I signed up to Timberline several years…
**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.