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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

Review Breakdown

5 grade

83%

4 grade

7%

3 grade

2%

2 grade

2%

1 grade

6%

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Annette Martin

Still in the beginning of this so it's hard to give a high score. Give it a few more months and I can redo this

1 month ago

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Reply from Turnbull Law Group

Hello Annette,
Welcome to Turnbull Law Group. We look forward to serving you as you work to become debt free.

Feb. 27th, 2025

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Wendy Watts

The last month I had and urgent matter and it took over amonth for someone to reavh out to me and had me stressed out. Getting in touch with an attorney should have a better process.

5 months ago

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Reply from Turnbull Law Group

Hello Wendy, we are sorry to hear that your experience did not process as smoothly as we would prefer. If there is anything that we can do to help you at this point, please do not hesitate to reach out and ask to speak to an account specialist.

Oct. 25th, 2024

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jrharman

Had an account go into garnishment, after putting in paper work after paper work after paper work for over six months. My accounts have also been passed along to three different attorneys, so i have to keep repeating conversations, and most of the time Im not told my account has been moved to another attorney until I have to contact customer support, then it still takes days before Im told who the new person is. I had to pay out the garnishment as well as pay the fee every two weeks. Its been a mess and I still have over two years left in this program.

9 months ago

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Reply from Turnbull Law Group

The situation you have described sounds very stressful, and we certainly do not intend for that to be any result of the Turnbull Law Group program. An account specialist will be reviewing your program and reaching out soon.

Jun. 19th, 2024

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Richard Lazarski

Dows not answer e-mails with answers although I prefer this method. Explanantion of terms such as "Settlement Fees" clearly. All I wanted to know if this amount is billed to me as an extra charge I pay at the end?

7 months ago

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Reply from Turnbull Law Group

Hello Richard ~ A full understanding of your program is definitely one of our goals. An account specialist will be reaching out by email to address your questions.

Aug. 9th, 2024

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Emily Pambianchi

The only two things holding my review back from being a five are: 1. The calls and calls and calls from each account TLG took over. The calls are because they're trying to collect your payment, despite you telling them repeatedly that you are working with a debt relief program. 2. TLG customer service line does not seem to pick up.

2 years ago

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Reply from Turnbull Law Group

We are sorry to hear that you can't get anyone on the phone, Emily. You may be calling when there are long wait times. Now, while you don’t have to answer creditor calls, it’s better if you don’t avoid them completely, because they could interpret this as you refusing to pay them. The fact is, you intend to pay them, you just can’t do it now. We recommend you pick up the phone every once in a while, or even just give them a call about every 90 days. Thank you for choosing Turnbull Law Group.

Dec. 12th, 2022

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Karen L Toledo, OH

So far i like how they keep me informed on how my progress is going. They had told me they would take payment every two weeks,on my second month and they took the whole amount each time .

2 years ago

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Reply from Turnbull Law Group

That's great to hear, Karen! Rest assured that we will continue to work hard on your behalf to settle your accounts and obtain the best savings possible, across all of your accounts!

Mar. 6th, 2023

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Cindy Herpstreith Taylorville, IL

They settled one of my debts very fast, but I have emailed them numerous times with no response

2 years ago

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Reply from Turnbull Law Group

We are sorry to hear that, Cindy. Have you attempted to give us a call? Our email queue may be full at the moment. Please let us know how we can continue supporting your journey to financial freedom. Thank you for choosing Turnbull Law Group to reach your financial goals.

Aug. 2nd, 2022