The reps are nothing more than sales. Don't trust them to represent you in court. They told me they would... Now i'm stuck with no representation and they have $2500 of my money that I could have used to negotiate on my own with results that would be no worse. As for the accounts that have been settled, I received constant messages before completed that the payments were not being sent. When I contacted bf, they claimed the payments were completed and to just trust them. When the payments were finally made, they were late. I'm now facing a judgement with capitalone. They didn't settle! Capitalone decided to sue instead and only slightly reduced the total. If beyondfinance is late once, i'll be in default and have to fight them in court again.