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

Helpful Reviews

Tallahassee, FL
Verified purchase
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 sh...

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Santa Barbara, CA
Verified purchase
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.

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What is 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 typical 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.

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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

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.

Still have questions?

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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      Verified purchase
      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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      Verified purchase
      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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      Verified purchase
      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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      Verified purchase
      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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      Verified purchase
      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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      Verified purchase
      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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      Verified purchase
      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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      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      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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      Verified purchase
      Customer ServiceSales & Marketing

      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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      Verified purchase
      Staff

      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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      Verified purchase
      Customer Service

      Reviewed Nov. 3, 2024

      I had a couple different calls, and the one with Turbo Debt sounded like it functioned well for me. The enrollment process was pretty straightforward.

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      Verified purchase
      Staff

      Reviewed Nov. 3, 2024

      The rep I dealt with was wonderful in answering all my questions and attending to my needs. They put me with an attorney who's helping me get my debt cleared up. They’re the GOAT.

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      Verified purchase
      Staff

      Reviewed Nov. 3, 2024

      I reached out to debt consolidation and it put me through to TurboDebt. Their service has been good and foremost, they're saving me a lot of money helping me get out of debt.

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      Verified purchase
      Customer ServiceStaff

      Reviewed Nov. 3, 2024

      I liked the thorough informational session I had with TurboDebt. So far, I haven't heard from them but I'm getting a lot of letters from the people that they've contacted, so they're doing their work.

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      Verified purchase
      Customer ServiceStaff

      Reviewed Nov. 2, 2024

      TurboDebt was very professional during the enrollment to the program and they did their due diligence. They explained everything and I have no problems with the process that they asked me to go through. Whenever I call, I've gotten the person that I dealt with the first day and every time I've needed him, I've had him. 9 out of 10 times, I'm gonna get the person I'm asking for. I recommend TurboDebt. You can resolve your debt without having to take bankruptcy.

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      Verified purchase
      Customer ServicePunctuality & SpeedBillingLoan Process

      Reviewed Oct. 11, 2024

      I had a lot of credit cards and I was able to pay off five of them on my own. But as soon as COVID showed up, I couldn't pay off the other four. I'm going to retire in a few years and the plan is not to have any debt when I retire. I went to my bank looking for a consolidation loan but they didn't give me one and they suggested I look into TurboDebt. I contacted them and they were supportive.

      But right now, I'm a little nervous because I can see my credit score dropping like crazy and I'm just waiting for something to happen. I'm putting the money into the fund but nothing's happening now. So, the bank that originally told me to check them out is mad at me now. And I've got four credit cards to pay off. They are calling me at crazy hours and it's really nuts. I live and work in Germany and they are calling me in US times. They won't stop, so it's driving me nuts. And I keep giving them the number for TurboDebt, but they're continuing to call me. Other than that, everything has been great. We're just waiting until there's enough money in the fund to get an offer and I'm sure when the first one happens, then the ball will start rolling.

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      Verified purchase
      Customer ServiceSales & MarketingPricePunctuality & SpeedRefunds & PayoutsMaintenanceStaffBillingTimeliness

      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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      Verified purchase
      Customer Service

      Reviewed Sept. 25, 2024

      The communication is super great but one thing that I'm not liking is they haven't worked deals with all the companies. As I'm doing this, my credit score is dropping like crazy because the creditors are re reporting to the Credit Bureau. Also, I have one creditor that somehow keeps getting my debit card number. Even when I cancel the card and get a new one, I've got one creditor that keeps pulling money out of my account. I called TurboDebt and they were supposed to send the notarized document that I signed with them to the creditor, but I talked to the creditor three days ago and they still hadn't received it.

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      Customer ServiceStaff

      Reviewed Sept. 22, 2024

      Kenneth has been a lovely person to chat with. He said if I needed any help, I could call him anytime if I had any questions. I would highly recommend him. TurboDebt has looked into everything that I have in debt, and we will be working on how to pay it down. That will help me with a lot of debt.

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      Verified purchase
      Customer ServiceCoverageTechStaffBillingLoan Process

      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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      Verified purchase
      Customer Service

      Reviewed Aug. 21, 2024

      I spoke with Josh on the phone and he was super nice. He explained everything and answered all of my questions.

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      TurboDebt Company Information

      Company Name:
      TurboDebt
      Website:
      www.turbodebt.com