As a leading financial services company with a focus providing debt relief programs for consumers and small business owners, our team of knowledgeable and compassionate debt consultants work closely with our clients to understand their needs and concerns and develop a personalized program to help them become debt free in the shortest time possible. Prior to enrolling in one of our programs, we will provide you with a clear written plan you can review to decide if a debt resolution program is right for you. And you can rest assured that you will never pay a fee to our company until we have resolved a debt for you.While no two clients we serve have the same set of financial circumstances or debt load, we work with clients every day, from all walks of life, who have one thing in common; a desire for a fresh start and a life free from the burdens of high-interest credit debt. If you are struggling to meet your minimum payments, or have been unable to make several recent payments on one or more credit card accounts, our debt resolution program may be the solution you have been seeking to get your financial life back on track. Call us today, and let one of our specialists discuss your situation and provide you with options you can evaluate to determine if we can help.
Timberline Financial (timberlinefinancial.com) has 548 customer reviews on Five Star Index, with an average rating of 4.0 out of 5.
Also known as
timberlinefinancial.com
Website
timberlinefinancial.com
Category
Legal Service Providers
Location
New York, New York
Listed on Five Star Index
2026
About these reviews
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The company replied to 80% of reviews.
Latest
Most recent review: June 2025.
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We are in challenging times, glad to see we get support from our partners. Appreciate your continuous support.
Response from Timberline FinancialApr 1, 2020
Hello -
Thank you for being a valuable client. We are thrilled to know your experience with us has been a good one.
It's our goal to provide a positive and memorable experience - one in which you feel informed, comfortable and confident about how your program will be going!
Warm Regards,
The Client Experience Team
BW
Brandi W.
Always excellent!!
Always excellent!!! Pleasure to deal with and always informative!!
Response from Timberline FinancialMar 27, 2020
Hello -
Thank you for being a valuable client. We are thrilled to know your experience with us has been a good one.
It's our goal to provide a positive and memorable experience - one in which you feel informed, comfortable and confident about how your program will be going!
Warm Regards,
The Client Experience Team
DA
David
I am under a phenomenal amount of…
I am under a phenomenal amount of pressure and stress right now. I was not provided any assurance that TLF would be able to continue to handle my debt resolution if I have to forego my payment of $551 which has a scheduled withdrawal day on April 20, 2020. I am going to do everything in my power to make this happen but as of today I’m not sure how. I would’ve been nice to have some understanding and assurance. Telling me that you might have to default on me just adds to the pressure and stress I feel right now. This is my honest opinion.
Thank you,
David Ennen
MM
mmunson46
Works hard!
Works hard! They are out there getting best settlement they are able attain.
Response from Timberline FinancialMar 24, 2020
Hello -
Thank you for being a valuable client. We are thrilled to know your experience with us has been a good one.
It's our goal to provide a positive and memorable experience - one in which you feel informed, comfortable and confident about how your program will be going!
Warm Regards,
The Client Experience Team
LL
Luis L.
Review your best options!!!
if there was an option to do 0 star I will rate this company 0 accountability.
I'm going to give you an advice; if find yourself in financial hardship talk to your creditors and they will give you the same deals they work with this type of companies. Timberline Financial will tell you Not to speak with your creditors and will promise you they will protect you and work on your behalf. Bank of America sued and at the end Timberline Financial left me on my own, they wanted me to pay the full amount to BOA and on top of that I had to pay Timberline Financial 25% of that amount??
this is how it works:
if I owe 50K, Timberline Financial will work on my behalf to my creditors, they will ask me to stop sending payments to them.
Timberline Financial will charge me 25% of the full amount I owem to my creditors for their services.
the Creditors will report to the IRS the money Timberline Financial save me as an income, that means if I owe $50,000 Timberline Financial will charge you $12,500 if I'm lucky they might save me $20,000 and the IRS will charge me taxes on this 20K
They will ask me to open an Escrow account so they can start making payments to the first creditor once they reach out to an agreement. They can't work with the other creditors till I have more funds in my Escrow account however, they take the 25% for their services even before they finish paying the first creditor.
Timberline Financial will tell you it will takes a couple of years to finish the whole process, NOT true, it all depends how much money you put to the Escrow account, how much you owe to your creditors and how many creditors you owe money to. The start was very easy, friendly agent, easy to communicate with and professional but once the time passed you will find out how rude they are. I went through a lot of issues with them. I followed all the instruction they asked me to do from, Not answering any questions to any creditors, direct them to Timberline Financial, forward any letters from your creditors to Timberline immediately and the most important part, Do Not skip any payment to your Escrow account, this last part hast to come straight from your Bank account and has to be automatic, they will make sure they are taking the money from your account with your consent. I'm going to name all the issues I went through:
- Long time to answer the phone (they have a recording) some times it will take me hours for some one to answer,
-Rude Customer Service reps (some times they will hung up the phone on me)
- They will Not transfer your call to a supervisor, really??
-If I called to confirm if they received the documentation I sent they will say it will take up to 5 business days for the system to get it, really, it's an email with an attachment??
- if after 5 days they have not received the documentation I had to send it again......
- They will say some one will call you back, not true I had to go back and start the whole process again and wait for some one to answer the phone.
- I finally contacted two of my creditors and they said Timberline had never sent any offers to them even and I had $9,000 in my escrow account after they paid off one of my creditor and took their commission.
- The worse part is if you get a law suit- good luck you are on your own, they blamed their third party Company that handles their law suits and the other company will tell you they never received any documentation from Timberline.
I started my journey with them on January 2018 and ended on November 2019.
due to the fact that they did not want to represent me at the court with BOA I had no choice .
I hired an attorney to filed for bankruptcy and to get my money back from Timberline
I learn that if I stopped making payments to my creditors, I could easily speak with them and make better deals than Timberline Financial. Usually the creditors will listen and when they see no payment are made they want to work with you and settle,
I do not recommend this company.
good luck!!
Response from Timberline FinancialMar 23, 2020
Hello -
It is our intent that each client be pleased, comfortable and informed about their program.
We would like to have a member of our escalated client team contact you to better understand
your rating.
We'll be arranging an outreach so we can discuss.
Thank you again for your honest feedback.
Warm Regards,
The Client Experience Team
Reference ID: GT-3219064
MS
Michael S.
Ptople are pleasant to deal with
Ptople are pleasant to deal with. Results are reasonable.
Response from Timberline FinancialMar 18, 2020
Hello -
Thank you for being a valuable client. We are thrilled to know your experience with us has been a good one.
It's our goal to provide a positive and memorable experience - one in which you feel informed, comfortable and confident about how your program will be going!
Warm Regards,
The Client Experience Team
DR
Deanna Reynolds W.
Amazing company
Amazing company! Amazing staff! Do not hesitate to reach out to them. They WILL help you.
Response from Timberline FinancialMar 18, 2020
Hello -
Thank you for being a valuable client. We are thrilled to know your experience with us has been a good one.
It's our goal to provide a positive and memorable experience - one in which you feel informed, comfortable and confident about how your program will be going!
Warm Regards,
The Client Experience Team
PV
Pamata Von D.
Id like to give big 5 stars to Mr
Id like to give big 5 stars to Mr. Rich! Just through your welcoming voice a person could tell you are a great person who cares about others and not just your job.Thank you for all that you have done to assist the people I have referred to you. YOURE THE BEST!
Response from Timberline FinancialMar 18, 2020
Hello -
Thank you for being a valuable client. We are thrilled to know your experience with us has been a good one.
It's our goal to provide a positive and memorable experience - one in which you feel informed, comfortable and confident about how your program will be going!
Warm Regards,
The Client Experience Team