In today’s challenging economic climate, many individuals and families find themselves burdened with overwhelming debt. When faced with this situation, it is important to seek out reputable financial services that can provide assistance in reducing debt and improving financial well-being. Timberline Financial, a company established in 2014, aims to help people overcome their financial challenges through debt negotiations, settlements, budgeting, and financial coaching.
However, before considering their services, it is crucial to conduct a thorough review to determine whether Timberline Financial is a legitimate company or a potential scam. In this article, we will delve into the various aspects of Timberline Financial and provide insights into its services, customer reviews, and overall legitimacy.

Timberline Financial Summary
To make an informed decision regarding Timberline Financial, it is essential to examine the services they offer. Here are the key observations made after conducting an in-depth review of the company’s website and protocols:
- Debt Settlement Average: The average settlement achieved through Timberline Financial’s program was approximately 47% before fees or 67% to 72% including fees. It is important to note that the actual settlement amounts can vary depending on individual circumstances and the specific debts being settled.
- Program Completion: Not all clients are able to complete Timberline Financial’s program due to various reasons, including their ability to set aside sufficient funds and make their minimum payments. It is vital for individuals considering their services to carefully assess their financial capabilities and commitment before enrolling in the program.
- No Guarantees: Timberline Financial does not guarantee the resolution of debts for a specific amount or percentage, nor does it promise a particular timeframe for debt resolution. These factors should be taken into consideration when evaluating the suitability of their services for individual financial needs.
- Scope of Services: Timberline Financial does not assume clients’ debts, make monthly payments to creditors, or provide services such as tax, bankruptcy, accounting, legal advice, or credit repair. Prospective clients should assess whether the offered services align with their specific requirements.
- Availability and Fees: Timberline Financial’s services may not be available in all states, and fees can vary from state to state. It is important to confirm the availability and fees specific to one’s location before engaging with the company.
What is Timberline Financial?

Timberline Financial is a financial services firm based in New York, NY, that focuses on debt consolidation and refinancing. They cater to both residential and commercial customers, offering tailored debt relief packages to address individual needs. The company aims to provide quality service that assists customers in reducing monthly payments and saving money on their debts. Their contact number is (855) 250-8329.
Despite its years of operation, Timberline Financial does not currently have a rating from the Better Business Bureau (BBB) and is not accredited by them. The BBB’s database shows an average of 18 customer reviews, with 41 complaints closed within the last three years. The significant number of negative reviews has resulted in customers giving the company a rating of 1 out of 5 stars.
How does Timberline Financial work?
Timberline Financial works with individuals to help resolve their debts for less than the amount owed. The process begins with a free consultation, during which clients can discuss their financial situation with a certified debt professional. Based on this consultation, Timberline Financial creates a personalized repayment plan that aligns with the client’s budget. Subsequently, clients are required to make a lump sum payment to Timberline Financial, which will be used to pay off the remaining debt balance. After the debt is settled, Timberline Financial assists clients in rebuilding their credit scores and achieving long-term financial success.
Qualifications for Timberline Financial’s Debt Settlement Program
To qualify for Timberline Financial’s debt settlement program, individuals must meet certain criteria:
- Minimum Debt Amount: Individuals should have at least $10,000 in unsecured debt, such as credit card debt, medical debts, personal loans, and other forms of debt not backed by collateral.
- Commitment Period: Participants must be willing to commit to the program for a minimum of 12 months.
- Payment Ability: Individuals must demonstrate the ability to make the payments required by the program, which will be determined during the initial consultation.
- Credit Score: It sets specific credit score requirements for approval into its debt settlement program. Prospective clients should confirm whether they meet these requirements before enrolling.
How does Timberline Financial ensure the protection of clients’ personal and financial information?
Answer: At Timberline Financial, the security, and confidentiality of clients’ information are of utmost importance. The company employs various measures to ensure the protection of personal and financial data. These include implementing advanced encryption protocols to safeguard data transmission, maintaining secure servers with restricted access, and regularly updating security measures to stay ahead of emerging threats. Additionally, Timberline Financial adheres to industry best practices and complies with relevant data protection regulations to provide clients with peace of mind regarding the privacy and security of their information.
What sets Timberline Financial apart from other debt settlement companies in terms of customer support?
Answer: Timberline Financial places a strong emphasis on delivering exceptional customer support throughout the debt settlement process. The company understands that dealing with financial challenges can be stressful, so they strive to provide clients with dedicated support and guidance every step of the way. Their team of certified debt professionals is readily available to address clients’ concerns, answer questions, and provide regular updates on the progress of their debt settlement. Timberline Financial believes in fostering a collaborative and transparent relationship with clients, ensuring they feel supported and empowered throughout their journey toward financial recovery.
Can Timberline Financial provide references or success stories from past clients?

Answer: Timberline Financial values the privacy and confidentiality of its clients and therefore respects their right to keep their personal financial information private. As a result, the company does not disclose specific client details or share individual success stories without the explicit consent of clients. However, Timberline Financial encourages prospective clients to read the available customer reviews and testimonials on independent platforms to gain insights into the experiences of previous clients. These reviews can provide valuable perspectives on the effectiveness and quality of Timberline Financial’s services.
How does Timberline Financial stay up-to-date with the latest debt settlement laws and regulations?
Answer: Timberline Financial understands the importance of compliance with debt settlement laws and regulations to protect clients and maintain the highest standards of service. To stay abreast of the ever-evolving legal landscape, the company employs a team of legal experts and professionals who closely monitor industry changes and updates in debt settlement laws at the federal and state levels. Timberline Financial also maintains strong relationships with legal advisors and industry organizations to ensure their practices align with current regulations. By prioritizing compliance, Timberline Financial aims to provide clients with trustworthy and legally sound debt settlement services.
How does Timberline Financial support clients after the completion of their debt settlement program?
Answer: Timberline Financial’s commitment to client success extends beyond the completion of the debt settlement program. Once clients have successfully settled their debts, the company continues to provide guidance and support to help them rebuild their credit and achieve long-term financial stability. Timberline Financial offers financial coaching and resources to educate clients about responsible financial management, budgeting, and credit improvement strategies. They work closely with clients to create personalized plans tailored to their unique financial goals, empowering them to make informed decisions and maintain their financial well-being beyond the debt settlement process.
Timberline Financial BBB Reviews
As previously mentioned, Timberline Financial does not currently have a rating from the Better Business Bureau (BBB) and is not accredited by them. The BBB database reveals an average of 18 customer reviews, with 41 grievances resolved within the past three years. Due to the high number of negative reviews, customers have given the company a rating of 1 out of 5 stars. It is crucial to consider these customer reviews when evaluating the legitimacy and credibility of Timberline Financial’s services.

Timberline Financial FAQs
To provide further insights, let’s address some frequently asked questions related to Timberline Financial:
1. How much does Timberline Financial charge? It offers debt settlement services tailored to individual needs. Their fees can vary depending on the amount of debt to be settled and the complexity of the situation. Generally, their fees range from 15% to 25% of the settled debt. It is recommended to discuss the exact fees with a Timberline Financial representative during the initial consultation.
2. Are there any pre-payment penalties with Timberline Financial? It offers a debt settlement program without any pre-payment penalties. This gives customers the freedom to repay their debts at their own pace. The company aims to provide flexible payment plans and free consultations to help customers find the most suitable option for their financial situation.
3. How does Timberline Financial affect your credit? Using debt settlement services, including those provided by Timberline, can have both positive and negative effects on creditworthiness. While debt settlement can help reduce debt, it is important to consider the potential risks. Collection proceedings, legal actions by creditors or collectors, and the fees and interest accrued during the process can impact creditworthiness. Before committing to debt settlement services, individuals should carefully evaluate the potential advantages and disadvantages.
4. How to cancel Timberline Financial? Canceling a Timberline Financial debt settlement program is a straightforward process. Individuals should contact them directly via phone or email to communicate their intention to cancel the program. It is important to provide full name, contact information, and account details to ensure a smooth cancellation process. Timberline Financial will then provide a cancellation confirmation number. Retaining records of the cancellation is crucial for personal reference.
Additionally, it may inform creditors about the program termination. It is essential to confirm with them that the cancellation has been properly processed and that any outstanding fees or amounts have been addressed.
Tips to Improve Your Financial Situation
If you find yourself struggling to make ends meet, here are some helpful tips to get back on track:
- Track your spending: Start by tracking your expenses for a month to gain a better understanding of where your money is going. This will allow you to identify areas where you can cut back and save.
- Create a budget: Establish a budget that includes essential expenses like rent, utilities, and groceries. Set a realistic amount for discretionary spending and ensure that you track your expenses against your budget.
- Cut back on unnecessary spending: Look for areas in your budget where you can reduce or eliminate non-essential expenses, such as dining out or unnecessary shopping. Cutting back on these expenses can lead to significant savings.
- Save money: Explore opportunities to save money, such as shopping for bargains, utilizing discounts and coupons, and finding ways to reduce monthly bills like phone plans or energy providers.
- Pay off debts: Make paying off your debts a priority. Consider debt consolidation or refinancing options if needed. Tackling debt will alleviate financial stress and allow you to work towards your financial goals.
By implementing these strategies, you can regain control of your finances and pave the way for a more stable financial future.
Is Timberline Financial Legit or a Scam?

When considering any debt settlement company, it is crucial to conduct thorough research and evaluation. While Timberline Financial has been operating since 2014, it does not have a BBB rating or accreditation. The company has received a significant number of negative customer reviews, leading to a 1-star rating out of 5. It is essential to take these factors into account and carefully weigh the potential risks and benefits before making a decision.
Before engaging with a debt settlement company, consider the following steps:
- Customer Feedback: Review customer feedback and experiences to gain insights into the company’s track record and the quality of its services.
- Company Reputation: Assess the company’s reputation by checking for any regulatory or legal issues and verifying their certifications and affiliations.
- Service Transparency: Ensure that the company is open and honest about the services they provide and that they align with your specific needs.
- Financial Outcome: Evaluate the company’s past performance in resolving debts and achieving favorable outcomes for clients.
Taking these steps will help you make an informed decision and select the most suitable debt settlement company for your financial situation.
Conclusion
In conclusion, Timberline Financial offers debt settlement services aimed at helping individuals and families overcome financial challenges. However, it is essential to approach their services with caution. While the company has been operating since 2014, it lacks a BBB rating and accreditation.
Customer reviews indicate a high number of negative experiences, resulting in a low rating of 1 out of 5 stars. As with any financial decision, thorough research and careful consideration are necessary before engaging with Timberline Financial or any other debt settlement company. It is advisable to explore alternative options, seek professional advice, and weigh the potential risks and benefits to ensure the best possible outcome for your financial situation.
Timberline Financial
Timberline Financial Review
In conclusion, Timberline Financial offers debt settlement services aimed at helping individuals and families overcome financial challenges. However, it is essential to approach their services with caution. While the company has been operating since 2014, it lacks a BBB rating and accreditation.
Customer reviews indicate a high number of negative experiences, resulting in a low rating of 1 out of 5 stars. As with any financial decision, thorough research and careful consideration are necessary before engaging with Timberline Financial or any other debt settlement company. It is advisable to explore alternative options, seek professional advice, and weigh the potential risks and benefits to ensure the best possible outcome for your financial situation.