Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear below. Advertiser Disclosure

Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Advertiser Disclosure

Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear below. Advertiser Disclosure

Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Advertiser Disclosure

Timberline Financial was founded in 2014 to help people with debt repayment and regaining control of their finances. The program includes a range of services, including budgeting, financial coaching, and debt negotiation and settlement. Their goal is to help people and families build their savings, improve their credit ratings, and pay off debt. The company advertises its services on the website



Timberline Financial Review: Is It Legit Or A Scam? Find Out Here! 1

Timberline Financial Overview

There must be extensive study done before selecting a debt settlement firm. Despite the recent media attention Timberline Financial has gotten, it may not be the best choice for you. To ensure that you make an informed decision, it is essential that you research the services they provide. Read the description of their services in this article to see if it is the greatest fit for your budget.

We just looked closely at the procedures and website of this business. The key conclusions that we came to are listed below.

  • The average debt settlement achieved using their strategy was 47% before costs or 67% to 72% after fees.
  • Not all of their clients are able to complete their program due to a number of reasons, including their ability to save enough money.
  • They provide no guarantees as to the sum, proportion, or timeframe in which your debts will be settled.
  • It does not assume your debts, make monthly payments to your creditors, or provide advise on taxes, bankruptcy, accounting, law, or credit repair.
  • There are some states where this service is not available, and costs may vary based on where you live.

What Is Timberline Financial?

Timberline Financial is a financial services firm that focuses on debt consolidation and refinancing. They offer solutions for both residential and commercial clients, creating debt relief packages that are tailored to each client’s unique needs. Their main goal is to give customers excellent service while assisting them in lowering their monthly payments and paying off their debt. They are situated in New York, NY, and can be reached at (855) 250-8329.

The BBB does not currently accredit Timberline Financial and has not given it a rating. It receives 18 customer reviews on average, and 41 issues have been fixed in the past three years. Due to the very unfavorable feedback, consumers have awarded the company a 1-star rating out of 5.

How Do They Work?

Timberline Financial loan 2

With the help of Timberline Financial Services, people can negotiate a lower settlement price for their debt. The process begins with a free consultation during which the customer can discuss their financial situation with a licensed debt professional. After that, Timberline Financial will create a special repayment plan that works with the customer’s budget. The outstanding balance will then be paid in full by the consumer to Timberline Financial in a single lump sum. Timberline Financial will assist with the customer to improve credit once the debt is paid in order to help them succeed financially.

How To Qualify For Timberline Financial?

To be eligible for the Timberline Financial program, a person must have at least $10,000 in unsecured debt, which includes credit card debt, medical debt, personal loans, and other debts not secured by collateral. Participants must also be willing to commit to the program for at least a year and be able to demonstrate that they have the financial resources to make the required payments for the program. Last but not least, applicants for Timberline Financial’s debt settlement program must meet the credit score standards.

Timberline Financial Reviews

The BBB does not presently accredit or certify Timberline Financial. In the past three years, 41 complaints have been handled, with a median of 18 customer reviews. Due to the significant number of negative reviews, customers have given the company a rating of 1 out of 5.

Following are some reviews of Timberline Financial:

John w 12/03/2022

I went with this company and found it to be a total scan. I gave them all my creditors and was told to give the creditor their number and an ID number they gave me. I started getting the past due calls and giving them the information. I had creditors tell me that they could not reach and negotiators to work with. Then I got a summons for one of my creditor and contacted them and emailed the summons and told it would be taken care of. I received two more letter concerning the summons and forward them to timberline. and was told it was being handled by the legal team I was paying for each month.
The creditor finally got a judgement against me and started garnishing my paycheck and I again contacted the creditor and was told by the lawyer there that Timberline refused to return their call so they had no choose but to seek the garnishment order. After all of this Timberline settled the debt for what the court order was for and still took the 25% fee as if they hay done the work. This shoddy work went on till the last payment was sent. they result 7 out of 13 debts and I was no better off than when I started. Then they called me to find out what I thought of the program and I told them of the cases that I had problems and the still as if I would recommend them.

Mike G 11/02/2022

Avoid this company. They tell you that they can do amazing things for you, but they fail to meet their promises. They promise that your payments will cover all of your accounts and you’ll have everything paid off in five short years. Your payments won’t change and everything will be taken care of. The first thing that they do is to set up your payments… and it sounds pretty good. Next, they get you to trash your own credit. When the creditors call you, you refer them to this place and they make a deal. This company then tells you that the deal is the best they can do, but you’ll have to increase your payments. Wash and repeat with each of your creditors.
You end up paying more than they promised and then they don’t even clear up all of the accounts that they promised that they would handle. At the end of your payment cycle. They will continue to take money from your account until they put you through their graduation process… even after your creditors are paid. You have to ask to get out of this program. I talked to one of my creditors about this program. The creditor said that the best thing for someone in financial stress to do is call the creditors, cancel the credit accounts (which will happen anyway through this program) and work out a payment plan at a reduced rate through the creditor. This is what this company is going to do, but they’re going to charge you to do it. Your impact on your credit reports will probably be less severe, as well. Avoid this company like it’s the plague! They aren’t going to deal straight with you.

Doug R 05/20/2022

They cost me 25 percent more than my original ****. Plus I had to pay a Layer and Court cost.. Because they wasted the time of 9 months. Now I paid the total **** last December and they still have not been able to pay the account off. 5/19/22 So my credit score is still not good. I did my part and Timberline sat on my account so they could collect the extra 25 percent.


How Much Do Timberline Financial Services Cost?

Timberline Financial provides debt settlement services in accordance with the needs of each client. Their fees fluctuate based on the degree of difficulty of the issue and the total amount of debt that needs to be paid off. At the initial meeting, you can go over the specific sum with a Timberline Financial representative. Their rates typically vary from 15 to 25% of the debt resolved.

Are There Any Penalties For Early Payments?

Clients can choose to use Timberline Financial’s debt settlement program, which has no prepayment penalties, to pay off their debt at their own speed. Via various payment choices and no-cost consultations, they claim they can guarantee that customers will find the best alternative for their condition.

How Does This Company Affect Your Credit?

Despite the fact that employing debt settlement services could seem like a smart way to reduce debt and boost creditworthiness, it might actually have the opposite effect. Collection activities and legal action conducted by creditors or collectors may harm creditworthiness, and the costs and interest incurred may make the debt larger rather than smaller. Hence, before making a choice, it is crucial to consider both the advantages and potential risks of employing debt settlement services.

How Can You End A Debt Settlement Program With Timberline Financial?

With Timberline Financial, ending a debt settlement program is easy. You must first get in touch with Timberline Financial via phone or email to terminate the program. Don’t forget to provide your full name, contact information, and account details. Once you have provided Timberline Financial with all the necessary information, they will provide you a cancellation confirmation number. After you have the cancellation confirmation number, you may be certain that your debt settlement program has been completely terminated. Save a copy of every document related to the cancellation for your records.

By contacting them, they might also notify your creditors of the cancellation. Be mindful that any fees or unpaid balances might still be required, and be sure to get in touch with Timberline Financial once again to inquire about the closure of your account.

Do you face financial challenges? Here is some guidance to get you back on track.

Do you have money problems? It might be difficult to manage your bills, credit cards, and other expenses. Yet with a few budgeting strategies, you can get back on track and begin saving money. Here is some guidance to get you back on track.

Keep a one-month journal of your spending to start. As a result, you’ll be able to see where your money is going. Incorporate everything in your budget, from food to gas. As soon as you are aware of where your money is going, you may start making adjustments.

Create a budget. You’ll be able to stay on schedule and stay within your budget by doing this. Make a budget that takes all of your required expenses into account, such as groceries, utilities, and rent. Put aside a specific amount in your budget for discretionary spending, and keep an eye on your spending to make sure it stays within that limit.

Spend less money on non-essential items. Find areas in your budget where you can cut back or discontinue all purchasing. This can entail going out to eat or shopping for new clothes. You might be astonished at how much money you can save by cutting back on these unneeded expenses.

Discover ways to cut costs. There are several strategies to save money, such as shopping sales and making use of discounts and coupons. You should also look for ways to lower your monthly costs, such as switching to a more reasonably priced phone plan or energy provider.

Not least, don’t forget to pay your expenses. You may struggle to reach your financial goals if you have a lot of debt. As soon as you can, pay off your credit card debt and other debts. Consider options like refinancing or debt consolidation if you’re having trouble making your payments.

By paying attention to this advice, you can get back on track and start saving money. By adhering to a budget and cutting back on expenses, you can make ends meet and accomplish your financial goals. Good luck!

Timberline Financial: Is It Legit Or A Scam?

Timberline Financial review 2

Since 2014, Timberline Financial has provided aid with debt settlement. Despite not having a BBB rating or certification, the company has 18 customer reviews and 41 complaints that have been satisfactorily resolved in the last three years. Due to the substantial number of negative reviews, customers have given the business a rating of 1 out of 5.

It is essential to conduct thorough research before choosing a debt settlement company. Look at customer reviews, confirm that the company has a successful track record, ensure that it is appropriately certified and controlled, and confirm that the services provided are open and honest to guarantee you get the most value for your financial investment.

Do you know Post a review and your experience below.

Thank you for reading!

Timberline Financial
  • Timberline Financial

Timberline Financial Review

Timberline Financial has offered assistance with debt settlement since 2014. The business has 18 customer reviews and 41 complaints that have been satisfactorily resolved in the last three years, despite not having a BBB rating or accreditation. Customers have awarded the company a score of 1 out of 5 due to the significant quantity of negative reviews.  





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Barbara Miller is a seasoned writer who specializes in tax-related topics. With years of experience in the field, she has established herself as a leading voice in the industry. Barbara holds a bachelor's degree in accounting from the University of Pennsylvania's Wharton School. She began her career as a tax accountant for a large accounting firm, where she advised clients on tax planning, compliance, and audit defense. Barbara's passion for writing led her to pursue a career in journalism, where she could combine her expertise in tax matters with her writing skills. She began working as a freelance writer for various tax publications, covering topics such as tax policy, tax reform, and tax preparation. Barbara's talent for writing and her in-depth knowledge of tax matters soon caught the attention of a leading tax relief website, where she now works as a staff writer. Her work involves producing engaging and informative articles on a wide range of topics, including tax relief options, tax scams, and tax planning strategies. Barbara is known for her ability to explain complex tax concepts in a clear and concise manner, making tax information accessible to a wider audience. Her work has earned her recognition and praise from both her peers and her readers. Barbara is committed to educating individuals and businesses about their tax obligations and helping them take advantage of the various tax relief options available to them. She believes that everyone has the right to be informed about taxes and to make informed decisions that benefit their financial well-being.  

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