If you are drowning in debt DON'T use…
If you are drowning in debt DON'T use this company. They make a lot of promises to help but really they just ruin your credit and don't actually save you any money once they take their fees. They say to quit paying your bills, go into default then let them negotiate a lower payment. Well the first bill went fast, for less than half the mount owed. The rest sat for years, racking up more fee's and tanking my credit. When the last creditor finally made an offer I contacted them personally to see if they would accept the offer/payment directly from me. They did, thankfully because the original amount had doubled in fees so the "savings" Timberline promised were only half of this new huge amount and the kicker is the fee they wanted to change me was another $7000 in payment for their services. If I had stayed with them this debt would have been resolved for twice the original amount! They are only in this to make money. They also don't tell you that the "forgiven" debt comes with a hefty tax bill. This was a huge costly mistake on my part and the repercussions will last years while I fix my credit. My advice is call your creditors yourself. They are surprisingly willing to make arrangements with you that won't hurt your credit long term. Don't be a sucker and line this places pockets...BTW they also charge you fee's EVERY MONTH that you could have used to pay down debt. This place is shameful, and when you do call with questions you just get the run around.