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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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Melissa Richardson

I do like that they work with you, but it’s starting to become more and more like dealing with a creditor. Some agents are understanding and nice about it, but some really drive home that they need more money and sometimes I get a vocabulary lesson, which becomes frustrating. One of my recent calls, I called to see if an agent that called me worked there and was trying to speak with them. I was on the phone for over 30 minutes and my question wasn’t answered until the end of the call, and I still didn’t get to speak with them. I ended up calling them directly again and got them. They also started talking really fast and wouldn’t let me get a word in that I had already done what they were calling me asking me to do. They said they’d have someone call about my experience and my deposit….and I have yet to hear from anyone. Just this survey.

5 days ago

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Reply from Turnbull Law Group

Hello Melissa,
Thank you for sharing your feedback about your recent experience. We are sorry to hear that you did not feel supported during this interaction. We are always looking for ways to Get Better in our process.

Apr. 2nd, 2025

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Gibsonjrd

So far not seeing too much progress. Only my credit rating dropping like flies. I’m hoping that with the next deposit something may change. Really wondering if this was the right move. I’ve been more stressed than usual.

1 week ago

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Reply from Turnbull Law Group

Welcome to Turnbull Law Group! As we partner with you on your journey to becoming debt free, we definitely want you to feel well informed. We would welcome you to call our team and ask all the questions you need to, in order to relieve the stress these debts appear to still be bringing to you.

Mar. 25th, 2025

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Nox Mauzy

They have been consistent on all the things I was told prior to signing on. It sucks to have to take a credit score loss, but it would have happened eventually and my credit is on it's way back up after 4 months. My debt is being negotiated down by at least 50% and it makes me feel a lot better knowing I'm 1 step closer to clearing my debt and saving on all of the bills and interest rates.

1 month ago

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Reply from Turnbull Law Group

Thank you for sharing about your success in the Turnbull Law Group program. We are happy to be your partner as you work to improve your financial situation!

Feb. 14th, 2025

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Jami Dunn

When my creditor was sueing me Turnbull got started right away filing a response to the court and creditor

1 week ago

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Reply from Turnbull Law Group

Hello Jami,
We are sorry to hear that one of your creditors was impatient to reach an agreement, but thank you for sharing your feedback about our legal team's support in the court response.

Mar. 25th, 2025

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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.

4 months 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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Darwin Hollar

I am waiting on a call from an Attorney regarding one of my registered accounts.

3 weeks ago

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Reply from Turnbull Law Group

Hello Darwin,
We are sorry to hear that you are awaiting support from your attorney. An account specialist will check into this matter for you. Thank you for choosing Turnbull Law Group.

Mar. 10th, 2025

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Arthur Middleton

Great company to work with, timely negotiations and walk you though each step they take to keep you informed!

1 month ago

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Reply from Turnbull Law Group

Thank you for sharing your experience, Arthur. We are glad to know that you feel well informed about the progress of your program.

Feb. 14th, 2025

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Michael Williams

I like that you took care of me as a client. The only thing I don't like is i cannot see the progress with my one main account.

2 months ago

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Reply from Turnbull Law Group

Hello Michael,
One of our goals is to make sure our clients can track their progress. You can follow along on your client dashboard at any time or you can call or email for an update.
Progress and settlements are fueled by consistent deposits into your dedicated account, which also can be tracked on your dashboard. Please call our team for an update on a specific account.

Jan. 25th, 2025

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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.

4 months 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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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.

3 months 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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Teri Castleman

I was assigned to a different lawyer suddenly with little to no explanation why. I feel like the new lawyer is giving me more attention than I was getting. Overall, it has been a good experience.

8 months ago

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Reply from Turnbull Law Group

Hello Teri ~ We are happy to know that you have had a good experience so far. Since we are adding new attorneys often, and we are glad to hear that your new assigned attorney is a better fit for your situation.

Jul. 11th, 2024

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Louis Sibley

Has very good service and is very professional.

3 weeks ago

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Reply from Turnbull Law Group

Thank you for sharing, Louis. If there is anything we can do to improve your experience, please do not hesitate to reach out.

Mar. 10th, 2025

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Al Mossa Stamford, CT

Since signing on I have had very little interaction with them other to call to complain that creditors were non stop calling me. I was told that it is a process that takes time to negotiate settlements and since then, I have a better understanding of the process. They have, after 3 months, got me a settlement with one of my creditors saving me over 50% of what I owed the creditor. I could not ask for more or be more pleased thus far.

4 years ago

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Reply from Turnbull Law Group

Amazing feedback, Al. Congratulations on your first settlement! This is a huge milestone to have reached. You should be extremely proud of your efforts. Our goal is to make sure we support your every step toward a debt-free future. Keep up the excellent work, and thank you for choosing Turnbull Law Group.

Jan. 8th, 2021

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Freddie Edwards

So far so good. I am saving a lot of money SO FAR. To soon to know anything else.

2 months ago

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Reply from Turnbull Law Group

Welcome to Turnbull Law Group, Freddie. We are happy to be your partner on your journey to becoming debt free.

Jan. 16th, 2025

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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

3 months 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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Tris Devore

Just enough interaction that I don’t get too many emails

1 month ago

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Reply from Turnbull Law Group

We are happy to hear that you feel well informed of your progress in your Turnbull Law Group program.

Feb. 28th, 2025

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Mike De Freitas

I did like the amount of fees that were charges

1 month ago

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Reply from Turnbull Law Group

Hello Mike,
Thank you for giving us 4 Stars. If there is anything we can do to improve your experience, please do not hesitate to reach out.

Feb. 11th, 2025

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Mildred Klein Hempstead, NY

While I think this company is excellent in what they do, I have a lot of anxiety in the timelines. We have been bombarded with calls from credit card companies and collectors. A summons even has been served. We have only received one settlement. We expected better communication and resolution at a much quicker pace.

4 years ago

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Reply from Turnbull Law Group

We appreciate you voicing your concerns regarding your account, Ms. Klein. Please know we greatly appreciate the patience given by our clients. We never intended to disappoint you when it comes to serving your financial needs. An account specialist will be reaching out to you shortly concerning the matter. Thank you for allowing Turnbull Law Group the opportunity to serve your financial needs.

Feb. 22nd, 2021

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Ida Coleman

This was the second time I have had to call about it same problem

2 months ago

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Reply from Turnbull Law Group

Dear Ida,
We do apologize that this concern has continued to be an issue. We do make best effort to take care of each matter in full during any conversation.

Jan. 25th, 2025

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Ryan Goldberg

I would give them 5 stars if there wasn't a charge for literally everything! Other than that, they're ass kickers knocking my debt down.

7 months ago

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Reply from Turnbull Law Group

Hello Ryan and thank you for your candid review. We are happy to hear that you are making progress with your debts. Please call our team to discuss your concerns about the fees.

Aug. 20th, 2024

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Nadine Decatur, GA

So far every one has been super supportive, courteous and to the point. Can't wait for this to be over and they are making it seem like it's going to be a breeze! Thank you Turnbull!

2 years ago

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Reply from Turnbull Law Group

You are welcome, Nadine. 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.

Jul. 29th, 2022

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Marie Londonderry, NH

Started with them in April of 2021 and they have already Settled 5 out of my 6 accounts. Couldn’t be more pleased and should be debt free in 2 to 3 years. Can’t thank them enough.

3 years ago

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Reply from Turnbull Law Group

Congratulations on the progress you've made, Marie! You are aggressively making your way toward your financial freedom. Keep up the excellent work, and thank you for choosing Turnbull Law Group.

Dec. 14th, 2021

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Dejanette King Atlanta, GA

Payments are affordable especially now when people are struggling financially. Only annoyance is creditors still call in attempt to collect pymt even after being told about program...

4 years ago

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Reply from Turnbull Law Group

We appreciate you for taking the time to share this with us today, Dejanette. Affordability is key to being successful in our program. We're relieved to hear your monthly deposit amount is doable. We also understand the creditor calls can become a nuisance. We encourage you to log into your Client Dashboard for helpful tips on how to handle these calls. If you ever have any concerns regarding your account, Client Services is available Monday - Friday to support your financial needs. Thank you for choosing Turnbull Law Group. Here's to your financial success!

Feb. 10th, 2021

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Paul Anderson

I’m very satisfied with Turnbull Law Groups progress in resolving my issues.

5 months ago

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Reply from Turnbull Law Group

Thank you, Paul, for sharing your feedback about your Turnbull Law Group program. If there is any area where you feel we can improve your experience, please do not hesitate to reach out to our team.

Oct. 25th, 2024

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E Rubijean Jones Roanoke, VA

Turnbull is currently working on my bills and has paid off one account. I look forward to seeing more paid off after Turnbull negotiations.

2 years ago

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Reply from Turnbull Law Group

Thank you for the amazing review, E. 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.

Aug. 12th, 2022

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Jeff Witmer Gloucester, VA

Caring attitude of all personnel involved. the quick response to setting up my account. So far,good communication.

1 year ago

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Gary Phillips

I am trying so hard to get out of debt and Turnbull has been so easy to work with

1 year ago

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Mary Duda Bolingbrook, IL

I've just come into the program but my experience with customer service has been awesome.

1 year ago

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Karen Haffner Kansas City, MO

They have been very helpful so far and I appreciate working with them.

3 years ago

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Reply from Turnbull Law Group

We are so happy to hear that, Karen! We're honored to be your solution to financial relief. Please call us at 800-674-1504 if you have any questions. Thank you for choosing Turnbull Law Group!

Nov. 22nd, 2021

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Douglas Lawrenceville, GA

Very impressed with the Lawyer’s, they are willing to help you.

3 years ago

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Reply from Turnbull Law Group

We are happy to hear that, Douglas! We strive to provide our clients with the utmost level of customer service. Always feel free to reach out when assistance is needed. Thank you for choosing Turnbull Law Group.

Nov. 15th, 2021