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.

WORST COMPANY EVER We started working with this company in 2018. We were told the same information as many of the other customers. We had good credit, we were just looking to consolidate instead of paying multiple payments to different entities each month. We then spent 2 years fighting for information, waiting as our credit tanked and hearing nothing. In 2020 we stopped hearing from Timberline, despite reaching out. As of this morning we were contacted by a different company who stated that our account was sold to them and we could settle our account for $20,000.00. Original debt was $15,000 with payments of $750 per month for two years. This is insane. How can you so terribly misrepresent yourselves, DESTROY peoples credit scores, refuse to communicate and then SELL CUSTOMER ACCOUNTS TO A CREDITOR? I have reported this company to the BBB and am seeking legal counsel. Do NOT work with this business, they may not be committing fraud or be illegal, but they are definitely not ethical.

If I could give 0 stars If I could give 0 stars, I would. Don't walk, run away from this company that preys on people in a desperate financial situation. I have been given misinformation and have been promised actions repeatedly that have turned our to be blatant lies. This has been, by far, the worst experience with a company I have had in my 48 years of life. Don't be fooled by the empty promises and horrible customer service offered by these scam artists.

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.

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.