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If you’ve been scrolling through TikTok lately, there is a high chance you have seen an ad from TurboDebt. The ad tends to feature an excited man walking outside and explaining how TurboDebt can save you from financial ruin. He promises that your credit score won’t be ruined and that you won’t have to pay back what you borrow. It all sounds way too good to be true — and, unfortunately, it may be.

If you haven’t seen it, here’s the example below.

No credit hit and you don’t have to pay it back?

So what exactly is TurboDebt? Why are they able to make these claims? That is exactly what we are going to look at. Keep reading to discover the truth behind TurboDebt’s outrageous promises and learn what they really do instead. 

What is TurboDebt?

On the surface, TurboDebt appears to market itself as a debt relief company that specializes in debt settlement. Debt settlement is the process in which a third party negotiates with your creditor on your behalf.

The goal is to find a lower payment that will fully satisfy the debt that you owe. Unfortunately, it does not appear that this is the actual function of TurboDebt. But before we look at how TurboDebt functions, let’s consider the history of the company. 

TurboDebt History

When considering working with a company that specializes in debt relief, one of the biggest things you want to look at is its history. Typically, trustworthy companies have a long standing history with reviews to back up its lofty claims. While this isn’t always the case — businesses have to start somewhere, right? — it does tend to hold true in many instances. 

When looking at TurboDebt’s history, there isn’t much to see. In an earlier article, we did a deep dive into TurboDebt’s history, and learned that the company only has a digital presence that dates back to March 24, 2020. This means that TurboDebt is just over two years old at the time this was written. 

The brevity of the company’s history is especially shocking when compared to the amount of reviews it has.

In fact, TurboDebt has amassed almost as many Google reviews in 2 years as National Debt Relief acquired over a span of 13 years. With over 2,000 reviews, TurboDebt has earned a 4.9 out of 5 star rating on Google.

Also, at the time of this writing, I could not find any TurboDebt BBB accreditation.

However, are those reviews well-earned? Let’s take a look at what TurboDebt actually does. 

How Much Does TurboDebt Cost?

Turbo Debt refers you to other debt relief companies that may cost between 20-25% of enrolled debt, which can be quite expensive. Check out how much that will cost using our free debt relief cost calculator below that will estimate your MONTHLY payment that you can compare to what you’re paying now.

If you ALREADY got a quote from Turbo Debt, compare that quote to other companies that provide the same service. You may be surprised by how much you will save by just working with a different company.

How Does TurboDebt Function?

If you have seen any of TurboDebt’s ads on TikTok, Instagram, or Snapchat, you may have gotten the impression that TurboDebt is the company you’d be working with directly.

That said, it appears that TurboDebt connects potential clients with other debt relief companies, such as Clear One Advantage or National Debt Relief. You can look at these companies to potentially understand your experience. For example, you may be surprised that a common Google search term is National Debt Relief screwed me.

For example, check out this recent Trust Pilot review.

Turbo Debt helps people sign up for National Debt Releif.

There are many reviews on Google from confused clients who thought they were going to work with TurboDebt. However, they quickly got handed off to another company. According to TurboDebt’s own website, their goal is to “connect clients to debt relief programs that fit their unique needs.” This means that TurboDebt’s function is essentially to market to the population, find relevant leads, and match them to one of the companies they are partnered with. 


Most likely, this means that TurboDebt makes money off of sponsorships from its partnered companies. Unfortunately, when company recommendations are tied to profit, two things are likely:

  1. TurboDebt’s recommendations may be based off of who is paying the best, not which company matches your situation the best.
  2. There is a chance that what you pay to the company you are matched to will be inflated to make up for the cost in connecting with you. 

So Do You Actually Work With TurboDebt?

There may be a period of time where you actually work with TurboDebt, but that will only be spent figuring out which company to work with. Once the connection has been made, it is likely you will not be in contact with TurboDebt again. Even if you do get back in touch with TurboDebt, they will not have any information on how your case is being handled. 
In short, no, you will not be working extensively with TurboDebt.

Are TurboDebt’s Claims Accurate?

Unfortunately, their claims that your credit score will not be impacted and you won’t have to pay them anything may not tell you the full story.

Technically speaking, since they are just the middle-man that connects you to a debt settlement company, they can make their big claims. This is because their free consultation only matches you to a company and does not actually interfere with your financial accounts. 

So while, yes, technically your credit score won’t be hurt and you won’t have to pay them back, the claim still instills a sense that these are true for debt settlement as a whole. At the end of the day, TurboDebt connects individuals to debt settlement programs. Debt settlement DOES in fact lower your credit score significantly and is not without cost. In most cases, you will still owe a percentage of your debt as well as a fee to the company who negotiates the debt on your behalf. 

Alternatives to TurboDebt

If TurboDebt isn’t what you thought it was, and you are still looking for debt relief options, you still have some choices! Depending on where you are at in your debt relief journey, there are many things you can do. Here are just a few examples:

Debt Management

If the lack of credit score impact and no extra payments intrigued you, then consider looking into debt management. There is still a chance that your credit score will be slightly impacted, but not nearly as bad as some of the other debt relief options. Basically, debt management allows you to look at your debt payments as a whole and break them down into more manageable and organized payments. Sometimes this includes asking your creditors for smaller payments, or a break in payments, but you will still be paying off the entirety of the debt. 

Debt Settlement

Ultimately, TurboDebt is connecting you to a debt settlement firm. However, your rate may be inflated because of the cost of customer acquisition is high. Instead, do research on the best debt settlement companies and contact them yourself! While your credit score may still be impacted, you could potentially save a little bit on the cost. 


If paying off your debt isn’t an option, then bankruptcy might be your best bet. While you will definitely see a drop in your credit score, there is a chance that bankruptcy is the lowest cost option you have. 


Overall, TurboDebt is a marketing company that refers individuals to debt settlement companies. They make drastic claims that may be helpful to confirm.

Make sure you understand what Turbo Debt is before you begin working with them. If you would like to talk to someone about what option is best for you, give Ascend a call! We love giving accurate and unbiased information that can help you make a decision based on your unique situation!

Post Author: LincolnE

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