We were taken advantage of. Credit scores destroyed.
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