Timberline Financial, Amherst, NY

Timberline Financial is a rip off and waste of time Jake Seagal must be related to Benny aka Bugsy Seagal. Their whole plan or modus operandi. Is they tell you to let your accounts get delinquent so the can negotiate with the lender. Actually you can call the lender and DIY, first mistake. Then they will try to stretch you out to the longest term possible at $650.00 per month, mistake #2 because all of your $money$ goes towards fee$ Other words they will Nickle and Dime you/aka Milk you to death. Mistake #3 you don't hear from them until it's time for Timberline Financial to draw ACH funds eg.( They will tell you that they have an settlement offer and ask for your approval, just to come back the next week to say the lender didn't accept.) Their whole plan /M.O is to make you think they are making progress, in all actually their end game is to keep you on the string for the longest possible time 48/60 months. So it's 1,2,3 strikes you're out, at Timberline Financial Game. It's a game to them. However Your Credit Is Ruin, and Your back Where You Started. I wish there was a1/2 half star, because they aren't worth1 one star. #DONNOTDOIT #RECONSIDER #SQUAREONE

If you’re looking for an experienced debt consolidation company, don’t choose this one. Global Holdings LLC supposedly handles the money deducted each month from your account to settle debts. Initially things were fine but my program ran out with the largest debt still not paid and several thousand dollars sitting in an account. For over a year I have made calls and been given stories of how that rep would be the only one handling my case from now on due to poor mishandling, how they had a rep that deals with this creditor on a regular basis and was in negotiations with them on my behalf, how they would be calling me to make arrangements to give the money in my account to the creditor and I could make arrangements to pay them an additional amount in one lump sum or in installments. A call I never received. Today I learn I am no longer a part of Timberline as they failed to notify me they had cut me out as of May 2nd, two weeks ago. Failed to notify me, yet still have several thousand dollars of mine just sitting in an account with Global Holdings and a creditor that’s never been paid. I’ll be contacting that creditor and make them aware of what this inept / sham of a company has done but I won’t stop there.. This “company” is about to be made very uncomfortable because I would be willing to guess there are many people they need to account for funds.

This company is totally scam! Every month they took money $600 out my account and they only paid my creditor $17 , what are the rest of money go ? I didn’t know The rep who helped me with the program Her name is Jessica Donawu has not even responded to my txt or email . Every time I got a different rep and they all said different. I finally closed my program and they didn’t refund any of my money . I also couldn’t log on to my account to see . My credit now is a big mess ! Totally big mistake for ne

Some C U next Tuesday cancelled my account 2 months before it was supposed to be paid off. Do not work with this company. I tried to debt consolidate 3 accounts they only ever worked on one and even then they missed that up too.

This Company is absolutely terrible ! I’ve canceled my current account because I recently found out they never paid my creditor and collected 414$ a month directly from my account for 3 years . I completed this program in 2018 and assumed I was Debt free . I was Not and til this day a balance of 10k is on my credit report . They never paid my creditor and told me that it was completed . I’m currently looking to litigation against them . Somehow they can’t find my records of where my money went. Never Again !!

If I only could leave zero stars, I would have. I have been in the program with Timberline for almost three years and I finally cancelled on September 27, 2023. My experience with them has been nothing but unpleasant. Be aware!!! They sweet talk you in every and which way to get you to sign in, and they neglect your accounts by letting the creditors sue you and then Timberline assigns your account with their in-house law firm, Amerilit. You only get to work with an inadequate paralegal, who supposedly has your best interest, but this system only reaps more money from you. I have called several times, asking Timberline to contact my creditors due to law suit threats and actually has gotten served twice and they completely neglected my calls and requests. Stating that they have a system. And the system is such. to allow you account to go into a lawsuit and have the Amerilit handle it by charging you even more money. I caught on to their lies and finally cancelled after 2.5 years. I was told I had $960 in my escrow amount upon cancellation on 9/27/2023. I requested a statement and a refund. I was told it will take 2-4 weeks to process. When nothing was emailed/sent, I called again on 10/23/2023 and was told that the refund was not processed because they didn't' know where to sent the refund but I should receive in within 7-10 business days. Nothing happened and no statement was emailed. I just called them again today and escalated to speak to a manager. The manager told me that there is no refund as the $960 was used to pay fees that I owed them. What fees? I have been paying 25% fees monthly to them since November 2020 and with a $777 monthly fee they have only settled 2 accounts. You can imagine my frustration and disgust with these crooks. Be very aware that they DO NOT HAVE YOUR BEST INTEREST. They are crooks.

I wish I could give ZERO stars, as that is what they actually need to get. I am settling my final debt this month and I can honestly state that dealing with Timberline was like making a deal with the Devil! From exuberant fees to incompetent lawyers that charge for services they never completed you will go through hell dealing with this company. Forget that you agreed to a monthly installment at the start of the program. You WILL be asked and pressured on EVERY settlement by Timberline to make additional drafts and pay more into the program as if you could afford it. Their personnel is aggressive on the phone and does NOT care anything about the financial situation that their customers are in. If you are foolish enough to deal with this Devil, prepare yourself for thousands of dollars in hidden fees. You will be better off negotiating your own payment plans with your creditors and saving yourself a LOT of money doing it yourself. My story going through this program is shocking and is proven by facts. DON'T make the same mistake I did because you are under pressure from your creditors, you CAN do this on your own!

Complete RIP OFF! I'd give negative stars if I could. After all said and done I'm going to end up paying more than I would've not going through them. They tell you don't make your payments because it gives them more negotiating power. Of course this ruins your credit. Obviously I knew it would destroy my credit, but they assured me that once terms were worked out it wouldn't make that big of an impact. Then they call and say good news you qualify for a loan to cover the payments you are now making to them. Now the loan amount they say is "worst case scenario" and they keep working towards your settlement. But of course once they have their money they're you're dead to them. You try and call for answers "you've completed your program" with them any questions should now go to the lending company, Versara Lending. The leander they convince you is such a great option to go with. So you call them, and guess what, well you'll need to work that with Timberline. Normally I would've avoided anything like this but they caught me at a perfect desperate time.