TurboDebt Reviews

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Edited by: Jon Bortin

About TurboDebt

TurboDebt is a Florida-based debt settlement company that was founded in 2019 and is available to consumers in most U.S. states. It offers debt negotiation and settlement services for debts such as credit cards and medical debt, and says it can help you become debt-free in 24 to 48 months. TurboDebt says it is the fastest-growing debt relief company in the U.S.

Pros
  • Spanish support available
  • Low debt minimum
  • Can help with business debt
Cons
  • Not available in Oregon, Vermont, West Virginia
  • No legal support

What is TurboDebt?

TurboDebt is a debt relief company that negotiates with your creditors on your behalf, with the aim of settling your debt for less than what you owe. It is available in most states (except Oregon, Vermont and West Virginia), as well as Puerto Rico, the U.S. Virgin Islands and Guam.

Initial consultations are free, and the company says customers saved an average of 54% before fees in 2022.

How does TurboDebt work?

To work with TurboDebt, you’ll first set up a free consultation, which you can do via phone or an online form. The form will ask how much you owe (anywhere from $1,000 to $100,000), how frequently you miss payments and your contact information.

From there, one of TurboDebt’s representatives will contact you to discuss options, and if you decide to move ahead, you’ll enroll in its program.

TurboDebt will then begin negotiating with your creditors to reduce your total amount owed. You’ll make monthly payments to an account with TurboDebt — once an agreement with your creditors has been reached, those funds will be used to pay the settled amount.

TurboDebt says you can be debt-free in 24 to 48 months with its program.

Note that debt settlement programs typically require you to stop paying your creditors in order to give the company leverage for negotiations. During this time, you’ll incur interest charges and late fees, and there is no guarantee a creditor will agree to settle. Be sure to consider the pros and cons before working with any debt settlement company.

TurboDebt services

TurboDebt says it can help people who are struggling with the following types of debts:

  • Credit card debt
  • Divorce debt
  • Business debt
  • Medical debt
  • Homeowner debt
  • Retirement debt

Debt settlement programs are typically for unsecured debt, so while TurboDebt lists homeowner debt as one of its customers’ concerns, mortgages and home equity loans are most likely ineligible for negotiation. However, TurboDebt may be able to help with unsecured debt from other expenses related to homeownership.

TurboDebt says the average amount of enrolled debt with its program is $23,000. Its website features several examples of past and present customers, showing their total debt amount, monthly payments and overall savings.

TurboDebt fees

TurboDebt does not clearly publish its fees but says customers who stick with the program have savings on their debt of approximately 46% before fees and 25% after fees.

The company says it will ensure its solutions can fit your budget. It also says you can customize your deposit schedule. The initial consultation is free of charge.

TurboDebt FAQ

Does TurboDebt have a money-back guarantee?

TurboDebt does not offer any guarantee that your debts will be lowered by a specific amount or within a specific timeframe. There is also no guarantee that your creditors will agree to settle. However, you will only pay a fee for TurboDebt’s services if the company is successful in its negotiations.

Is TurboDebt a debt consolidation company?

No, TurboDebt is not a debt consolidation loan provider, although it does have information on its website about how debt consolidation loans work and how to find a lender.

What is the minimum debt needed to work with TurboDebt?

TurboDebt’s online intake form has a starting debt amount of $1,000.

Will working with TurboDebt hurt my credit score?

Yes. You should expect your credit score to take a hit with any debt settlement company, since you must stop paying your creditors as part of the negotiation process. However, if your settlement is successful and you show responsible financial habits, your credit score will eventually go back up over time.

Is TurboDebt legit?

Yes, TurboDebt is a legitimate debt settlement company that is available in most states. The company says it has settled $15 billion in debt to date and that over 500,000 customers have enrolled in its program.

While TurboDebt is not accredited by the Better Business Bureau, it does have an A- rating, as well as a customer review score of 4.96 as of publishing.

TurboDebt Reviews

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    Page 1 Reviews 0 - 5
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    Customer ServiceStaffProcessTransparency

    Reviewed April 8, 2025

    I saw TurboDebt on Instagram. The entire enrollment process was straightforward. Although I don't recall the representative's name, she was incredibly friendly and thoroughly explained everything, including the costs and the lawyer-related details, which made the process feel quite manageable. Communication with TurboDebt has been very open; they've provided me with multiple phone numbers and an email address, ensuring I could always reach out if needed. I joined their program in January and have found them extremely accommodating to my unique situation. The payment plans are notably reasonable, giving me confidence that I can manage it even if situations change. Though my journey with them is ongoing, I'm optimistic about resolving my debts within the three-year timeframe they suggested.

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      StaffProcessTransparency

      Reviewed April 8, 2025

      I found TurboDebt's idea of offering a way out of debt very appealing and interacting with their team was pleasant; they were kind and made sure I had a clear understanding throughout the enrollment process. I felt fully supported as they genuinely seemed to want to help. They provided adequate assistance, answering all my questions promptly. The team clearly explained the program, detailing how deposits work and how they negotiate with creditors. Whenever I had concerns, TurboDebt addressed them in a way that ensured I was completely informed. Their support has been instrumental in helping me address my debt. I'd recommend the program to anyone struggling financially. It is a positive step towards being debt-free and able to pursue life's aspirations without financial burdens.

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      Customer ServiceStaffProcessTransparency

      Reviewed April 8, 2025

      I explored around three different companies before deciding on TurboDebt. The other companies required a higher debt ratio that I didn’t meet, whereas TurboDebt offered options for a lower debt ratio, which suited my needs better.

      The clarity and helpfulness of the communication I received from the TurboDebt team were excellent. They were very upfront and detailed about the entire process, ensuring that every question I had was thoroughly answered. They went above and beyond to make sure I understood, providing more information than necessary to help ease my uncertainties.

      I would definitely rate my experience a 5 because the customer service has been exemplary. They have displayed a genuine interest in helping people rather than just treating them as another client. The level of support I’ve received has been top-notch, significantly better than other programs I researched. TurboDebt has been instrumental in addressing my financial concerns by clearly explaining how the process works and helping me focus on paying off my debt as quickly as possible.

      Overall, my experience with TurboDebt has been very positive, with a substantial emphasis on personalized care and effective communication.

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      Customer ServiceStaff

      Reviewed Oct. 5, 2024

      I called TurboDebt and inquired about it, and the reps told me what they do. I said I wanted to do that because I had a lot of medical bills and I had a lot of issues with that. I was slowly drowning because I had so much stuff I was paying for. The enrollment process wasn’t bad at all. All I had to do was give them my social security number and they pulled up all the stuff on my credit. I stayed on hold for a minute and they let me know which companies they could help me with. It didn't take long at all. It was quick and easy.

      I would email the guy I was working with if I had any concerns and he called me back by the next day. If I had a question, he would text me and say he would contact me when he’s finished with his customer. I never waited more than about 24 hours for somebody to contact me back. The reps from TurboDebt were calling me in the beginning and they said they didn’t have the power of attorney and it’s not until I’ve reached $2,000 before they start contacting my creditors. I had one creditor who kept calling me. But once I gave TurboDebt the power of attorney, I didn’t hear from the creditor anymore.

      The only thing I didn’t like is TurboDebt waited so long. They could have contacted my creditors right away so they wouldn't bother me. They said I had to get a certain amount on the account first. I've only made a couple of payments so, they're not working with the creditors yet. I have maybe one more payment before they start contacting the creditors. But nobody's bothering me. TurboDebt is a good company to work with. They might mess your credit up a little bit. But I knew it was gonna happen anyway. I did the same thing probably 10 years ago. I almost had a 700 before this. So, I know it'll go back up again. It's worth it if everything works like a plan. Right now, I gotta see how negotiations work once they start them and how everything goes with that.

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      Customer ServiceStaffTransparency

      Reviewed Aug. 31, 2024

      The paperwork portion was a little confusing for me mostly 'cause I got an email and had to read everything out. But as far as the signup goes with TurboDebt, it was fairly easy and straightforward. I worked with two individuals and the second person helped me a lot better than the first one since he answered every question I had. When I was reading the contract that I had to sign, I got to a part where it seemed like I was going to pay them first in order to pay off the debt that I have.

      When I asked about it, the rep answered me and said that it was the payments that I'm making towards them that they end up saving up so that they can make a deal with the other ones and attempt to pay less than what my actual loan was for. I'm thankful for that. It was lot easier when the rep explained it to me. I have the direct number of the individual who helped me with the contract. He gave me that along with his inspection so that if I had any questions, I could call him any time during the work hours that they have. He is part of my profile.

      I've already told a couple of my friends about TurboDebt. I tell them if they ever get large amounts of debt, they can call TurboDebt and they will walk them through what's the most important debt to pay off first. That was what happened with me. They consolidated the debt and took what debt they can pay. They added the total number and told me if I pay this much, I can save this much and have all my debt covered instead of having to pay 30% to 40% more if I were by myself.

      It's easier to make payments to TurboDebt to consolidate all my debt together. Having to call multiple different companies and having to see what their offer is is time consuming and a little annoying. Sometimes certain companies only have robots and that's hard to deal with 'cause you're trying to talk to someone to ask questions. It's helpful that there's a team behind me handling my debt for me. I have trouble with the emails though. I don't check my email very often and whenever I have a payment coming up, the reminder is always sent to my email and not to my phone. I asked but there's no way to get a text reminder.

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      Customer ServiceStaff

      Reviewed April 8, 2025

      After much contemplation, I decided to enroll with TurboDebt for my financial situation. My experience with their enrollment process was notably smooth and efficient, thanks to a particularly helpful representative. Despite being in the early stages of the plan, my interactions have been positive. The representative assigned to me has been responsive; he's returned my calls promptly twice when I've reached out.

      One significant factor is that I'm currently going through a divorce, which means that a lot is up in the air for me. However, my TurboDebt representative has been supportive throughout, aiding me as I try to manage this transition. Once my circumstances settle, I am optimistic about moving forward more decisively with their program.

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      Customer ServiceStaff

      Reviewed April 8, 2025

      I was online looking at debt consolidation and loans to pay off some debt. I found TurboDebt, and they were the ones that sold me with National Debt Relief, which is a pretty reputable company that I've heard of.

      The whole process was done over the phone, and I found it somewhat challenging. Looking to consolidate my debt, I reached out and ended up in the program for a few months now. They arranged everything regarding a payment plan after doing a soft credit check, presenting options that didn't force me to commit to all of them—an aspect I appreciated.

      Despite the setup being quick, it would have been better if the representative had provided more in-depth information. The lack of follow-up from the person who enrolled me was noticeable.

      I'd probably recommend others go directly to NDR to avoid relaying the same information twice to a middleman like TurboDebt. The monthly payment feels like a worthwhile investment given the debts involved, though service could've been more informative.

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      Customer ServiceStaff

      Reviewed March 25, 2025

      Everybody at TurboDebt was nice. The reps were fast talking, which I understand, because they do it every day, all day. I got a settlement offer from someone and they called and discussed it with me, which was good. I send them different things that they wanted. They're hopefully helping. The amount every other week is a little high for me, but I have to make it work. They take 200-some dollars out of my check every other week and sometimes I don't have it. I had to call and have one missed, which they were fine about.

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      Customer ServiceStaffProcessTransparency

      Reviewed Nov. 21, 2024

      It's fairly easy with TurboDebt. I get emails letting me know they have made a settlement for me, and to confirm the settlement. I talked to a young man named Jonathan and he was really nice. I was hesitant about it because I didn't know if it was a scam. But he told me everything and asked me for my information. He put it all in and explained to me how the process would work. We didn't finish the process about setting up my portal but he left me a number for me to call him back.

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      Reviewed Nov. 20, 2024

      The support was pretty decent. We had a little conflict at the beginning. But it kind of resolved itself.

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      TurboDebt Company Information

      Company Name:
      TurboDebt
      Website:
      www.turbodebt.com