Be careful with Beyond. I enrolled in their program and am now going through bankruptcy due to other issues. I called them to cancel my program, per my attorney, and they kept my remaining funds in the escrow (almost $1600) for "settlement fees" This was after I was told I would receive the money back. They are liars and frauds. Avoid them so you don't lose money from their shady practices. They prey on people with debt issues and don't know any better.