedom's parent is Achieve, and both Beyond Finance and Achieve appear on the ACDR member list.
V. Where they differ
The differences the page reports are procedural: Freedom's creditor coverage list runs longest, and Beyond's client dashboard includes per-settlement approvals. Both are available in most states, which vary.
VI. What drives outcomes
The FAQ says completing the full twenty-four to forty-eight months drives outcomes more than brand choice. The full comparison is free at Dreamy Leads Research. What state are you in, and what percent of the balance did you settle for? Tell us in the comments.
Frequently Asked Questions
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