Terrible company
Terrible company. Will wreck your credit permanently. Justin who onboarded me, assured me that in 6 months my credit card balances (for medical expenses) would be negotiated for half the current balance. I didn’t believe him at first, but he spent the next hour explaining the process (lying) and assuring me that Timberline takes care of their clients. Once you’re legally into their scam, what Timberline actually does is they “take over” your payments, tell you not pay, to not respond to collection calls and notices. They let your account become charged off which is similar to declaring bankruptcy, possibly worse. Even after paying the negotiated balance, the credit card company still views the original balance as owed, and until it is paid, your credit is wrecked. Avoid this fraudulent company.