Start My Answer
loading...

Turnbull Law Group Debt Settlement Reviews

Sarah Edwards | February 01, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Edwards 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.

Turnball Law Group might not be your best option for debt settlement.

Summary: Turnbull Law Group is a law firm that can help you fight creditors in court and negotiate a debt settlement. However, based on their online reviews and business rapport, it may not be the best idea to enroll in their debt settlement programs. In this article, SoloSuit explores Turnbull Law Group Debt Settlement to determine whether their services are legitimate.

If you’re looking for help settling your debts, you’ll need to find a company you can trust. There are many debt settlement organizations that make lofty promises but can’t deliver on their results. Some will take your money and disappear forever, while others won’t do anything to settle your debts, leaving you with a poor credit score.

One company that offers debt settlement services is Turnbull Law Group. Today, we’ll evaluate Turnbull Law Group to determine whether they’re worth your time.

Do you need help validating a debt? Check out SoloSuit’s Debt Validation Letter.

How the Turnbull Law Group debt settlement process works

Turnbull Law Group’s debt negotiation program allows consumers to work their way out of debt by negotiating lower balances with creditors.

Initially, clients meet with an attorney to explain their financial situation. If they enroll in the program, they make monthly payments toward debt settlement, which Turnbull Law Group places in a special account.

As the balance accumulates, Turnbull Law Group negotiates a settlement with each creditor. Clients must approve each settlement and pay a fee to Turnbull Law Group for their services. Most programs last between two and four years.

Here’s an example of how debt settlement typically works.

Example: Gina has $10,000 in outstanding debt, which she’d like to settle with her creditors. She enrolls in Turnbull Law Group’s debt negotiation program and makes monthly payments of $250. After several years, Turnbull settles all of Gina’s debts, and she completes the program.


Turnbull Law Group’s debt negotiation program purportedly offers a few additional benefits. For example, a licensed attorney oversees the debt settlement program and provides attorney representation if a creditor decides to sue the consumer for their obligation.

Some concerns about the Turnbull Law Group

The Turnbull Law Group website sounds legitimate, and its debt negotiation service includes legal assistance for potential debt lawsuits.

However, we noted two red flags. The first is the lack of information about the company administrator, Christopher Turnbull. Most lawyers are transparent about their practices, but the website doesn’t provide any details about Mr. Turnbull’s legal education, practice, or case results.

The second concern has to do with the group’s homepage, which features a prompt to start the consultation process with a consent form underneath. This form stipulates that your submission authorizes Turnbull Law Group to call you using auto-dialers and automated texts, even if you’re registered on a Do Not Call list.

We’re hesitant to recommend providing any contact information to companies that use auto-dialers and robocalls. Legitimate companies don’t use these practices to communicate with their customers.

What the reviews of Turnbull Law Group say

The Better Business Bureau (BBB) should be your first stop if you’re looking for reviews of debt settlement companies. The BBB is a trusted resource of business information, and valid organizations will aim to have a strong rating with the BBB.

Currently, Turnbull Law Group has no BBB accreditation. In addition, the BBB placed an alert on the company, noting that they performed an investigation into the business in November 2020.

According to the BBB, consumers allege that they made payments for debt settlement, but the business didn’t apply them to their obligations. Others complained that they didn’t receive legal representation from Turnbull after receiving a court Summons for debt.

When the BBB asked Turnbull Law Group for supporting information, such as fee disclosures and written agreements, they refused to provide it. As a result, the BBB states they can’t offer confidence in the company’s business practices.

While the company has strong customer reviews with the BBB and averages 4.64 out of 5 stars, they've also received several complaints.

One such complaint notes that Turnbull Law Group continued to debit the customer’s bank account even after they canceled their program. The customer was left with overdraft fees and missed bill payments due to the overdrafts, which Turnbull Law Group says they made in error.

Another customer complained about a similar matter. They completed the debt negotiation program and paid off all their debts, but Turnbull continued to debit their account for weeks after graduation.

Turnbull also had excess funds in the client’s bank account of nearly $7,000, which they didn’t return promptly. The consumer indicated they would file a complaint with the FTC if they didn’t receive a refund.

Our take on Turnbull Law Group

In our opinion, it’s probably best to avoid the Turnbull Law Group.

While customers may appreciate that a lawyer oversees their debt negotiation program, there are many concerning factors present, like the BBB alert, numerous customer complaints, and more. Steer clear and find a debt settlement company that’s more transparent about its offerings.

Is a debt collector suing you? Settle your debt with the help of SoloSettle.

Settle debts on your own 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.

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.


Check out this video to learn more:

What is Solo?

Solo makes it easy to resolve debt with 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.

SoloSettle can help you contact your debt collector or creditor and negotiate the debt to settle for less, all online. It simplifies and streamlines the process to settling your debt.

No matter where you find yourself in the debt collection process, Solo is here to help you resolve your debt.

Respond with SoloSuit

Get Started

>>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.)

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

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.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

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)

Check the status of your court case

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.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

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.

Other debt settlement resources

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.

How to resolve student loan debt

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

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

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.


"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather



Get Started

Contents