TurboDebt Reviews

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About TurboDebt

TurboDebt is a debt relief provider founded in 2020 and headquartered in Florida. The company specializes in negotiation and settlement services for many different types of debt. Reps focus on finding affordable debt relief solutions for their clients.

Pros
  • Spanish support available
  • Easy to get started
  • No upfront costs
  • Emphasis on affordability
Cons
  • Relatively new company
  • Temporary hit to credit score
  • No legal support

Featured Reviews

Charlotte, NC
Verified purchase
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 ...

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Killeen, TX
Verified purchase
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 u...

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About TurboDebt

TurboDebt specializes in helping clients resolve credit card debt, personal and student loans, business debt, medical debt and other types of unsecured debt. The company focuses primarily on debt relief through repayment plans, meaning it negotiates with creditors to reduce the total amount owed. The company operates in 47 states and territories (not available in Connecticut, Minnesota, Oregon, Vermont, West Virginia or Wisconsin).

How does TurboDebt work?

The enrollment process is relatively simple. It begins with a free consultation, where clients provide details about their financial situation. Based on this information, TurboDebt creates a personalized repayment plan. Instead of paying creditors directly, clients make monthly deposits into a dedicated savings account while TurboDebt negotiates with creditors to settle debts for a reduced amount.

If your financial situation changes after enrolling, reps can work with you to make sure you can stay on track. The average length of a TurboDebt plan is 24 to 48 months, but it can be completed in 12 months in some cases.

Note that there can be a negative hit on your credit when you enroll in the program — this is true for many debt relief programs. How much of an impact will depend on the specifics of your situation and the debt you’re settling. In general, the impact won’t be as severe as something like bankruptcy.

» MORE: Debt settlement pros and cons

TurboDebt services

TurboDebt offers debt relief services for a variety of unsecured debt types, including credit card debt, medical debt, personal loans, student loans and business debt. The company also connects clients to partners that provide other debt-related services, such as credit counseling, debt management plans, and personal loans.

TurboDebt says the average amount of enrolled debt with its program is around $19,000 as of 2025. Its website features several examples of past and present customers, showing their total debt amount, monthly payments and overall savings.

TurboDebt fees

TurboDebt charges a 25% fee on the debt you enroll in the program. The company claims this covers the cost of administering your account and negotiating with creditors on your behalf. There are no upfront fees. TurboDebt customers pay the 25% fee once their enrolled debt has been paid.

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.

» COMPARE: Debt settlement vs. debt consolidation

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?

In the short term, enrolling in TurboDebt can cause your credit score to drop. However, it can be rebuilt over time as you work through the debt. In general, debt settlement and other debt relief solutions are less severe than bankruptcy.

Is TurboDebt legit?

TurboDebt is a legitimate debt relief provider. TurboDebt claims to work with over 10,000 creditors to offer its debt relief solutions, and its debt arbitrators are certified through the International Association of Professional Debt Arbitrators (IAPDA). It’s a solid debt relief company that could work well for anyone looking for debt settlement services.

TurboDebt Reviews

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    StaffBillingLoan ProcessHonesty & Transparency

    Reviewed Jan. 5, 2026

    I am NOT currently working with them. I did apply for a $500 loan on Experian, however and I was connected to them and as usual, Turbodebt is a debt settlement company. Having researched debt settlement sufficiently, I told them at the outset that debt settlement was NOT the route I wanted to take so please don't take me down that road and yet they persisted in telling me they were just trying to help me. For a fee of 25%...that isn't helping me. That is doing business for a profit with me.

    Bringing in financial guru Marc Cuban's comments about cutting off credit cards to become financially solvent to inveigle me into going their route isn't helping particularly when I politely stated at the outset not to go that route. I was grilled as to how I got into debt, informed my debt would increase exponentially over 15 years (I am now 76) and that I wasn't being honest with myself. Being honest with myself, I can negotiate with my creditors MYSELF. What I hate is the pressure these guys put on you to do what they are trained to do: sign you up!

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    Reviewed July 2, 2025

    Turbo Debt has been the best decision I ever made. In only a year two settlements have been completed and saved me well over 50% of my money. I am very thankful for Nancy ** as she is always there and standing with me throughout the entire process. I am most thankful for Turbo Debt and Nancy **. Cheryl **

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      Customer ServicePunctuality & SpeedStaffResolution

      Reviewed April 23, 2025

      My friend sat me down to help me learn how to do my taxes on my own, and she ended up telling me about TurboDebt. The representative I worked with was knowledgeable and helped to get everything situated and tell me what I was lacking. I was really pleased with them. I ran into a problem, and they notified me and told me what they needed and how to go about getting it solved - they were really supportive.

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      Sales & MarketingRefunds & PayoutsMaintenanceStaffBilling

      Reviewed April 23, 2025

      The person from TurboDebt I spoke to was very informative and she also explained stuff to me. I really wanted to find a solution for my situation and she was able to guide me in the right way. They told me that they would be able to help me clear out the debt in at least two years, and the amount that I would have to be paying was around $155 every other week. I'm still struggling, but I think with just that alone, it has helped me quite a lot.

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      Customer ServiceRatesHonesty & Transparency

      Reviewed April 22, 2025

      I see the reviews and I thought I will try to enquire what is their program for debt relief. It was a BIG BIG mistake because thereafter I have nonstop gotten calls. On all these calls, no one can be honest and upfront on what their program is. All they keep on asking is my SENSITIVE personal information, my cards, my data without even a valid response to my question. I decided to let them know I am not interested and yet I kept getting calls. This feels harassment now. Today, while I was busy reviewing for my NP boards, I got a call from a Karen that I have made an appoitnment with her. I called back and again it is Turbo. I asked to be removed from their call list, and she kept going on, of course I kept going on too and she turn off the phone on me. It is time to warn others of this Turbo Debt Relief.

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      Customer ServicePriceStaffBilling

      Reviewed April 8, 2025

      I heard about TurboDebt through Instagram and ended up starting the program in January, and it's been okay. They were really helpful with me and my circumstances. The enrollment process was really easy, the lady who helped me was very nice and she let me know exactly what was going on, what everything would cost, and things about the lawyer and stuff like that.

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      Punctuality & SpeedStaff

      Reviewed April 8, 2025

      I wanted to be able to get out of debt and was just searching stuff online and TurboDebt came up. They were very understanding and explained everything. If I had any questions, they answered them. It seemed like they genuinely wanted to help. They explained what the deposits would look like, how basically it was like a bank account, and then they work with your creditors. That's how they work it out, is by collecting your money and then consulting with them and getting the debts lowered.

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      Customer ServicePunctuality & SpeedStaff

      Reviewed April 8, 2025

      I just recently enrolled, but I am currently going through a divorce and there's just a lot of moving parts, but once I can finalize that then I can move forward more with TurboDebt. The enrollment process was good, and I can't remember the name of the representative, but he was very helpful. If I text him, he's very responsive and he'll call me back. It was like twice that I reached out to him and he gave me a call back.

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      Customer ServicePunctuality & SpeedStaffRates

      Reviewed April 8, 2025

      My main financial concern has just been paying off my debt as quickly as possible. There were about three other companies I researched for debt relief programs, but they needed a higher debt ratio that I didn't have. Turbo had a lower debt ratio, so that's why I went with them. They have been extremely helpful. Any question I had, they answered. If I seemed unsure about something, they made sure to give me more information than was probably necessary but to help me understand. My representative has been top-notch and honestly, better than the other programs I talked to. The other people were just kind of doing the job. Whereas, the person I spoke with was more "Let me help you." I feel like Turbo is more geared towards helping people and not driven by how many clients they can get.

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      Customer ServicePunctuality & SpeedStaffBillingLoan Process

      Reviewed April 8, 2025

      I was online looking at debt consolidation and loans to pay off some debt, and TurboDebt was the one that sold me with National Debt Relief, which is a pretty reputable company that I've heard of. I gave them all the information, they did a soft credit pull, and they found a few different things that they could enroll me into. It was pretty quick enrollment, but the guy that did it probably could have provided me a little bit more information. I’ve been in the program for a few months, and for the amount of debt that I have, the 100 something a month that I'm putting into it is worth the investment knowing that it'll be settled eventually.

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      TurboDebt Company Information

      Company Name:
      TurboDebt
      Website:
      www.turbodebt.com