Timberline Financial

I have a contractual agreement with Timberline that allows them to withdraw $on the *** of each monthMy regular payment was made on the ***, as usualOn Sunday, October *** three separate withdrawals were made by Timberline's associate company Global Client Services (two for $and one for $477.95)Two of these withdrawals (one for $and one for $477.95) were immediate reversedI called Timberline on Monday, October *** and was told that the remaining $would be put back in my account by the end of business that dayThat didn't happenI called on Tuesday, October ***The rep told me that they mistook the reverses that were done on Sunday at being complete and that the remaining $was my usual monthly paymentIt wasn'tI spoke to her supervisor who told me I had to contact Global Client ServicesI did and was told that, in fact noI need to deal with TimerblineGCS just processes the ordersTimberline is responsible for placing t

Customer service not availableNo one is answering the phones! Cannot get a person on the line!

DO NOT DEAL WITH THIS COMPANY! I had numerous credit cards and debt that I couldn't get out from under I was sold on the "consolidation" plan with payments that I could afford and in most cases the debt was going to be settled for much less than what I owed Any correspondence from the credit card companies would immediately be sent to Timberline I would get an automated email reply and that was itThey do nothing with the letters I received a letter in the mail from an attorney soliciting services since I was being sued by a credit card company Timberline didn't alert me and I had to find out from a lawyer I contacted the court and I found out that I was actually being sued When I notified Timberline they told me to send in the summons and they would take care of it Then they told me I had to keep asking for continuances until they could get it settledNow I am having to do the heavy lifting Ridiculous Months go by and nothing was ever done with the account I called weekly and was given the runaround by Antwon Johnson, a supposed litigator with the company He told me all the usual stuff "I do business with these companies all the time", "we have a working relationship", "I know the other guy handling your case", "don't worry, I am going to take care of it for you." All bull The credit card company offered me a settlement and I told Antwon Johnson to take it He agreed and said it was a done deal If I didn't hear back from him it meant that all was good I even put more money into the account to make sure there were no snags and that we could get this settled so I wouldn't have to go to court Time goes by and I am being sued again by the credit card company Antwon Johnson did nothing to ensure this would be taken care of I am now terminating my agreement with Timberline Timberline takes fees for every transaction that occurs They were continuing to pay themselves while they were not paying off my credit card balances They have taken thousands of dollars from my account for fees They had months to come to a settlement with the creditor that was suing me and did nothing Dishonest IncompetentWont return your calls Mailbox is full when you try to call themDon't waste your time and money

Unacceptable and bad experience with Timberline FinancialWe signed up for their program at which time they up sell a legal protection plan called Veritas (sp?)They will negotiate settlements for you and tell you they have "relationships" with all credit card companiesWe started receiving the phone calls from creditors and ignored mostWe did talk to Discover, at which time they told us they would take us to courtWe relayed this to Timberline, at which time they reassured us everything would be fineDiscover then subpoenaed us to courtWe faxed a copy of the subpoena to Timberline and they said it would be handled, and we did not have anything further to do until Timberline contacted usMonths go by, and one of our paychecks were garnishedThat is when I couldn't get my "negotiator" to return my callsWhen I did get someone else on the phone, I was told it was one of two discover cards we had, but it was now taken care ofI asked why the legal plan didn't kick in and they told me that I just bought a "basic" plan that didn't cover garnishments (never saw or heard of different levels to the plan).Next month hits and another garnishmentCall back and still can't talk to "Negotiator", and he just won't call me backGet him on phone a week later and its "Whoops, the settlement was for the other DiscoverThey just wouldn't settle on this oneCan you do a lump sum?" If I had a lump sum I wouldn't be using credit consolidationHe tells me he will call back the next Monday to see if I could up my payments to Timberline to renegotiate with DiscoverA WEEK goes by trying to tell him we could contribute moreI cant get himI call Discover card lawyer in charge of garnishmentThey had a couple of settlement offers and declined, and will not settle no matter what (and told Timberline this)They also had never heard of/from our legal plan, and the Subpoena was never responded to (Judge ordered the garnishment Discover asked for with no counter being presented)I finally get "Negotiator" on phone and tell him all this at which time he tells me he is going to check with the legal plan and see what happened and call me right backStill no "call right back", and I don't believe he willI have only gotten him on the phone when I ask to talk to a supervisor, and suddenly he becomes availableBreach of Contract? Scam? Negligence? Or not being told all the consequences when signing up? We were sold on the consolidation as being the way to pay off our creditorsWe were sold a legal plan in case we were called into courtAt no time were we advised that on top of the payment plans to Timberline, that we might also have to pay a garnishmentNot all our debt have gone into settlementFrom what I am now understanding, our other creditors could also garnish our wages on top of everything else
Beware! Your payments to Timberline might not be all you have to pay to your creditors!!! They obviously can't stop garnishmentsAt this point Bankruptcy looks like a better alternative as we can not live with the garnishment money taken out on top of the a

DO NOT I REPEAT DO NOT WORK WITH THIS COMPANYThey advertise as a "debt management company" they aren'tThey are a lazy settlement companyI was told that when I signed up for the program that I would stop paying my enrolled creditors and that they would reach out and pay them every monthNot the caseFor months they did nothing but take my moneyI finally got sick of seeing all the missed payments on my credit and I cancelled with them in MarchI signed up in the beginning of JanuaryI signed my notice of cancellation March 16th and I was told that I would be contacted to confirm my cancellationNobody ever called, finally I called on April 5th, They told me that I would be receiving my money back in check form in 7-business daysWell it is now April 19th, and I received NO CHECK! I called today and basically asked what the hell is going on and where is my moneyI was told that my cancellation was still being processed and that if I wanted my money I WOULD HAVE TO CALL *** *** *** myself and I could have it transferred into my bank account in 1-business daysSo I called *** and they told me that Timberline Financial NEVER called them and that the account is still activeSo once again I had to go through the cancellation process with a service rep (***)and she said it takes 1-business days to process this cancellation and then in another DAYS We will mail you a check! Lies lies lies and more liesSERIOUSLY DO NOT EVER CONTACT THIS COMPANY! THEY ARE LAZY AND THEY DO NOTHING BUT TAKE YOUR HARD EARNED MONEY!

I WAS MAILED OUT A LETTER STATING THAT TIMBERLINE FINANCIAL COULD HELP ME TO CONSOLIDATE MY CREDIT CARD DEBT INTO PAYMENT SO THAT I COULD SAVE SOME $$$$THE GUY THAT I SPOKE WITH GOES BY THE NAME OF *** ***~~IF THAT IS EVEN HIS REAL NAME~~WE DISCUSSED OPTIONS FOR THE DEBT CONSOLIDATION & HE CAME UP WITH A NUMBER WHICH I THOUGHT WAS TOO HIGH & TOLD HIM SOOF COURSE I GAVE HIM MY BANKING ACCOUNT INFORMATION WHICH I NEVER SHOULD HAVE DONEI TOLD HIM ABOUT THIS OTHER GUY THAT I HAD SPOKE TO & HIS NUMBER WAS CONSIDERABLY LOWER THAN HIS ~~ANYWAYS, MY SON WAS IN THE ICU AT THE HOSPITAL DURING THIS TIME & I TOLD *** K*** THAT I NO LONGER WISHED TO CONTINUE WITH THIS ENDEAVOR AS I WAS WORRIED ABOUT MY SON & I DID NOT FEEL COMFORTABLE WITH THIS PROGRAM AT THIS TIMEBOTH GUYS THAT I SPOKE WITH WERE KNOCKING DOWN EACH OTHER WHICH I FOUND TO BE VERY UNPROFESSIONAL SO I HAD DECIDED TO NOT GO WITH EITHER OF THEM & I TOLD THEM SOWELL, WOULDN'T YOU KNOW IT, *** ***

I am very grateful that I chose to work with Timberline Financial during my time of financial distressI was deep into debt with interest rates that I could not overcomeEach month my paycheck being eaten by my credit card payments and my payments only going towards interestI saw my statements estimating a year payback each month and I chose to ignore that for too longI decided that I needed to finally do something to take control of my financesI must admit, that at first I was very nervous and worried if I would ever get out of the debt and finish the program set up for meIt was scary in the beginning not sending the creditors payments, seeing my score drop and the uncertainty made me nervousMy consultant was very reassuring and always helpful with any questions or concerns I had along the way I am now more glad than ever that I stuck through with the programI am now years into my year plan and only have a few more cards left to be paidI have already seen my credit score begin to repair and it feels like a giant weight has been lifted off my shouldersI think back to the beginning of the program where I was so nervous of the creditors that I almost decided to give in and start paying them againI don't know where I would be today if I had done thatI would like to thank everyone at Timberline for their help and devotion to my account, even though I was annoying at times with dozens of questions along the wayTo anyone in a similar position to where I was, this option has worked for me and I am sure it will for you tooIt does take patience and can be nerve racking, but at the end of the day I am extremely happy that I am soon to be debt free and can breathe financially and dont even remember why I was worried about a dip on my credit

I have called times since November *** looking for my refund of about $ Each time I call in talk to someone they say it is in the mail or they will process it in to days but I have not received any of my money back or any resolutionPlease help me with this awful company and how they do not provide customer service and have stolen my money without giving it back to me as they should have since I've cancelled the program in accordance with my contract

Received a notice from Broadstar Financial offering me a debt consolidation loan I responded by calling themThey had a third party call me back from Timberline Financial All the while we we negotiating I thought that we were making a deal to consolidate my three credit cards into one loan We negotiated over the phone and we went kind of fast and I tried to read everything as best I could while the person was talking Everything sounded like we were consolidating I was to mail them my card numbers and a voided check I printed out the agreement that was on my computer and noticed the words Resolution on the front instead of Consolidation Then I went on the computer and read the differences That was not what I was looking forI E-mailed them that same evening and to the I wanted to cancel The person that helped me was very nice through the process, but that was not what I was trying to do Hopefully I won't have any problems But if I do I will contact you again

They are con men Joshua Corn the initial contact informed me he would be with me throughout the process After only two months, he ignored my emails seeking help When he finally responded, he directed me to a general phone numberThen, I got on email stating suit was filed against me!! I called asking why The law firm wrote back asking me to send the summons and they heard I stated I was sued! I replied, no Timberline told me I was being sued!! They have yet to get back to me to ven inform me if I sam being sued This is an awful company!

This company did not contacted my credetors for two months and I have been waitings for my $1,refund for a month now after calling their costomer service line and asking for my refund every week since

After reading these reviews, I am starting to regret my decision to use the services of Timberline They sold us with the no interest and improve your credit within a few months It's been months my credit is worse than it has ever been and I have been summoned to court And this is only the beginning They have only settled with of creditors Ones who sent US offers to settle have not been paid - It's like they want to hold your money as long as possible to keep the interest it gains At this point we are considering filing for bankruptcy even at the loss of nearly $10,that Timberline is sitting on DON'T ALLOW THESE PEOPLE INTO YOUR LIVES!

Unacceptable and bad experience with Timberline FinancialWe signed up for their program at which time they up sell a legal protection plan called Veritas (sp?)They will negotiate settlements for you and tell you they have "relationships" with all credit card companiesWe started receiving the phone calls from creditors and ignored mostWe did talk to Discover, at which time they told us they would take us to courtWe relayed this to Timberline, at which time they reassured us everything would be fineDiscover then subpoenaed us to courtWe faxed a copy of the subpoena to Timberline and they said it would be handled, and we did not have anything further to do until Timberline contacted usMonths go by, and one of our paychecks were garnishedThat is when I couldn't get my "negotiator" to return my callsWhen I did get someone else on the phone, I was told it was one of two discover cards we had, but it was now taken care ofI asked why the legal plan didn't kick in and they told me that I just bought a "basic" plan that didn't cover garnishments (never saw or heard of different levels to the plan).Next month hits and another garnishmentCall back and still can't talk to "Negotiator", and he just won't call me backGet him on phone a week later and its "Whoops, the settlement was for the other DiscoverThey just wouldn't settle on this oneCan you do a lump sum?" If I had a lump sum I wouldn't be using credit consolidationHe tells me he will call back the next Monday to see if I could up my payments to Timberline to renegotiate with DiscoverA WEEK goes by trying to tell him we could contribute moreI cant get himI call Discover card lawyer in charge of garnishmentThey had a couple of settlement offers and declined, and will not settle no matter what (and told Timberline this)They also had never heard of/from our legal plan, and the Subpoena was never responded to (Judge ordered the garnishment Discover asked for with no counter being presented)I finally get "Negotiator" on phone and tell him all this at which time he tells me he is going to check with the legal plan and see what happened and call me right backStill no "call right back", and I don't believe he willI have only gotten him on the phone when I ask to talk to a supervisor, and suddenly he becomes availableBreach of Contract? Scam? Negligence? Or not being told all the consequences when signing up? We were sold on the consolidation as being the way to pay off our creditorsWe were sold a legal plan in case we were called into courtAt no time were we advised that on top of the payment plans to Timberline, that we might also have to pay a garnishmentNot all our debt have gone into settlementFrom what I am now understanding, our other creditors could also garnish our wages on top of everything else
Beware! Your payments to Timberline might not be all you have to pay to your creditors!!! They obviously can't stop garnishmentsAt this point Bankruptcy looks like a better alternative as we can not live with the garnishment money taken out on top of the a

I was looking for a way to consolidate my credit card bills and lower my interest rate and at this time my wife and I had excellent credit ratingI had purchased a new truck and just remortgage my home to a % interest rateThen I got a flyer in the mail for a consolidation loan as low as 3.75% and when I called the 1-number on the Flyer a Timberline representative answeredWe talked about my credit card accounts and instead of trying to get me the consolidation loan he come back informing me that their underwriter or strategist recommended to let them negotiate my bills out insteadThe program was then explained to me in detail and I guess the idea of no interest seemed better than low interest to me at the timeNow months later, I'm thinking maybe I made a mistakeMy credit is not good, bill collectors are mad and I just don't know what the future is gonna be likeI just pray everything will be ok, but if I had it to do all over again I surely wouldn't go this route

Cancelled their service on 10/**/Was told I would get my money in 24-hoursNow no one is returning my calls

Coclaims to help payment of credit card balance by negotiating lower balance and lower payment terms
Since signing up for their service as client # --- they do not respond to my phone calls or fax letters
I have received letters from one vendor (*** ***) one of which offered lower termsTimberline says to not respond to communications from vendorsI sent them a copy of letters receivedThey do not respond
The bank is proposing legal action against meTimberline should take care of this problem in accordance with our agreement

I have called times since November *** looking for my refund of about $ Each time I call in talk to someone they say it is in the mail or they will process it in to days but I have not received any of my money back or any resolutionPlease help me with this awful company and how they do not provide customer service and have stolen my money without giving it back to me as they should have since I've cancelled the program in accordance with my contract

In August dollars was taken out of a my checking account by this company to start a debt resolution accountHowever I decided to cancel my contract with this company within the designated time frame, and was promised a full refundAfter several phone calls to the company, it is now going on two months and still no refund

I am very grateful that I chose to work with Timberline Financial during my time of financial distressI was deep into debt with interest rates that I could not overcomeEach month my paycheck being eaten by my credit card payments and my payments only going towards interestI saw my statements estimating a year payback each month and I chose to ignore that for too longI decided that I needed to finally do something to take control of my financesI must admit, that at first I was very nervous and worried if I would ever get out of the debt and finish the program set up for meIt was scary in the beginning not sending the creditors payments, seeing my score drop and the uncertainty made me nervousMy consultant was very reassuring and always helpful with any questions or concerns I had along the way I am now more glad than ever that I stuck through with the programI am now years into my year plan and only have a few more cards left to be paidI have already seen my credit score begin to repair and it feels like a giant weight has been lifted off my shouldersI think back to the beginning of the program where I was so nervous of the creditors that I almost decided to give in and start paying them againI don't know where I would be today if I had done thatI would like to thank everyone at Timberline for their help and devotion to my account, even though I was annoying at times with dozens of questions along the wayTo anyone in a similar position to where I was, this option has worked for me and I am sure it will for you tooIt does take patience and can be nerve racking, but at the end of the day I am extremely happy that I am soon to be debt free and can breathe financially and dont even remember why I was worried about a dip on my credit

I have worked with Timberline Financial for debt reconciliationI was satisfied with their customer service since September They successfully settled of my three credit card accounts without issueJanuary 29, I requested the amount of money needed to be added to my escrow account to start negotiations on my third and last credit card accountMy daughter was willing to lend us the moneyI already had $in escrowOn 2/1/Quincy estimated $but would pass on my request to payouts(payoffs) and would have someone respond to my request--that is an inside joke the customer never receives such consideration in my experience Feband I repeated the request and was apologized by Christian and Gina for being dropped through the cracksRequests to speak to a supervisor were deflected with "would you mind if I place you on hold for a few mins while I page the supervisor?" What else could I say other than yes for fear I would never get called back The supervisor gave the frontline specialist the information to pass on to me which was they were following up and payouts were behind on their workload which affected my quoteCalls on 2/6, 2/8, 2/12, 2/13, 2/finally elicited the amount of $needed to be added to the balance of my escrow account to =a total of $11, To be fair my credit card balance was $16,I called them and told them I had the moneyThey were to email me paperwork for them to withdraw the disbursement from my checking accountMeanwhile I went into the hospital and due to my care was unable to check for the paperworkI was told when they supposedly sent the first set of paperwork, the disbursement would be held for days for processing which was to be released 3/3/It was not disbursedCalled Timberline and demanded to speak to someone who had the authority, responsibility and accountability to expedite and resolve client issuesI am in the hospital and in extreme painI was called back by a supervisor, whose name I cannot find in my notesShe indicated she would email me duplicate forms, for me to sign them, return them and she would expedite, so I would not have to wait another daysThe forms were sent on 3/at 3:pmI was napping and not pick up the email until 5:pmAfter numerous computer, scanner, and printer glitches, the signed forms were emailed at 9:pm and I received an email at 10:am 3/they were receivedDaily calls were met with assurance the disbursement would occur the next day 3/8, it was 3/before the disbursement was completedGee they managed the days anyway The last week has been consumed with phone calls to find out if negotiations had startedI was assured that third party who was holding the credit card debt had been "reached out to" while the the paperwork was being processedA final offer from the 3rd party on behalf of the Credit card company was accepted by me for $on 3/Because the computer system did not indicate the recording of my acceptance of the offer I ended up recording my acceptance times in days We have been waiting the last days for the letter of settlement, which we understand is out of the control of TimberlineWe have requested a call or email just letting us know the statusAn hour and half ago we were told it would be mins and our negotiator would call us backWe have now been told that is will be turned over to manger to investigateWe have been told that our negotiator has a hundred cases but has placed our file as his priority and called the 3rd party times and was asked not to call any moreI appreciate what he has doneNo negotiator should have a hundred cases on their plateI was told business was booming and hiring could not stay up with the growthThe personnel are attending to the long-term clients firstWhile I am sympathetic to their issues, it does not change the fact as a long-term client I am lost in the maze of their problems and my concerns are a non issue (my feelings)A manager of negotiations is to call us on MondayWhat is driving our frenzy is I need this letter to give to our loan officer to submit and clear my credit report so we can get our pre-approval letter for a loa to purchase a homeWe have lost the ability to make offers on housesWe would have liked to purchase one or the other during this almost month long processWe wait without much patience, which God may be trying to get my attention that every thing is in God's timeThis is as accurate as related as my notes and memory have allowed