I am hopeful that this will be a good hard reset for my credit and financial situation. I have 30k of credit card debt enrolled in the program. I am currently super nervous about the steps of the program, but everyone at Beyond Finance has been super helpful and answered every question I have. The one thing that is making me the most nervous is that I have to stop making my minimum payments. As bad of a situation as I am in with my debt, I have NEVER allowed myself to miss a payment, so this requirement makes my gut turn inside out, but I do understand the point of it… the thing that I enjoyed the most was the option to cancel the program at any time if I decide it isn’t worth it. Although for me, today will be my first held payment from a creditor, and I feel like once that happens I just gotta go with it. I just hope this is all worth it in the end and I hope I can get through to the other side super quickly and wash my hands of my stupidity and the daily reminder of all the bad financial decisions I have made in the past. Will provide an updated review once I have completed the program.