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TurboDebt Debt Settlement Reviews

Sarah Edwards | September 23, 2024

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Fact-checked by Greg Anjewierden, J.D.

Greg Anjewierden
Attorney and CEO of Debtbrief
Greg Anjewierden, JD

Greg Anjewierden is the Founder and CEO of Debtbrief, where he empowers consumers sued by debt collectors with tools, legal representation, and self-defense strategies. With over a decade of legal experience, including as a former creditor’s rights attorney, Greg is committed to advocating for consumer rights.

Summary: TurboDebt reviews are mostly positive, even though it is a relatively new debt settlement company. You should know that TurboDebt is a partner of National Debt Relief, which means you’ll be bound by its price structure. Both companies can offer legitimate debt relief services, but at a price. Alternatively, you can settle debts on your own with the help of SoloSettle.

Debt settlement companies like TurboDebt are designed to help consumers crawl out from under unmanageable debt. That’s good news for many Americans, seeing as US credit card balances reached a jaw-dropping $1.079 trillion near the end of 2022, accompanied by an increase in unpaid balances. If you’re knee-deep in debt, could TurboDebt offer relief?

In this article, SoloSuit reviews TurboDebt and explains how to respond to debt collection lawsuits to get relief fast.

What is TurboDebt?

As a debt settlement company, TurboDebt helps consumers negotiate with creditors to lower the overall amount due or secure better loan terms. It also offers assistance in connecting consumers to debt relief programs that help them regain control of their finances.

TurboDebt reviews are pretty good

As of January 2024, TurboDebt reviews on Google earn it an average rating of 4.8 out of 5 stars from more than 2,300 customer reviews, which seems impressive on the surface for such a young company.

Check out a real TurboDebt review below:

A casual survey of the company’s reviews indicates that some customers are pleased with the simplicity of the process and the company’s commitment to customer service. For example, one client praises a TurboDebt representative: “I was in over my head and he showed me a way out.”

However, a few other reviews characterize the company, and its representatives, as “pushy” or otherwise unprofessional. Additionally, some reviewers seem unaware that debt settlement could negatively impact their credit.

Comparing TurboDebt vs. National Debt Relief

Since TurboDebt is a partner of National Debt Relief, it’s important to examine both companies. Google reviews give National Debt Relief a score of 4.6 out of roughly 4,500 reviews, though there are still many outliers. Generally, negative reviews revolve around these complaints:

  • Customers were unaware of the fee structure.
  • Customers did not know the impact on their credit scores.
  • Customers did not know they could be sued.

If customers approach the company with these things in mind, they may have a better experience — although the company will still charge as much as 25% of the total debt amount.

Learn what to do if you’re screwed by a debt settlement company.

How does TurboDebt work?

TurboDebt claims you could be debt-free in 24-48 months. To enroll, you can arrange a free consultation via phone or an online form. This form will ask about your debt amount, payment habits, and contact details. After you’ve signed up for the free consultation, a TurboDebt representative will reach out to you to explore your options, and if you choose to proceed, you'll join their program.

Once enrolled, TurboDebt negotiates with your creditors to lower the total debt amount you owe. As a part of the program, you will make regular payments into a TurboDebt account, which will be used to pay off the negotiated amounts once agreements are reached.

Remember that debt settlement programs often require you to stop making payments to creditors, which can lead to additional fees and interest, and there's no guarantee of creditors agreeing to settle. It's important to weigh the advantages and disadvantages before committing to any debt settlement company.

Note that TurboDebt partners with National Debt Relief, an established debt relief and consolidation company.

This partnership means that TurboDebt likely earns a commission from the larger company. As such, it’s important to understand that TurboDebt offers a free initial consultation — but after that, you’ll be in the hands of National Debt Relief.

Check out our review on National Debt Relief to learn more.

Now, let’s look at an example of how Turbo Debt works.

Example:Danel used TurboDebt to pay off his debt of $9,459 in just 10 months and saved $2,503. This means that Danel was able to save 27% of his debt amount, which is a huge win for debt settlement.


How much does TurboDebt cost?

Consumers may be drawn to TurboDebt’s promise of a free initial consultation. But keep in mind that because the company is a partner of National Debt Relief, users will be bound by that company’s price structure.

According to National Debt Relief, the cost will range between 15% and 25% of the total debt settled, though the company boasts that its clients save 46% by using their services.

Does Turbo Debt hurt your credit?

Yes, working with TurboDebt can hurt your credit. In general, debt settlement decreases your credit score, no matter the debt relief company that helps you.

The reason Turbo Debt may hurt your credit is because most debt relief and settlement companies advise you to stop making payments to your creditors so you can focus on saving that money to put towards your settlement offer. This occurs during the negotiation process of debt settlement.

Keep in mind that your credit score might drop while working with Turbo Debt, but if you stay consistent with your payments after you’ve settled your debt, your credit will eventually increase and exceed your score before resolving your debts.

Bottom line: Is TurboDebt worth it?

The glowing reviews indicate that TurboDebt is a legitimate service for those who want to work with a debt settlement company, though there are a few things to keep in mind:

  • TurboDebt partners with National Debt Relief to address your case.
  • TurboDebt is a new company without a long-term track record.
  • Your credit score will still be impacted, regardless of what company you choose.

Some consumers may benefit from pursuing their own debt settlement options, even if their creditor has initiated a lawsuit.

Respond to debt collection lawsuits fast with SoloSuit.

Every consumer needs the tools to take charge of their finances and get out of debt fast. If you’re facing unmanageable debt or a debt lawsuit, SoloSuit can help.

Settle debt by yourself with SoloSettle

You can take matters into your own hands and settle your debts by yourself with the help of SoloSettle.

SoloSettle, powered by SoloSuit, is different from traditional debt settlement companies. Here’s how:

  • You can settle the debt on your own with SoloSettle.
  • You have legal defense built in with SoloSuit. You can respond to a debt lawsuit and fight off collectors in court while working on the settlement.
  • You don’t have to make any payments until you’ve reached a debt settlement agreement.
  • You can settle a debt of any size with SoloSettle. Many debt settlement companies require you to have a large debt of $15,000 or more to enroll.
  • You stay updated with each step of the settlement process until an offer is accepted by your creditor or collector.

Most importantly, SoloSettle makes it easier for you to settle your debt for less. Let’s take a look at an example of how to use SoloSettle to settle a debt for good.

Example: Dave is being sued for a $7,000 credit card debt by PRA Group—a debt collection agency. He uses SoloSuit to draft and file an Answer to the lawsuit, giving himself time to investigate his options for settling the debt. After taking a close look at his finances, Dave decides he can afford to pay off 65% of the debt right now, or $4,550. He uses SoloSettle to start the debt settlement negotiation process with the opposing lawyer, sending his first offer at 40% of the debt, or $2,800. After a few rounds of counteroffers, PRA Group’s attorney agrees to settle for 60%, or $4,200. Dave ends up saving thousands of dollars, gets the case dismissed, and can finally move on with more financial freedom.


Still not convinced? Check out this review from a real SoloSettle customer:

“I'm very thankful for SoloSettle. Having a third party negotiate the settlement was instrumental in resolving this case and saved me from two giant headaches: 1) I didn't have to deal with the plaintiff's lawyer and 2) I didn't have to go to court. I also love that the payment was processed through SoloSettle. I was nervous about sharing my personal financial data with the other side, but SoloSettle protected that for me. I hope I never get sued again, but if I do, I would use SoloSettle again in a heartbeat.

SoloSettle really saved me a ton of time and heartburn and kept me from having to be my own lawyer in court.”

Check out this video to learn more:

Respond to a debt lawsuit with SoloSuit in minutes.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

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>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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The Ultimate 50 State Guide

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Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

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Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

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Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

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Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

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Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Settle your medical debt

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Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources


Not sued yet?

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Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.


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