Timberline FinancialReviews of timberlinefinancial.com

Still in the program and having issues settling a debt that was $10k. They came to me with a settlement offer more than 10k 3 months after creditors back in April sent me an offer for settling at $4,300 dollars. It is now October and I've been trying to settle for $4,300, which is now $5300, as a one-time payment for 2 weeks now. Still waiting on their approval for the settlement. Not the creditors, not my approval, Timberline approval after they have my voice recorded approving the transaction for that settlement. I am also trying to call them on Monday Oct 18th at 5:30pm eastern and it says the office is closed, their answering machine says open till 8pm! I gave 2 stars because the program could work better if I wasn't worried every week on whether or not my accounts are being worked on.

**Update - After posting this review on Trustpilot, someone from Timberline reached out and corrected the issue** I signed up to Timberline several years ago to help lower my debt. Their plan did impact my credit but they were able to negotiate most of my debts to a lower amount as promised. However, there are 3 major problems I am having with Timberline: 1. I have paid off all my debts in the Timberline program & all the money was pulled out of my checking account. However, Timberline has not made the final 2 payments to my final creditor despite taking the money out of my account months ago. Their agents said the problem was due to an upgrade in their systems. On Friday 9/17/21 I was also told that the creditor had reclaimed my debt so everything needed to be renegotiated, so I called the creditor. They told me this was false & that they were just waiting on Timberline to make the final payments. I need Timberline to make the payments to my creditor ASAP. 2. Their customer service is very bad. They don’t respond to emails, return calls as promised, & the agents will not elevate my problem to the management level regardless of how many times the problem has occurred without resolution. Every time I speak to a new rep, I get a different answer to my problem. Even if I call 4 days in a row (which I did this week). I had a similar problem a couple of years ago with a creditor but one of their VPs got involved and fixed the issue very fast. This is no longer the case. Something has definitely changed within the management ranks. 3. They make claims that the settlement offers can have wording in it that prevents recourse from the creditors, this is not true. There are no promises to delete records after the debt is paid. There is also no wording in these settlements to help with your credit in any way regardless of what is discussed ahead of time. If it is not written on the original contract that you sign, they will NOT do it. Make sure everything is in writing if you choose to do business with them! Overall, Timberline can save you time by negotiating on your behalf, but it is not anything you cannot do yourself if you have time. If their customer service was good, this would be a good service. But based on the frontline employees, this company does not care about serving its customers.

We were taking advantage of. We have NEVER missed any payments and HAD credit scores in the low 800's. Timberline took thousands of dollars and put it in an escrow. Meanwhile, they told us they were negotiating with the 3 creditors. We did not seek their help because we couldn't pay our bills. We just thought it would be nice to save a few hundred dollars a month and we were clear about all that up front. We kept getting call from the creditors and were repeatedly told to ignore the calls. Additionally, they told us the if by chance we speak with a creditor that we were to tell them that we had fallen into financial hardship which is an absolute lie and Timberline knew that. They had all our credit information and knew we were in great financial standing. They kept telling us they had sent documents to the creditors which the creditors said they had never seen. I repeatedly asked to see the documents that they supposedly sent and I was passed from person to person and never received these documents. We finally asked for our money back but by that time our credit was destroyed and dropped to the mid 500's. We cannot even buy a car now. They completely destroyed our financial freedom! Email Correspondence with Timberling Financial: From: Todd Daveport Sent: 5/3/2021, 11:13 PM To: cs@timberlinefinancial; Subject: Re: Documentation Request Please Thank you for the email. I asked for the documents you have sent to the debtors but you didn’t provide them. We received a call from Discover Card today and they told us they have no record of you reaching out or corresponding. Please send me what you sent them. This is getting ridiculous. Todd Davenport On Fri, Apr 30, 2021 at 11:57 AM Timberline cs@timberlinefinancial> wrote: We do send your appropriate creditors Power of Attorney letters at the beginning of the program. However, this may not deter them from contacting you. The original creditors do have a legal right to make attempts to collect on the debt as they feel it's easier to try and communicate with you directly to have you pay. We cannot prevent your creditors from reaching out to you. We advise our clients not to speak with creditors, so you *DON'T* have to answer their phone calls. Talking with a creditor can impact future agreements between your creditors and us. If by chance you happen to speak with them, you can tell them, "*I have fallen into financial hardship. I am reviewing my payment options based on my budget and other obligations. Please contact me only in writing from now on*", then politely hang up. As we go forward with you into the program, the phone calls will begin to decrease. If you have any further questions or concerns, please contact Client Services by phone. We are available 9 am-8 pm EST, Monday-Friday. --------------- Original Message --------------- From: Todd Daveport Sent: 4/22/2021, 6:00 PM To: cs@timberlinefinancial; jseigal@strategicconsulting; Subject: Documentation Request Please Hello, My name is Todd Davenport. My wife Amanda and I are signed up with you to consolidate some debt. We have been with the program for 4 months now and we continue to get emails and calls from the 3 debtors we are consolidating. We are getting worried that our credit may be damaged in this process or worse. Can you please send me the documentation showing your correspondence with these 3 debtors so that we can have something to provide them and also have some peace of mind that things are getting done. B. Todd Davenport TD Homes 405-201-4399

Biggest scam. Literally stole my money and is refusing to give it back. This is how the treat service members

Horrible customer service no real answers keep getting a run around. Don’t know what to do anymore

So I am fairly new to the program (since March 15th, 2021). I did have some concerns with creditors contacting me with the verbiage they used; however Becca thoroughly explained the process and answered all my questions. She also gave me a lot of confidence for my moving forward with this program as they have worked with my creditors before. With that said, I am hoping for favorable results in the next 3-5 months and will update my review then.. Thank you Becca. I'll be asking for you in the future.

When I left Timberline (my major debts had already been negotiated) they did not provide me with my settlement details, despite my prompting. I was told the settlements would still be valid. However, without the details from Timberline in writing, the creditors claimed the negotiated settlements invalid as they were with Timberline, not me. Thus, Timberline gave me fraudulent details and I am now facing legal actions. I have contacted Timberline multiple times about this and was supposed to be contacted by a manager. However, that never occurred.

Sorry I forgot the Lady's name but she was so patient and helpful. She stayed with me while I navigated though my phone to download documents and help me reset my password. I stayed on the phone for the survey but never got any response about the survey. All I heard was silence so I hung up.