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.

Been in the program since 2018 Been in the program since 2018, not all creditors we're negotiated with, payments skipped, still thousands of dollars due and horrendous fees! I have checked my credit report, some accounts are not even showing on the three reports and 2 are charged off. Not giving these people another dime! James Fowler II

It is a regret. The person I spoke with, in the call center, was as helpful as she could be. It is not her fault. Rather it is Timberline's method of customer service. The web site shows inaccurate information, there is no record of the amount paid, current balances, or other information about the accounts. Very frustrating company to deal with. I regret having enrolled in this program.

This company is the worst I have ever… This company is the worst I have ever dealt with in my life! I have used other companies and even filed bankruptcy before. But I asked for help and this company has failed me horribly!! I signed up with a plan and have kept my side of it but they have not. I am paying way over what I should have to begin with. I was sued last year and again being threatened to be sued again. They take my money every month and I get no where but in deeper trouble. Please do not use this company!!! They lie and steal your money!!!

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.