Disclosure: Not affiliated with or endorsed by Turnbull Law Group; trademarks belong to their owners. This is our own research and opinion, not a statement of fact. CuraDebt may be compensated by companies referred to.

Reviewed by the CuraDebt Team

Independent review · Not affiliated with New Capital Financial

Last updated: June 24, 2026

Turnbull Law Group Reviews: Is It Legit? (2026)

Is Turnbull Law Group legit? Yes, it is a real debt settlement law firm in Illinois. But there are things to know before you sign. Its fees run around 28% of enrolled debt, on the high end. When you call, the phone is often answered by Freedom Debt Relief staff, not an attorney, and some clients report speaking to their lawyer only once. The BBB has flagged that Turnbull declined to share fee disclosures, and a state attorney general is reviewing its fees.

Comparing Debt Settlement Companies? See your options and the real fees in one place before you enroll anywhere. Free, no obligation, no pressure. or call 1-877-850-3328

On this page Is Turnbull Law Group legit? What is Turnbull Law Group? How the program works Fees, the part to read closely Do you actually get an attorney? Ratings, complaints, and the BBB alert Pros and cons What to ask before you sign Frequently asked questions

Is Turnbull Law Group Legit?

Yes, Turnbull Law Group is a real, registered law firm based in Illinois that provides debt settlement and related legal services. It is not a scam in the sense of taking your money and vanishing. It has real attorneys, real offices, and thousands of reviews.

But legitimate is the floor, not the ceiling. A company can be a real, licensed firm and still cost more than it should, or deliver less than the marketing implies. With Turnbull, the things worth knowing are the fee level, who actually handles your case day to day, and a few open questions that regulators are now looking into. That is what this review walks through.

What Is Turnbull Law Group?

Turnbull Law Group is a law firm that offers debt negotiation, also called debt settlement, mainly for unsecured debts like credit cards, medical bills, and personal loans. The usual minimum to enroll is around $12,000 in debt. Because it is a law firm, it also offers things a plain settlement company cannot, like bankruptcy filing, defense if a creditor sues you, and help with abusive collection practices.

That legal angle is the main selling point, the idea that having a law firm behind your debt negotiation gives you more protection. For some people that is real value. The question is whether the day-to-day experience actually delivers it, and at what cost.

Turnbull Law Group	At a glance
Type	Debt settlement law firm (Illinois)
Services	Debt negotiation, bankruptcy, creditor defense
Minimum debt	About $12,000
Fees	Around 28% of enrolled debt, charged after settlement
Program length	About 24 to 48 months
Who answers calls	Often Freedom Debt Relief staff, not an attorney
Watch for	BBB flag on fee disclosure; state AG review of fees

How the Program Works

The mechanics are the same as most debt settlement programs:

You start with a consultation to review your debts and finances.
Instead of paying your creditors, you make monthly deposits into a dedicated account you control.
As that account builds, Turnbull negotiates with your creditors to settle for less than the full balance.
Settlements happen one at a time, and the full program usually runs 24 to 48 months.

The trade-offs are the same as any settlement program too. You stop paying creditors, so your credit takes a hit and accounts can go to collections while you wait. That is true of settlement generally, not unique to Turnbull, but you should go in expecting it.

Want to Compare Fees Before You Commit? A few percentage points on a big balance is real money. See your options clearly first. Free and no obligation. or call 1-877-850-3328

Fees, the Part to Read Closely

This is where you need to slow down. Turnbull's fee runs around 28% of your enrolled debt, which is on the higher end for the industry. On the timing, the firm says it follows the rules: it does not collect a fee until a settlement is negotiated, you approve it, and the first payment goes to the creditor. That part is consistent with federal law.

The problem people run into is the size of the fee relative to what they save. In one documented case, a consumer paid about $7,700 into the program, and roughly $6,600 of that went to Turnbull's fees rather than to creditors. When the fee eats most of your early payments, it can feel like you are paying the firm more than you are paying down your debt. A state attorney general has an open review of Turnbull's fee practices as of early 2026. That is a review, not a finding, but it is worth knowing.

Do You Actually Get an Attorney?

This is the detail that surprises people most. Turnbull markets itself as a law firm, and the lawyer involvement is the reason many clients choose it over a regular settlement company. But in practice, when you call Turnbull, the phone is frequently answered by employees of Freedom Debt Relief, a large debt settlement company that Turnbull describes as a third-party provider handling administrative functions.

Several clients have reported speaking with their assigned attorney only once, during the initial intake call. So if the main reason you are considering Turnbull is hands-on attorney representation throughout, ask exactly how much attorney contact you will actually get, because the answer may be less than the branding suggests.

Ratings, Complaints, and the BBB Alert

The star ratings look decent on the surface, BBB customer reviews around 4.6, Google near 4.2, Trustpilot around 4.4. Plenty of clients report real settlements and helpful staff, and those experiences are genuine.

But two things stand out on the critical side. First, the BBB notes that when it asked Turnbull for fee disclosures and written agreements, the firm declined to provide them, and as a result the BBB says it cannot offer confidence in the company's business practices. That is a meaningful transparency flag. Second, there is a recurring complaint pattern about billing, including clients whose accounts were still debited after they canceled or completed the program, leading to overdrafts. None of this means the firm is illegitimate, but it tells you to get everything in writing and watch your account closely.

Pros and Cons

Pros

Real, licensed law firm
Can offer legal services a plain settlement company cannot
Many positive reviews and real settlements
Fees charged after settlements, not upfront

Cons

Fees around 28%, on the high end
Calls often handled by Freedom Debt Relief, not an attorney
Some clients report minimal attorney contact
BBB flag over undisclosed fee terms
Billing complaints after cancellation or graduation
State attorney general reviewing its fees

What to Ask Before You Sign

If you are considering Turnbull, get clear answers to these first:

What is the exact fee, as a percentage and in dollars? Get it in writing, and ask what you pay even if a settlement falls through.
Who will actually handle my case? How much attorney contact do I get, versus administrative staff?
What happens to my credit, and for how long? Understand the dip and the collections risk during the program.
What are my cancellation rights? Given the billing complaints, know exactly how to stop payments and confirm in writing when you do.
How does this compare to other options? A consolidation loan, a different settlement program, or credit counseling may fit better.

The smartest move with any debt settlement firm is to compare options and fees before you sign, because a few percentage points on a large balance adds up fast. You can learn how a debt settlement program works, compare your debt relief options, or read about debt negotiation first.

Compare Before You Commit See your real debt relief options and fees in one place, with no pressure and no obligation. or call 1-877-850-3328

Frequently Asked Questions

Is Turnbull Law Group legit?

Yes. Turnbull Law Group is a real, licensed debt settlement law firm based in Illinois, with real attorneys and thousands of reviews. It is not a scam. The cautions are about cost and transparency: fees around 28% of enrolled debt, calls often handled by Freedom Debt Relief rather than an attorney, a BBB flag over undisclosed fee terms, and an open state attorney general review of its fees.

How much does Turnbull Law Group charge?

Turnbull's fee is around 28% of your enrolled debt, which is on the higher end for debt settlement. The fee is charged after a settlement is reached and the first payment is sent, not upfront, which follows federal rules on timing. But the amount is significant, in one documented case roughly $6,600 of a consumer's $7,700 in payments went to fees, so understand the full cost before enrolling.

Do you actually work with a lawyer at Turnbull Law Group?

Less than the branding suggests, for many clients. Although Turnbull is a law firm, calls are frequently answered by Freedom Debt Relief staff handling administrative functions, and several clients report speaking with their assigned attorney only once, at intake. If hands-on attorney representation is your main reason for choosing Turnbull, ask specifically how much attorney involvement you will get.

Is Turnbull Law Group being investigated?

As of early 2026, a state attorney general has an open review of Turnbull Law Group's fee practices. This is a review, not a final finding of wrongdoing, and Turnbull can respond to it. Separately, the BBB has noted that Turnbull declined to provide fee disclosures and written agreements when asked. Both are worth knowing before you sign.

Will Turnbull Law Group hurt my credit?

Likely yes, during the program. Like most debt settlement, Turnbull's program involves stopping payments to creditors while you save for settlements, which lowers your credit score and can send accounts to collections in the meantime. Settled accounts also show as settled rather than paid in full. This is a feature of debt settlement generally, so weigh it against your alternatives.

What are the alternatives to Turnbull Law Group?

Several. Other debt settlement companies may charge lower fees, so comparing is worth it. Depending on your situation, a debt consolidation loan, nonprofit credit counseling, or simply negotiating with creditors yourself may fit better, and for some, bankruptcy is the more realistic path. Comparing approaches and fees before committing is the smart move.

Disclosure: CuraDebt is not affiliated with, endorsed by, or sponsored by Turnbull Law Group or Freedom Debt Relief, and all trademarks belong to their respective owners. This page reflects our own research and opinions for informational purposes and is not a statement of fact about Turnbull Law Group's business. Regulatory reviews described here are ongoing and are not findings of wrongdoing. CuraDebt operates a matching service and is paid when we connect consumers with independent partner firms, so we have a financial interest in you requesting a free consultation. Always do your own research before choosing any provider.