Sarah Edwards | February 01, 2023
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.
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.
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.
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.
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.
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:
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:
SoloSuit makes it easy to fight 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.
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