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Turnbull Law Group

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8.4

Overall Score

Author: Kaitlyn Short

LAST UPDATED: April 2nd, 2025

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.

Star Rating

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4.6

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420 Reviews

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83%

4 grade

7%

3 grade

2%

2 grade

2%

1 grade

6%

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Suzanne Cone

Only heard from a lawyer 1 time called numerous times no lawyer got in touch with me up my monthly payment and now they want more money

4 days ago

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Reply from Turnbull Law Group

Hello Suzanne,
We are sorry to hear that your experience has not met your expectations. An account specialist will be reviewing your file and reaching out soon.

Apr. 2nd, 2025

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mmsmiles@hotmail.com

Currently in a lawsuit no response from the attorney I have emailed. I have no idea what is going on. At this point it feels like they just let everything build up so you can be stuck in the program forever. Now I am waiting to see if this attorney is ever going to help or is just going to let me go to court. This company takes out tons of fees and after a year I have only had one debt paid off.

2 months ago

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Reply from Turnbull Law Group

We are sorry to hear that your experience has not met your expectations. An account specialist will be escalating your file and reaching out to you soon.

Jan. 29th, 2025

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Betsy

I have been trying to get access to dashboard for two months. I have called so many times it has become very annoying. When I try to call because the message I receive says l can use my account number, I was told that they don’t give out the account number. I’m. STILL trying to access my account!!!

4 months ago

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Reply from Turnbull Law Group

Hello Betsy ~
We are sorry to hear that your dashboard has been a source of frustration and for so long. I would love to assist you myself! Please call client support and ask to speak with an account specialist. Or you can call the bank that holds your dedicated account and request a ledger, to track your transactions.

Nov. 22nd, 2024

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Bunnie Jones

I am still in the beginning of this process. And have used another company in the past. Disappointed that we would let work through lower balances first before moving on to high one or potentially of negotiating lower payments that could be used for all cc companies.

7 months ago

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Reply from Turnbull Law Group

Hello Bunnie ~ We are sorry to hear that your program is not progressing according to your expectations. An account specialist will review your file and be reaching out shortly.

Aug. 22nd, 2024

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D.Savannah Savannah Savannah, GA

Ask tons of questions-and beware..... Customer Service is just ok - and can be snarky and hang up on you if you ask too many questions!!! Fees are: 1) Settlement Fee=27% of each Settlement-$ to Firm first. 2) plus $9.95 a month to manage the online account, 3) plus $10 for EACH check they send your creditor--there is an agreement with a third party for the fee, and even though there are other options that would cost you $0 to send payment to credit--per the agreement you sign with the third party - they are NOT available to you! I tried working with both Turnbull and the 3rd part but got the run around, hung up on, called back only to be told 'we do the best option that saves you money'...its a crock. 4) If you remove Debts from the program because you settle on your own - your monthly payment remains the same.

1 year ago

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Jenn Hudson, OH

I would have to say customer service was excellent but not the way they handle the debt is not. Why they make 7,000.00 off of the debt is because they take your largest debt first to pay off which takes longer. The small debts just keep sitting there in limbo and ruining your credit. We went from a 672 to a 448 in the midst of 5 months. Yes, I increased what I was giving them and took debt away to pay and keep current. Covid hurt us and some it the credit cards didn’t care and some would work with you. I just canceled and am waiting for my refund. Do not do this, just file bankruptcy or find another company that structures differently to get it paid off.

3 years ago

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Reply from Turnbull Law Group

We regret to hear you are disappointed with the costs of using our service, Ms. Jenn. Please know that our Settlement Consultants always consider our clients' best interests when resolving the enrolled balances. We are sorry to hear you've decided another route may be a better option for you. However, we wish you all the best in your financial endeavors. Thank you for allowing Turnbull Law Grop an opportunity to serve your financial needs.

Apr. 13th, 2021

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Diane Champagne

This month my payments have suddenly doubled for no apparent reason.

2 months ago

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Reply from Turnbull Law Group

Hello Diane,
That situation sounds very stressful. An account specialist will be reviewing your file and reaching out to you soon.

Jan. 25th, 2025

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Mary White

Too much of each monthly payment is going to administrative fee rather than accelerating my debt pay-off.

4 months ago

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Reply from Turnbull Law Group

Hello Mary,
We are sorry to hear that your program is not progressing according to your expectations. An account specialist will review your file and reach out to you soon.

Nov. 19th, 2024

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Dannielle H Washington, DC

I cant access the actions on the website that i need to and when I call I just get transferred back and forth. Emailed my rep that set me up a week ago and no response.

2 years ago

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Reply from Turnbull Law Group

We are sorry to hear that this is happening to you, Dannielle. We would like an opportunity to speak with you about the mentioned concerns. One of our experienced representatives will be reaching out shortly. Thank you for the review and your comments are greatly appreciated. Thank you for letting Turnbull Law Group be your partner on your journey to a debt-free future.

Jul. 21st, 2022