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Turnbull Law Group

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8.3

Overall Score

Author: Kaitlyn Short

LAST UPDATED: December 17th, 2024

Turnbull Law Group specializes in helping consumers resolve debt and defend against creditors.

The law firm provides attorney-represented debt negotiation in certain states. The minimum debt requirement is $12,000. For clients dealing with financial hardship, and who can make regular deposits into an account to pay for settlements, debt negotiation provides an alternative to bankruptcy.

The firm also provides bankruptcy representation, consumer litigation defense against creditors, and representation for clients dealing with abusive debt collection practices (FDCPA violations).

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The Good

  • Debt Negotiation Program
  • Clear and Simple Explanations
  • No Fees Charged Until After a Debt Is Settled

Debt Negotiation Program

Through Turnbull’s debt negotiation program, clients may be able to get out of debt faster than with other programs.

The benefits of enrolling into Turnbull’s program include the following:

  • Savings — clients may only pay a fraction of what they currently owe
  • Speed — clients can resolve their debt much faster than if they were making the monthly minimum payments
  • Affordability — the monthly deposit is usually less per month than the minimum payments

Turnbull’s attorney-represented program allows potential clients a free one-on-one consultation with an attorney before enrolling.

Additionally, clients will receive a licensed attorney to oversee their entire program and clients will have attorney representation if any of the creditors decide to use legal action to collect the debt.

Those who enroll in the program will make monthly deposits into an FDIC-insured Dedicated Account (owned and controlled by the client). As the funds begin accumulating, the law firm will then create a negotiation strategy based on the creditors and amount owed.

Regarding the negotiation strategy and available funds, Turnbull’s attorneys and negotiators will work directly with the creditors to reduce the amount owed. When an agreement is reached, the attorney will present it to their client for approval.

Once approved, funds in the Dedicated Account will be used to pay the creditors and Turnbull’s fees for that settlement. The process is continued until all debts are paid off.

Depending on the situation, the program can last anywhere between 24–48 months.

Clear and Simple Explanations

Turnbull’s website thoroughly explains debt negotiation, consumer litigation, and bankruptcy law in a clear and concise way that helps clear up any potential questions.

When it comes to legal issues, many people don’t fully understand their rights. This can lead to debt collectors and creditors taking advantage of the situation. Turnbull Law Group strives to help clients navigate the often-confusing world of legal services. The law firm helps clients make well-informed decisions and walks clients through the “jungle of legislation, procedural court requirements, and unexpected challenges.”

No Fees Charged Until After a Debt Is Settled

With debt negotiation, the law firm doesn’t get paid until the client accepts a settlement offer. Unlike other types of legal services, there are no up-front retainer fees with debt negotiation.

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The Bad

  • Limited Availability

Turnbull services are limited to the states in which their attorneys are licensed to operate. Its debt negotiation services are only available to consumers with $12,000 in debt, who are experiencing a financial hardship, and who can put money aside into a bank account to pay off settlements. To find out details about how debt negotiation works and if they qualify, consumers need to call a certified debt consultant to see if they qualify for the law firm’s services.

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The Bottom Line

Turnbull Law Group is a law firm and debt relief agency specializing in helping consumers deal with debt and creditors. The law firm’s website is a great source of information for people looking for information about bankruptcy, financial management, and debt relief. Turnbull focuses on serving consumers and business owners who are overwhelmed by the complexity of legal domains such as The Fair Debt Collection Practices Act (FDCPA), bankruptcy law, consumer protection law, and business law.

However, the law firm explains that the information on the site is not to be used as legal advice and may not always reflect current legal developments or variations of the law in different jurisdictions. It’s best to contact Turnbull Law Group directly to ensure its services are right for you.

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Turnbull Law Group Frequently Asked Questions

How does debt negotiation work?

When you enroll in the Turnbull debt negotiation program, you make monthly deposits into an FDIC-insured Dedicated Account that you own and control. As the funds accumulate, we create a custom negotiation strategy based on your particular mix of creditors and debt amounts in order to maximize your savings. Based on your strategy and available funds, our attorneys and negotiators work directly with your creditors to negotiate a reduction in the amount you owe. When an agreement is reached, we will present it to you for approval. Once approved, the funds in your Dedicated Account will be used to pay your creditors and Turnbull’s fee for that settlement. After the full settlement amount is paid, you no longer owe on this debt. We will continue this process until all your debts are resolved!

How long does debt negotiation take?

The program length varies from 24-48 months, depending on each individual’s situation. This is considerably shorter than it would take to pay off a large amount of high-interest debt by making minimum monthly payments.

How much does debt negotiation cost?

We work with you from the beginning to make sure the monthly program deposit is one you can afford. Your monthly deposit includes estimated settlement amounts as well as legal fees and service costs. The settlement fee is a percentage of your enrolled debt.

How do I learn more?

Turnbull Law Group has attorneys who are licensed to operate in certain states. Contact a Certified Debt Consultant at 800-674-1504 for a free debt consultation to see if you qualify.

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4.6

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335 Reviews

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2%

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Featured Review

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Lisa Plack

I like them because they are always communicating with me about my debt, I never have to call and ask about what is being paid because they let me know everything that is going on.

6 months ago

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Reply from Turnbull Law Group

Thank you for sharing your feedback, Lisa. We provide several options to be informed of the progress of your program, including emails, a phone team and Client Dashboard. Thank you for choosing Turnbull Law Group.

Jun. 13th, 2024

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Featured Review

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Robert Moff

Been working with them for the last 6 months and they have been very professional and have received excellent settlements thus far. I'm happy that I contacted them for my debt relief. Would highly recommend.

6 months ago

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Reply from Turnbull Law Group

Thank you for sharing your positive experience, Robert. We are happy to be your partner on your journey to financial freedom. Thank you for your recommendation.

Jun. 6th, 2024

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Amber Evans

I have been in the program with Turnbull for almost 2 years now and it has truly changed my life! They have settled all my debts and made it less stressful when it comes to getting them all paid off. They took the stress out of settling with the creditors and did everything for you and knowing I only hav who make payments to them every other week and they take care of the rest has truly put my mind at ease!

4 days ago

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Reply from Turnbull Law Group

How exciting to see the finish line getting closer, Amber. Thank you for sharing your positive experience.

Dec. 18th, 2024

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Jbrooks7770

Turnbull Law group kept me from filing bankruptcy through the bidenomics we are all going through. I make decent money but was sinking so fast with this economy. They are wonderful in getting you a fair balance. Credit card thieves and their interest rates. $5 gas quadruple grocery prices… they saved the day

4 days ago

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Reply from Turnbull Law Group

Thank you for sharing your experience! We are happy to be your partner on your journey to becoming debt free.

Dec. 18th, 2024

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Andre Williams

It's been two months or so and last week my first account was taken care of I'm super happy right now and can't wait until the accounts are paid off. Thank you guy for working hard to negotiate with these companies to pay off my cards I really appreciate it.

1 week ago

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Reply from Turnbull Law Group

Hello Andre,
Thank you for sharing your experience. What a great feeling when you see your debt being satisfied!

Dec. 17th, 2024

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Robin Rusu

I called when I could no longer afford my monthly payments on my bills. We went over everything he explained everything so I could understand and not be confused. Very helpful company and if I had an issue and called them they got ahold of me right away.

2 weeks ago

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Reply from Turnbull Law Group

Thank you for sharing, Robin. We are happy to hear that you have felt well supported in your program.

Dec. 6th, 2024

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Rubin E

Great customer service. They are the best at handling any issue that comes up. They are very thorough keeping me updated on my progress.

5 days ago

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Reply from Turnbull Law Group

Hello Rubin,
We are so happy to hear that you feel well supported with the communication in your Turnbull Law Group program.

Dec. 17th, 2024

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K with a K

i was approved for the Achieve acceleration loan and turnbull was supposed to represent me in court with a creditor. i made numerous calls and they never contacted me about court. my debt is worse than it was before. i am trying to find out who i can talk to and sue them. it's not right to do people like they are doing. wish i knew then what i know now.

5 days ago

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Reply from Turnbull Law Group

Hello K ~
We are sorry you have not felt supported in the legal account in the program. We will continue to work on your file until we find a resolution.

Dec. 17th, 2024

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Andrea Taylor

Rebecca was extremely kind and understanding with my situation and showed a lot of sympathy. It was just nice to know someone out there cared annd she didn't even know me. She was a very very kind lady.

3 weeks ago

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Reply from Turnbull Law Group

Thank you so much for sharing your positive experience, Andrea. We hope that you have found yourself in a better position due to Rebecca's help!

Dec. 2nd, 2024

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Nick

Turnbull has really helped get some of my debt out of the way and great to work with. My credit score has gone back up and continues in that direction. You need to check them out!

4 weeks ago

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Reply from Turnbull Law Group

Hello Nick, and thank you for your recommendation! While credit repair is not part of the service that we provide, we are glad that you have found your credit score is improving.

Nov. 25th, 2024

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Jamie

I have yet to get a debt officially paid off, but one has been made into a settlement with 3 payments coming up. The only thing I would like is better communication or details. Not constantly, but it has been confusing to me for my account to have enough to cover the full owed balance and the lawyer fee and there wasn't a settlement request for weeks afterward. But, they did save me a good amount on what I owed, almost as much as they predicted to save me in total so that's a good sign.

1 month ago

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Reply from Turnbull Law Group

Hello Jamie,
Thank you for sharing your feedback about the Turnbull Law Group program. Congratulations on your first settlement.
I would like nothing more than to go over the program with you, and make sure you feel fully supported in this part of your financial journey. We offer several options to keep you informed about your progress, including email, phone, and your personalized Client Dashboard.
Please call our Client Services team, and ask to speak with an account specialist.

Nov. 8th, 2024

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Nancy Sebring

I love this group. They help get debts paid off. They work with you to make payments easier. They have quick response to my needs.

4 days ago

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Reply from Turnbull Law Group

Hello Nancy,
We are happy to hear that you have felt well supported by our team during your program.

Dec. 18th, 2024

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Nicole Timm

Always nice and full of information. A.swered every question i have and help ease my mind during the process.

6 days ago

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Reply from Turnbull Law Group

We are so happy to hear that our team has helped to relieve some of your financial stress, on your journey to becoming debt free.

Dec. 17th, 2024

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AVAJ 7

I liked the way everyone was very informative. Super polite. Made me feel like they were sincere and cared about my financial future

1 week ago

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Reply from Turnbull Law Group

Thank you for sharing your experience. We are happy to hear that our team has helped you to feel supported in your debt settlement program.

Dec. 17th, 2024

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Gail

I just wish the calls would stop from my creditors. I have spoken to them and given the customer service number, but the calls continue!

1 week ago

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Reply from Turnbull Law Group

We are sorry to hear that you are still being bothered by creditor calls, as they should taper off soon. Please contact our client support team or visit your client dashboard for additional call handling tips.

Dec. 12th, 2024

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Mac B

You did what you said you were going to do. I’ve been with you for a month and a half, and you’ve already settled one of my accounts. Bravo.

1 week ago

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Reply from Turnbull Law Group

Congratulations that your program is moving along so quickly, Mac. You can continue to track your progress on your client dashboard.

Dec. 12th, 2024

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Melba Lawrence

I like the web site . All the information available helps keep track of the process. I had some difficulty getting someone on the phone. I kept trying till I got to a customer person.

3 weeks ago

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Reply from Turnbull Law Group

Hello Melba, We are sorry to hear that you have had a hard time reaching us by phone, but it could be due to the holiday weekend. We are glad to hear that you were able to find answers on your Client Dashboard.

Dec. 2nd, 2024

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Janice Schneidermeyer

I have to call every month because I can no longer afford to deposit the original deposit amount. I wish that I did not need to call every month but I guess I have no choice. With that tho, I must say that the people there are always very kind and understanding.

2 months ago

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Reply from Turnbull Law Group

Hello Janice... thank you for sharing your feedback. We are sorry to hear that you are experiencing additional hardships each month.

Oct. 25th, 2024

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Craig Kennedy

When it comes helping individuals getting there finances back on track there no group in the entire world like the TURNBULL LAW GROUP 🙂at this present time I'm represented by the TURNBULL LAW GROUP I know I'm made a great not good decision so if you need help getting your life back on track contact the TURNBULL LAW GROUP A1 service

2 months ago

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Reply from Turnbull Law Group

Hello Craig, and thank you for your feedback. We are happy to hear that our program has been a good fit for your goal of financial freedom.

Oct. 7th, 2024

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Melanie Theresa Zurawski

When I call customer service or any other person, I always get information on what I should expect and do. Everyone there are very helpful and patient with me. I appreciate what they do in order to help me get out of debt. Thank you everyone and have a great holidays!

2 months ago Edited December 9, 2024

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Reply from Turnbull Law Group

Hello Melanie and thank you for your recommendation. Our years of experience provide a foundation to get you the best savings on the account balances. Thank you for choosing Turnbull Law Group.

Oct. 7th, 2024

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Jonathan Felts

I am very pleased with my experience working with Turnbull Law Group. From the start, they have been professional, supportive, and clear in their communication, guiding me every step of the way. I’ve made noticeable progress on resolving my debt, and I truly feel like they have my best interests at heart. The team has been responsive and efficient in handling my case, which has greatly reduced the stress of the situation. I appreciate their expertise and trust them to help me reach my financial goals. I would highly recommend their services to anyone needing debt resolution assistance.

3 months ago

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Reply from Turnbull Law Group

Hello Jonathan ~
Thank you for sharing your experience and for your recommendation. We are happy to hear that you have felt supported and well informed. Thank you for choosing Turnbull Law Group.

Aug. 26th, 2024

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Mastewal Asefa

I was desperate about my debt worried,but now I got relief that make me think forward

5 days ago

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Reply from Turnbull Law Group

One of our goals is to give relief to the financial stress of everyday people. We are happy to hear that we could help you, Mastewal!

Dec. 18th, 2024

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Samantha Vance

The worst customer service around! There is only one person that listens that I have spoken to in over a year. If I could go back in time I would have negotiated with the credit card companies myself. They charge ridiculous fees, and none of them communicate. The company does everything they can to keep you locked in the program for as long as you agree to be. They do everything possible to not allow you to pay off your debt sooner(probably so they can keep collecting the fees). I would 10/10 NOT recommend to anyone. If you are able to call your debt collectors your self!

3 weeks ago

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Reply from Turnbull Law Group

Hello Samantha,
We are sorry to hear that your experience has not met your expectations.
To be clear, fees cannot be changed from enrollment. No additional fees can be collected than what is outlined in the Agreement signed during the enrollment process, and the set fee can only be collected per account.
An account specialist will be happy to review your account for further questions.

Dec. 2nd, 2024

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Uilou Lomu

Thank you for helping me with my depth I recommend this to anyone one out their that need help for their depth to me they're the best and affordable!

4 weeks ago

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Reply from Turnbull Law Group

Thank you for sharing your experience and your kind words.

Nov. 27th, 2024

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Cynthia Corcodilos

I am almost out of debt thanks to Turnbull! Very professional, helpful and transparent company. My gratitude for coming alongside me in my personal situation!

1 month ago

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Reply from Turnbull Law Group

We are grateful to hear that you feel well supported about your Turnbull Law Group program, Cynthia. How exciting to be almost debt free!

Nov. 19th, 2024

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Maria Howe

Very Thankful to this company I started my program October 2023 and I graduated just last week October 16 , 2024, I am debt free now! Thank you Turnbull! Wow!Its amazing!

1 month ago

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Reply from Turnbull Law Group

We are happy to share in your joy of becoming DEBT FREE!! What a wonderful feeling! Thank you for choosing Turnbull Law Group.

Oct. 30th, 2024

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Robert hossler

Excellent service. Very responsive you can always speak to someone who is knowledgeable and can help you with any questions you have highly recommended!

1 month ago

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Reply from Turnbull Law Group

Thank you for sharing your feedback about our Client Services team, Robert. We are thankful for your recommendation.

Oct. 29th, 2024

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randy westberry

I like Turnbull Law Group they are persistent reliable, and they get the job done. As of now my credit score is going back up. In more sooner than later, all my creditors will be paid and that is a relief

2 months ago

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Reply from Turnbull Law Group

Hello Randy,
Thank you for sharing your experience with Turnbull Law Group. We are glad to hear that your program is able to provide you some stress relief.

Oct. 25th, 2024

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Hugo Estrada

Turnbull really talked me through the process of the program and made it super easy to relieve my debt crisis! I didn’t know this existed, but thankfully for Turnbull as of this review posting, I’m super grateful!

2 months ago

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Reply from Turnbull Law Group

One of our goals is to help bring relief to the financial stress our clients feel. Thank you, Hugo, for sharing that we have met that goal in your program.

Oct. 18th, 2024

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Alive Ferguson

Turnbull had told me it would be a few months before I got a settlement on one of my debts but it seems it went quicker than that and I truly appreciate the work put into helping me out.

2 months ago

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Reply from Turnbull Law Group

Timing of settlements is dependent on the size of the account and the funds available in the dedicated account. We are excited to hear that we exceeded your expectations.

Oct. 10th, 2024

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Patricia Bolyard

I liked how very kind and understanding they are I’ve never have had this happen to me and all that law words were confusing but they took the time to explain and told me what to do and what to expect. I thought it would take months to settle but they settled it in a timely manner. Thankyou for your help and understanding

3 months ago

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Reply from Turnbull Law Group

We are happy to hear that you feel well informed about your Turnbull Law Group program, Patricia. Thank you for sharing your feedback, and welcome to Turnbull Law Group.

Sep. 10th, 2024

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Manny6179

what I like is less of a monthly payment but I would like if they would talk to all of them at the same time

1 week ago

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Reply from Turnbull Law Group

Hello Manny,
We are sorry to hear that creditor calls are still causing you concerns. We base the contact with each account strategically, based on our years of experience. Please call or email our team for tips on how to handle these calls. Thank you for choosing Turnbull Law Group as your partner on your journey to becoming debt free.

Dec. 13th, 2024

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Edwin

It's concept is compelling. It takes considerable courage to follow this plan.

1 week ago

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Reply from Turnbull Law Group

We are grateful to hear that you have chosen Turnbull Law Group's debt relief plan as your path toward financial freedom, Edwin.

Dec. 9th, 2024

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Murray Riley Jr

This company is preserving my financial stability and independence! I highly recommend this company and their services!

4 weeks ago

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Reply from Turnbull Law Group

Hello Murray and thank you for your recommendation. We are happy to be part of your strategy to become debt free.

Nov. 27th, 2024

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Heather

It has been so great working them! They are very knowledgeable and easy to work with and are always available when I had questions.

1 month ago

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Reply from Turnbull Law Group

Thank you for sharing your experience, Heather. We are so glad to hear you have felt supported in your program.

Nov. 20th, 2024

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Susan Gabriel

I like Turnbull because they let me lower my monthly payment when I don't have all the funds due for a particular month.

1 month ago

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Reply from Turnbull Law Group

Thank you for sharing your experience, Susan. We are thankful for the opportunity to help you.

Nov. 7th, 2024

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Emily

They are all about what I want to do with my money and helping me save money by negotiating with the creditors so I won’t have to pay the high interest rates.

2 months ago

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Reply from Turnbull Law Group

We are glad to hear that our program has helped to relief some of the financial stress you were feeling, Emily. Please continue to track your progress on your client dashboard.

Oct. 18th, 2024

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Shannon Plumley

If you have alot of debt it will take awhile. But it probably didn't occurred overnight. Eventually it be worth it. It will be alot longer trying to do it on you own.

2 months ago

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Reply from Turnbull Law Group

Thank you for sharing your experience, Shannon. We are happy to be your partner on your journey to becoming debt free.

Oct. 7th, 2024

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Jasper Johnson

This Law Group is excellent will downsize your debt and get things done all you have to do is keep your payments up on time and be consistent wonderful group you will appreciate them when it's all done

3 months ago

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Reply from Turnbull Law Group

Thank you for your glowing review, Jasper. We are grateful to be your partner on your journey to reach your financial goals. Thank you for choosing Turnbull Law Group.

Sep. 9th, 2024

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Danielle Dufault

The most professional group I have ever existed.

4 days ago

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Reply from Turnbull Law Group

Hello Danielle,
We are happy to hear that our team has made you feel well supported on your financial journey.

Dec. 18th, 2024

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Thalia Cooper

I wouldn’t change a thing about this law firm

5 days ago

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Reply from Turnbull Law Group

We are so glad to know that our program has lived up to your expectations, Thalia. We aim to continue to support you on your journey to becoming debt free.

Dec. 17th, 2024

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cheryl averette

They're very thorough and they for your best interest.

1 week ago

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Reply from Turnbull Law Group

Thank you for your kind words, Cheryl. We are happy to help you on your path to financial freedom.

Dec. 17th, 2024

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wanda J miles

Turnbull helped me out a lot on my debt reduction. I highly recommend them to anyone looking to reduce debt. they are a great company to work with. They let you know exactly what is going on. very glad to do business with Turnbull.

4 months ago

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Reply from Turnbull Law Group

Thank you for your recommendation, Wanda. One of our goals is transparency about your progress on your financial journey. We are happy to hear that you feel well informed.

Aug. 20th, 2024

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Julien SIREYJOL

So far the process goes very well. Turnbull Law Group could negotiate very well 2 out of 3 credit cards balance after less than 9 month. They found a very good settlement (above my expectation). We still need more time before negotiating the third one but I am confident.

4 months ago

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Reply from Turnbull Law Group

Hello Julien,

We are happy to hear that our program has exceeded your expectations. We are happy to be your partner on your journey to becoming debt free.

Aug. 13th, 2024

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Beverly Bashore

Turnbull was a blessing for me. I was in somewhat over my ears and they pilled me out. They took care of my bills and also gave me a payment I could afford. I would gladly tell anyone how grateful I am for them. Thank you Turnbull for your help.

4 months ago

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Reply from Turnbull Law Group

We are so happy to hear that our program has relieved stress for you, Beverly. We appreciate your recommendation.

Jul. 23rd, 2024

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MS. GEE

I'm not gonna lie I was very skeptical at first but I stepped out on faith and glad I did! So far they have done everything they said they would! They have lowered 4 out of 7 of my debts since I started the program in August of 2023! So excited to get my debt reduced without the headache! Thank you Turnbull 😊

5 months ago

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Reply from Turnbull Law Group

Hello Ms. Gee ~ We are so happy to hear that our program has helped to remove your financial stress. It looks like your program is progressing smoothly. If there are any concerns along the way, please do not hesitate to email or phone.

Jul. 11th, 2024

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Jennifer Gomez

Very helpful and is helping me with my hardship with my credit debt

1 week ago

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Reply from Turnbull Law Group

Thank you, Jennifer, for choosing Turnbull Law Group as your partner on your journey to becoming debt free.

Dec. 9th, 2024

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Pamela Eddins Los Angeles, CA

Turnbull Law Group was highly recommended and they were perfect for me. I've been with them about 2 years now and I'm on my last debt consolidation. They resolved the 5 debt consolidations for me. They answer your question promptly and they're very concerned about the customer. I would highly recommend them to anyone that have a debt problem.

3 years ago

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Reply from Turnbull Law Group

Thank you for recommending our program, Pamela! We are thrilled to accompany your journey to financial freedom. Please let us know how we can continue supporting your every step! Thank you for choosing Turnbull Law Group to be your guide.

Oct. 20th, 2021

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Carol Sharp Vacaville, CA

I really appreciated the kindness and competency of your customer support employees. I especially want to give a special shout out for Danielle, the manager of my local branch. She was patient and transparent in the processes and answered all of my questions..

3 years ago

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Reply from Turnbull Law Group

Carol, we appreciate you taking the time to leave us a review! Our team takes pride in making sure our clients are supported throughout the process and we'll always be right by your side. Please call us at 800-674-1504 if you need any assistance. Thank you for choosing Turnbull Law Group!

Oct. 13th, 2021

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Brian Schinke

Return Vonna group has been very good to me. They’re doing a great job I would go with them.

2 weeks ago

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Reply from Turnbull Law Group

Hello Brian,
Thank you for choosing Turnbull Law Group as your partner on your financial journey.

Dec. 3rd, 2024