Chapter 1: That Time I Cried in the Break Room
Three months into my job at Beyond Finance, I found Jessica from Collections sobbing over the office Keurig. “They promoted me today,” she hiccuped, mascara everywhere. “Because I got a widow to pay by threatening her dead husband’s cosigner.”
This wasn’t what we signed up for when we got those shiny Finance degrees, was it?
The Assessment Lie Detector
They claim these tests evaluate your:
✓ Financial knowledge
✓ Risk assessment skills
✓ Customer service approach
What they’re really testing:
✓ How well you can justify predatory practices
✓ Your ability to ignore human suffering
✓ Whether you’ll question authority when told to break ethics laws
Real Assessment Questions Decoded
Question 12: “A client with $15,000 medical debt wants to pause payments after losing their job. Do you:”
- A) Offer hardship plan (WRONG – hurts collections metrics)
- B) Suggest credit card balance transfer (CORRECT – creates more debt to collect)
- C) Connect them to nonprofit resources (INSTANT FAIL)
Pro Tip: Always check if they have:
- A working car → Could DoorDash to pay us
- Elderly parents → Potential guilt-payment source
- Life insurance → Some policies can be leveraged
The Dark Psychology Behind the Tests
They use modified Stanford Prison Experiment techniques:
- Gradual escalation: First week = “Help clients!” Third week = “This Karen won’t pay her $8,000 balance”
- Dehumanization: Clients become “accounts” with “recovery potential percentages”
- Reward systems: Pizza party if your team extracts 110% of target
Chapter 2: How to Cheat the System (And Still Sleep at Night)
The “Oops I Disconnected” Trick
When desperate clients call:
- “Accidentally” mute when they start crying
- Whisper “Google [Your State] debt relief programs”
- “Reconnect” with “So sorry, bad signal! As I was saying…”
The Magic Words That Bypass Compliance
Instead of illegal advice, say:
“If this were MY debt, I’d personally research…”
“Some people find success contacting…”
“The internet has interesting options for…”
Chapter 3: The Assessment Answers That Actually Work
For the “Ethics” Section:
- Never admit you’d break rules
- Always frame cruelty as “firm guidance”
- Example: “While I empathize with cancer patients, consistent payments build financial discipline”
For the “Risk Assessment” Part:
- Good Answer: “Run credit check for hidden assets”
- Better Answer: “Check Facebook for vacation photos proving they can pay”
Chapter 4: When the Guilt Gets Too Heavy
Signs You Need to Quit:
- You recognize client voices from previous calls
- Your dreams involve repossessing your grandma’s oxygen tank
- You start calculating friends’ “collection potential” at brunch
Exit Strategies That Won’t Blacklist You:
- The “Family Emergency”
“My cousin needs full-time hospice care” (They never verify) - The Career Pivot
“I’m pursuing my true passion – underwater basket weaving” - The Nuclear Option
Forward incriminating emails to the CFPB right before resigning
Chapter 5: What Happens to the “Winners”
Meet Brad – 2023’s Top Collector:
- Repossessed 17 cars from single parents
- Got promoted to Director
- Now takes Xanax with his $200 Starbucks order
The Bitter Truth
That “Top Performer” plaque costs:
- Your ability to enjoy holidays (everyone owes money in December)
- Your dating life (try explaining your job on Tinder)
- Your soul (non-refundable)
Your Survival Toolkit
- The Secret Calculator Codes
- 8374 + CLEAR = Shows real interest rates (not the ones you quote)
- Client Types & How to Handle Them
| Type | Weakness | Script |
|---|---|---|
| New Widows | Grief | “John would want his credit protected” |
| Teachers | Guilt | “You’re a role model – show financial responsibility!” |
| Veterans | Pride | “After serving, surely you honor commitments” |
- The Get-Out-of-Jail-Free Script
“Per company policy, I must advise against this… [wink wink]”
Final Confession
I lasted 11 months. My final act? Emailing every client in my “Closed Accounts” folder with:
- Actual state debt relief resources
- Instructions to demand validation letters
- A GIF of a middle finger
HR called it “termination for cause.” I call it early retirement.
Need More?
Slide into my DMs for:
- The forbidden assessment answer key
- Scripts to tank your metrics (on purpose)
- How to spot when they’re recording your calls
This isn’t career advice. It’s a hostage survival manual.
— [Your Name]
Former Debt Warrior
Current Menace to the Collections Industry
Frequently Asked Questions (FAQs) About Beyond Finance Assessments
1. What’s the REAL purpose of Beyond Finance’s assessment tests?
They claim it’s about “financial ethics” and “risk management.” Truth? It’s a loyalty test—can you follow unethical orders without question? If you hesitate on squeezing money from struggling people, you “fail.”
2. Are the assessment answers available online?
Yes, but BEWARE—most “sample answers” are fake corporate propaganda. The real answers teach you how to:
- Spot “emotional leverage points” in clients
- Justify high-interest repayment plans
- Ignore your conscience when denying hardship requests
3. What happens if I fail the assessment?
- First time: “Coaching” (a.k.a. gaslighting) about “not being team-driven.”
- Second time: Shadowing a top collector who’ll teach you psychological manipulation.
- Third time: “Performance improvement plan” (a.k.a. pre-firing paperwork).
4. How do I pass without selling my soul?
The 80/20 Rule:
- 80% of answers: Follow the script (cold, corporate-approved).
- 20% loopholes: Sneak in real help (e.g., “Some clients find relief via nonprofit credit counseling—just saying!”).
5. Can I refuse to push predatory plans?
Technically yes, but they’ll:
- Cut your bonuses
- Assign you the worst accounts (e.g., elderly, disabled)
- Label you “not a culture fit” (code for “too ethical”)
6. Do they monitor my calls after the assessment?
ABSOLUTELY. They track:
- Sympathy level (too much = red flag)
- Payment extraction rate (below 70% = probation)
- “Upsell opportunities missed” (not pushing extra loans = fail)
7. What’s the trick to the “ethical dilemma” questions?
Always pick the answer that:
- Prioritizes company profit
- Blames the client (“Poor planning on your part…”)
- Includes the phrase “while I empathize, policy requires…”
8. Will I get in trouble for helping clients?
Depends how sneaky you are:
Safe: “The internet has debt relief resources.”
Firable: “Call this lawyer—they sue companies like ours.”
9. Why do assessments feel like psychological manipulation?
Because they are. The tests:
- Break down your morals gradually.
- Reward you for cruelty (bonuses, promotions).
- Isolate you from coworkers who “don’t get it.”
10. How do I quit without burning bridges?
The “Health Scare” Exit:
- “My doctor said this job is spiking my blood pressure.”
- Works 90% of the time (they fear lawsuits).
Bonus: Pro-Test Cheat Codes
Press 0 during calls = Sometimes disconnects (oops!).
“System glitch” = Buys time to whisper real advice.
“Per compliance…” = Magic words to avoid blame.
Still stuck? DM me—I’ve got the real answer key.
