Timberline Financial

Minimum Payments

Making just the minimum monthly payments on your credit card balances can take decades to become debt free. Learn how long it can take to become debt free and how costly the minimum monthly payments strategy can be.
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Debt Resolution

Negotiating with your creditors to pay back an amount less than the full balance owed can be an effective strategy to lower your monthly payments and become debt free years sooner. Learn more about this popular debt relief option.
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Credit Counseling

A Credit Counseling program can provide relief from high interest credit card debt and also reduce your monthly payment at the same time. However, you’ll have to qualify and you’ll pay back 100% of the amount you owe.
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Debt Consolidation

Consolidating your high interest credit card debts into a new collateralized loan can lower your interest rate and your monthly payment at the same time, but you must have a good credit score and verifiable income in order to qualify.
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Home Equity Loan

Using the equity in your home to pay off high interest credit card debt can be the fastest and most effective way to eliminate high interest credit card debt, but qualifying requires a good credit score and you must have sufficient, verifiable income.
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Credit Repair

If negative, incorrect and erroneous information on your credit reports are dragging your score down, working with a knowledgeable credit repair company can help you erase this negative information and get the good credit you deserve.
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Bankruptcy

If you have exhausted all other options and are unable to pay your creditors, Bankruptcy may bring protection from your creditors and the fresh start you need to help you rebuild your credit over time. Learn about the different types of Bankruptcy programs here.
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Debt Calculators

Use our helpful debt calculator to show how long it will take to pay off your high interest credit card debt. Just enter the amount you owe and your current interest rate and see how long it may take to pay off your debts under the different scenarios explained above.
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Reduce your monthly payment by as much as half.
Pay off your debts within 2 to 4 years.
Attain peace of mind because we do not collect a fee before we deliver results for you.

Time and Total Payments to pay off a $40,000 initial balance at 19.9% APR

Making Minimum Payments

$117,505

40+ Years
Credit Counseling

$68,400

60 months
Consolidation Loan

$52,181

60 months
Debt Resolution

$27,448

42 months

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"Great"

See some of the reviews here

Yes they return calls as soon as...

Yes they return calls as soon as possible.

Timmie M.
Timberline Financial exceeded expectations!

The Timberline Financial staff has exceeded my expectations! All of my questions and concerns were addressed and/or remedied. I was a bit apprehensive when I signed up; however, our representative explained in detail how the program works. I would definitely recommend this program to family and friends.

James G.
I found the staff to be friendly and...

I found the staff to be friendly and professional. It was a difficult decision to enter the program but they walked me through the process and answered all my questions. They also are very prompt returning my phone calls.

Kevin K.

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