Total Scam Total Scam. They claim to take charge, negotiate your accounts down and save you money. They contact the crediters and negotiate the amount owed down which I could have done myself but by the time they add in their fees you save little or nothing. Now the final insult. I enrolled 6 accounts. After I realised that these accounts become inactive and your credit destroyed I removed one account from the program so that I would still have an active credit account. Bare in mind that all of these accounts were up to date. I came to the program because I was about to go under. After negotiation one of the accounts was sent to litigation prior to being fully enrolled. Now four of the accounts have been paid off. The 5th has also been paid off but now I am told that I have to pay all of the litigation fees which is a very large amount so I will end paying more than I started with. As I said up front the program is a crock, preying on people that are over extended and in the end you have to rebuild your credit and move on.

Negligent I’ve had this company for over a year. Debts are still not settled and now I’m being sued by a creator of Bank of America. I trusted Timberline to consolidate in a timely manner and communicate with creditors to avoid this and now I’m being sued due their negligence. I I can’t even get a statement reflecting what’s been paid, reconciled or where we are in the process and it’s been a year!! How do I know if Bank of America has even been contacted. At this point Timberline is hurting me more than helping me, I want a refund and will go with another company. Ridiculous.

Best decision ever. Best decision I made. This company helped me with my debt. Now I can say I'm debt free. Excellent customer service, excellent resolutions. I had a lot of credit cards debts and they helped me to reduce for less than I was supposed to pay. Thank you Timberline for making me free of debt.

Patti was very responsive and answered… Patti was very responsive and answered every question I had. She was extremely helpful - and personable! Robert Gallego with Versara-not as impressed. I was told that Timberline has to change out their phone number ever so offer so it isn't recognizable. When I asked what type of interest Versara charges, I never got a clear answer. When I got my denial letter, do to "missed payment's "with Timberline. What a total waste of time, he never bothered to look at my account. Very shady!!! However, I love Patti!!!! :)

Do NOT work with this company! Do NOT work with this company. They do not work proactively for you and charge outrageous fees! The amount they so call negotiate for you is only doubled because of the fees they charge. They do not explain things, you constantly have to hound them to do what they promised. Once you sign the contract, you won't hear from them again. You are better off negotiating with the credit card companies directly or find another agency.