If you are getting repeated calls, texts, or emails from Timberline Financial about debt relief, the safest first move is usually to slow the process down, save evidence, and demand clear written details before you share personal information or agree to any payment plan. This guide explains how to reduce contact, verify who is calling, and respond if you think the communication could be misleading or excessive.
Table of Contents
- Who is Timberline Financial?
- Why this company may be contacting you
- What to do if they are calling you
- What they say they do
- What harassment can look like
- When contact could potentially cross the line
- What to do if they mention legal action
- What to do if the account is legitimate
- Your rights under federal law
- How to reduce calls, messages, and confusion
- Reviews and where complaints show up
- Get help
- Conclusion
Who is Timberline Financial?
Timberline Financial is a U.S.-based company that describes itself as working with consumers burdened by credit card debt to develop a plan to reduce debt and pay creditors in the shortest time possible.
What the Timberline Financial is and is not
This firm provides a debt settlement style “debt resolution” service and is not a law firm.
That matters because you should treat sales calls as marketing, not legal advice, and you should verify any claims in writing before you make decisions that affect your credit, budget, or legal deadlines.
A name-check note people get wrong online
Some consumers search for Timberline Financial Inc when trying to identify the business behind a call or ad. Public Better Business Bureau information describes the entity as an LLC, so it may be safer to rely on the name and address printed on your documents, then cross-check those details using reputable sources.
Why Timberline Financial may be contacting you
Timberline Financial may contact you because you submitted your information through an online form, a partner marketing site, or a phone call that requested debt relief information. The company also may contact you if you previously spoke with a representative and asked for options or a follow up.
In other situations, contact can happen after your contact information is shared through lead-generation networks. If you think you did not consent, that could indicate the lead source is the issue, not just the caller, and it can change what you request in writing.
Common, verifiable reasons consumers get contacted
You asked for debt relief information
Debt relief marketing often starts with a request for a quote, a call back, or a program explanation. If you believe you asked for info weeks or months ago, the follow up could be connected to that.
You are already enrolled and customer servicing is happening
If you enrolled, program communications may include calls about deposits, account status, or creditor updates. The AFCC disclosure explains that you must save sufficient funds to enable negotiations and that the process can take many months.
You are being contacted in error
Wrong-number calls happen. If you believe the calls are for someone else, your goal is to put a wrong-party dispute in writing and request that contact stop.
What to do if Timberline Financial are calling you
This contact becomes easier to manage when you switch from phone conversations to a paper trail.
Step 1: Preserve evidence before you respond
Save:
- screenshots of call logs
- voicemail audio files
- the full text of any SMS messages
- emails with headers if possible
- envelopes and letters if anything arrives by mail
Evidence matters because your memory is not a timeline. A call log is.
Step 2: Ask for written details, not a phone debate
Use one sentence:
“I’m requesting the details in writing. Please send the company name, address, and a summary of what you are offering.”
Then stop talking. If you believe the call is high-pressure, keeping it short reduces risk.
Step 3: Do not share sensitive data until you verify identity
Before you confirm or provide:
- bank routing numbers
- debit card numbers
- full Social Security number
- employer information
Ask for:
- the company mailing address
- a callback number you can verify independently
- an email address for customer support
- a written disclosure of fees and timelines
The company’s contact page lists a mailing address, phone number, fax, and customer service email you can use as cross-check points.
Step 4: Create a simple harassment log
If you believe the contact is excessive, log:
- date and time of each attempt
- number used
- what was said in one sentence
- whether you asked for written communication
- whether you requested Do Not Call or stop-contact preferences
A log is how you turn “too many calls” into facts.
What they say they do
The company states it works with consumers burdened by credit card debt to develop a plan to reduce debt and pay creditors.
Debt settlement disclosures that matter for consumers
The AFCC disclosure explains that:
- you are enrolling into a debt settlement program
- no results can be predicted or guaranteed
- creditors may continue collection efforts while you are enrolled, including phone calls, letters, sending accounts to collection agencies, or even filing a lawsuit
- the company cannot force creditors to negotiate or accept a settlement
- the company is not a law firm and does not provide legal advice
The same disclosure warns that missed or reduced payments can lead to delinquencies that may be reported to consumer reporting agencies and that balances can grow due to interest, penalties, and fees.
These points matter because some consumers feel “harassed” by creditor calls during a debt settlement program. The program itself may not stop creditor contact, and you may need a separate plan for call control and documentation.
Timberline Financial Contact information
Timberline Financial Phone Number and contact details appear on the company’s official contact page.
Address and contact details
Use the details on your written paperwork first. If you need to cross-check, these are publicly listed.
| Category | Details |
| Mailing address (company site) | 115 Lawrence Bell Drive, Amherst, NY 14221 |
| Timberline Financial Phone Number | 855-250-8329 |
| Fax | 855-700-2974 |
| Email (customer support) | cs@timberlinefinancial.com |
| Business hours (company site) | Mon to Fri 9:00 AM to 5:30 PM ET |
| BBB listed locations (Buffalo profile) | 115 Lawrence Bell Dr, Buffalo, NY 14221-8447; 40 Fountain Plz Fl 9, Buffalo, NY 14202-2229 |
| State licensing disclosures (company site) | Maryland 5109483 (Debt Settlement Service Provider); Missouri 7128317 (Debt Adjuster) |
Customer service workflow that avoids mistakes
Timberline Financial Customer Service issues are easier to resolve when you send one email that includes:
- Your full name as on the account
- The last four digits of the number they have on file (only if you are sure it is legitimate)
- A clear request: “Please confirm the program status, fees charged to date, and the current balance in my dedicated account.”
- A request for a written copy of the agreement and fee schedule
If you believe the issue involves unauthorized enrollment, ask for the cancellation policy and the exact steps to revoke any permission to contact you.
What harassment can look like
Timberline Financial Harassment usually means repeated contact that feels like pressure, confusion, or unwanted marketing. The key is to document patterns, not just frustration.
Examples that could indicate a problem, depending on the facts
- Multiple calls per day after you asked for no calls
- Repeated texts after you replied STOP (if applicable)
- Calls that continue after you asked for mail-only communication
- Threats or certainty language that does not match the written disclosures
- Requests for money or bank details before you receive written program terms
- Different callers using different numbers but pushing the same immediate decision
The company’s Do Not Call policy can be used as a concrete step
Timberline Financial states that Do Not Call requests will be honored within 30 days and effective for at least five years, and that no telemarketing calls will be made to numbers on the internal Do Not Call list described in its policy.
If you believe you already requested Do Not Call and calls continued, preserve the date you asked and keep copies of the request.
When contact could potentially cross the line
Only a court or regulator can determine whether conduct is unlawful. Still, if you believe calls or texts are continuing after you clearly revoked consent, that could potentially raise issues under federal rules like the TCPA, depending on how the calls were placed and what consent existed.
Indicators that might violate rules, depending on the evidence
- You clearly asked for no calls and they continued anyway
- You revoked consent but the calls continued for weeks
- You asked for written communication only and calls continued at a high rate
- You think the caller is using prerecorded messages or autodialing without permission
- You believe your number was obtained through deceptive lead generation
The Federal Register describes FCC rules intended to strengthen consumers’ ability to revoke consent to unwanted robocalls and robotexts and requires callers to honor those requests in a timely manner.
What to do if they mention legal action
Timberline Financial is not a law firm, and its AFCC disclosure states it cannot provide legal advice and that if you are sued you should consult a lawyer licensed in your jurisdiction.
If someone says “lawsuit,” slow down and verify
Do this immediately:
- Ask which creditor is allegedly suing
- Ask for the court name and case number
- Request the information in writing
- Do not assume a voicemail is proof
The AFCC disclosure also explains that creditors may continue collection efforts during a debt settlement program and that such efforts can include a lawsuit.
If you receive real court papers, respond by the deadline. If you are unsure the papers are real, you can check the court docket for confirmation.
What to do if the account is legitimate
If you decide you want the program or are already enrolled, treat the next steps as an evidence-controlled process.
Get every key term in writing
Ask for:
- The fee schedule and when fees are earned
- The timeline estimate and what can change it
- How deposits are handled and who controls the account
- What communications you should expect from creditors
- What happens if you cancel
Reduce “surprise” calls by setting a single communication channel
If you prefer email, state that preference in writing. If you prefer mail, request mail. Clear preferences can reduce back-and-forth phone calls.
Understand what “success” can realistically look like
The AFCC disclosure states that settlement timing depends on factors like hardship, account age and balance, available funds, and creditor willingness, and that no guarantees can be given.
Your rights under federal law
If you believe the contact is telemarketing, not debt collection, the main federal tools are often the FTC’s Do Not Call framework and the Telephone Consumer Protection Act (TCPA) rules on calls and texts.
National Do Not Call Registry
The Do Not Call Registry is an FTC tool to reduce telemarketing calls. If you receive an unwanted call after your number has been on the registry for 31 days, you can report it to the FTC.
Telemarketing Sales Rule and debt relief services
The Federal Trade Commission has published guidance on debt relief services and its Telemarketing Sales Rule, including the advance fee restriction for debt relief sold over the telephone.
TCPA and revoking consent
If you believe you are receiving robocalls or robotexts without valid consent, the TCPA may be relevant. The FCC has also adopted rules intended to make revocation of consent easier for consumers.
How to reduce calls, messages, and confusion
Contact tends to drop when you do three things: document, opt out in writing, and block unknown numbers after you preserve evidence.
Step-by-step stop-contact checklist
- Save evidence for 7 to 14 days (calls, voicemails, texts, emails).
- Send one written request that says:
- “Put me on your Do Not Call list.”
- “Confirm in writing that my request was received.”
- “If you believe I consented, tell me the date, time, and source of that consent.”
- Register your number at the National Do Not Call Registry if you have not already.
- Use call blocking and call labeling tools from your phone carrier or device.
- If calls continue, report persistent telemarketing calls to the FTC when appropriate.
- If you think your rights could have been violated, consult a consumer rights attorney profile.
A simple script that reduces pressure
If you answer:
“I’m not agreeing to anything on this call. Send details in writing.”
Then hang up.
Reviews and where complaints show up
Timberline Financial Reviews can appear on third-party platforms and business profile sites. Reviews are consumer opinions and allegations, not proven facts, but repeated themes can tell you what to document carefully.
What BBB complaint data shows
Timberline Financial BBB complaint data on BBB’s Buffalo profile lists 12 total complaints in the last 3 years and 2 complaints closed in the last 12 months.
If you read complaint narratives, focus on verifiable themes such as:
- Billing disputes
- Unclear timelines or expectations
- Confusion about fees or balances
- Cancellation and documentation requests
Treat these as signals to handle pressure from a collection agency request written documentation, not as proof of wrongdoing.
What “customer service” complaints often boil down to
Timberline Financial Customer Service frustrations often come from unclear expectations about how long negotiations take, what fees are charged, or why creditor calls continue. The AFCC disclosure explains that the process can take many months and that creditors may continue collection efforts while you are enrolled.
Get help
If you believe Timberline Financial Harassment is continuing after you opted out, or if you think you were enrolled without real consent, a consumer rights law firm can help you turn your evidence into a clear plan.
Consumer Rights Law Firm PLLC
At Consumer Rights Law Firm PLLC, the mission is to protect consumers from unfair and abusive practices and help them enforce rights under federal law. The firm focuses on matters involving the FDCPA, FCRA, and TCPA.
| Item | Details |
| Name | Consumer Rights Law Firm PLLC |
| Address | 133 Main Street, Second Floor, North Andover, MA 01845 |
| Phone | +1 877-700-5790 |
| help@consumerlawfirmcenter.com |
If you want help drafting a Do Not Call request, documenting consent issues, or evaluating whether calls could potentially violate the TCPA, contact Consumer Rights Law Firm PLLC using the phone number in the table above.
Attorney background
Jeff Wood is an accomplished attorney based in Arkansas, fully licensed to practice law. With over 15 years of experience, Mr. Wood focuses on consumer protection matters involving the FDCPA, FCRA, and TCPA.
Success stories
Conclusion
Timberline Financial can be part of a debt relief search process, but unwanted contact can feel overwhelming if you do not control the communication channel. Your best protection is evidence-first: save call logs, opt out in writing, request the source of consent, and rely on verified contact details before you share personal information.
If you believe Timberline Financial Customer Service is not resolving opt-out requests, or if you think calls could potentially violate telemarketing rules, Consumer Rights Law Firm PLLC can help you evaluate options.
FAQs About Timberline Financial
How do I stop Timberline Financial calls fast?
Save call logs, then send a written Do Not Call request. Ask for written confirmation and the source of any consent. If calls continue after your number is on the Do Not Call Registry for 31 days, you can report them.
What is the Timberline Financial Phone Number to verify a call?
Use the number on your paperwork first. The website lists 855-250-8329 plus an email and mailing address for verification. Call the published line, ask for written details, and avoid trusting caller ID because spoofing is common.
What is the Timberline Financial address?
The company’s contact page lists 115 Lawrence Bell Drive, Amherst, NY 14221. BBB also lists Buffalo locations. If details conflict, request written confirmation before sending documents or money.
Can Timberline Financial stop my creditors from calling?
Debt settlement programs may not stop creditor contact. The AFCC disclosure states creditors can continue collection efforts while you are enrolled. If you believe calls are excessive, document them and ask for help.
If I enrolled, why are creditor calls still happening?
Creditor calls can continue during debt settlement, especially early in the process. The AFCC disclosure notes the time to settle depends on factors like savings and creditor willingness, and there are no guarantees.
Where can I check this company BBB complaint information?
BBB publishes a complaints summary and location list. Complaint narratives are allegations, but the counts can help you understand common themes to document, like billing questions and timeline disputes.
What should I ask Timberline Financial Customer Service to send in writing?
Ask for the agreement, fee schedule, deposit schedule, cancellation steps, and a timeline estimate. If you believe you did not consent, request the date and source of consent and confirm your Do Not Call request in writing.
Are Timberline Financial Reviews reliable?
Reviews are opinions, not proof. Use them to identify what to verify, like fees, timelines, and cancellation documentation. For facts, rely on written disclosures and official contact information.
What does Timberline Financial say about Do Not Call requests?
The privacy policy states Do Not Call requests will be honored within 30 days and stay effective for at least five years. Save proof of your request, note the date, and keep any reply confirming the preference was added.
How can Consumer Rights Law Firm PLLC help with Harassment?
They can review call logs and opt-out proof, help you draft clear written requests, and evaluate whether the facts could potentially support Telephone Consumer Protection Act claims. They can also help you plan next steps if contact continues after opt-out.
