ZERO-DOWN DEBT DEFENSE ATTORNEYS
ZERO-DOWN DEBT DEFENSE ATTORNEYS
Facing a credit card lawsuit? Not sure where to turn? Our team of 20+ debt collection defense attorneys give you the legal power to fight back! The time to respond to a debt lawsuit is limited, so call us today for a free consultation!
- We negotiate with credit card companies so you don’t have to
- No upfront cost or fees
- We can put a plan in place to resolve ALL of your debt
- Pay off your debt for less than what you owe
THOUSANDS OF HAPPY CLIENTS
Guardian has made my life easier. Everything costs so much more these days and debt creeps up on you. Making montlhy payments to different companies was impossible. Guardian negotiated a settlement for me and now I make one monthly payment. I saved so much money.
Date of experience: August 29, 2024
This has been a great experience so far, and was super skeptical for a LONG time prior to starting this journey. Guardian has been exepectional every step of the way and not a single person has made me feel uneasy about this process. I highly recommend Guardian to any in a big debt situation.
Date of experience: October 09, 2024
I wish it could be faster and more accounts taken care of but I'm grateful one little one is gone!
Date of experience: October 23, 2024
The help is amazing! Guardian Litigation Group staff have been so helpful and supportive. I was initially very anxious about the plan and program, but I'm pleased about how far it has progressed in managing my debt in such a short time, and it's all due to Guardian! They have made the process effortless for me. I highly recommend it!!
Date of experience: March 22, 2024
I don't think that I would have come this far with the company I had before GUARDIAN Litigation. I knew it wasn't going to be easy, but I stuck with them and now I'm almost finish. My credit score has imporved and I'm on my way. Thank you
Date of experience: October 21, 2024
I was skeptical at first, but this company does work well with you and works to get your debts settled. I have a lot of student loans that defaulted because of ignorance on my part, but GLG has stepped in and is willing to help. We reached my first settlement! I will comeback and update my rating as the program continues.
Date of experience: October 21, 2024
They have been a godsend to me and my debt situation! They are presistent, knowledgeable, and thorough! They keep me informed about any new settlements and always converse with me before making any settlement offers.
Date of experience: January 01, 2024
The team at Guardian are great communicatiors and are great quick to answer questions and emails. I've been on the program sicne July 2024 and just got my second (of 7 debts) settled. I am grateful for their help, encouragement, and consistency.
Date of experience: November 12, 2024
Guardian is taking care of my problems with my credit card companies so that soon I can be debt free thank you.
Date of experience: November 20, 2024
I am in awe and almost in shock at how amazing Guardian has been in restructuring decreasing and settling my debs in record breaking time. Thank you!
Date of experience: November 21, 2024
I am so grateful for this company, I can finally breathe again. They have so seamlessly handled each and every debt. The contact is great and I was informed at each and every turn of a solved debt.
Date of experience: November 24, 2024
HOW GUARDIAN'S DEBT DEFENSE PROGRAM WORKS
Free Debt Analysis & Consultation
Speak with our experienced debt resolution team to see if you qualify
Response to the Debt Lawsuit
Your Debt Defense attorney will draft and file an Answer on your behalf with the court
We Appear in Court for You
Guardian handles all legal proceedings and will represent you in court to contest the lawsuit
Settling Your Debt with Your Creditors
Priority negotiators work with your creditors to reach a favorable settlement
WHAT HAPPENS WHEN CREDIT CARD COMPANY SUES YOU
Over 70% of debt lawsuits end in default judgments — not because the debt is valid, but because people fail to respond.
Read The Summons Carefully – And Don't Ignore It
The clock starts ticking the moment you’re served. The summons for debt collection tells you how long you have to respond — typically between 20 to 30 days depending on your state.
Read the debt lawsuit documents carefully and look for:
- The name of the debt collector or debt buyer suing you
- The total amount they claim you owe
- The court where the case was filed
- The deadline to file your response (also called an “Answer”)
Schedule Your Free Debt Defense Consultation
Only 10% of consumers sued for a debt have legal representation despite data showing you are significantly more likely to reach settlements with an debt defense attorney.
People are losing debt lawsuits they might have been able to fight or dismiss — simply because they didn’t know what to do or waited too long to act.
Don't Become Another Statistic
One call can take your stress away
We are a Law Firm Providing Debt DEFENSE Services
We provide legal services for those facing a debt lawsuit. With every case, we are committed to resolving your debts as part of Guardian’s Debt Defense Program.
Debt consolidation involves taking out a new loan to pay off your existing debts. It restructures your debt but doesn’t reduce the total amount you owe. We focus on negotiating a reduction in your debt, not refinancing it.
Credit repair companies attempt to improve your credit score by disputing negative items on your report. This doesn’t resolve the underlying debt. We focus on settling your debt, which may impact your credit in the short term but leads to long-term financial stability.
Government debt relief programs operate under specific regulations and eligibility criteria. We are a private law firm offering tailored legal services to negotiate and settle your debts. Accordion Content
Debt validation involves requesting verification from creditors that a debt is valid. While useful, it doesn’t reduce or resolve the debt. Our service focuses on negotiating with creditors to lower the amount you owe.
Debt management programs create repayment plans that typically reduce interest rates but not the principal amount. We aim to reduce the principal balance you owe, providing a quicker path to financial freedom.
Our goal is to help you get out of debt
Our goal is to help you get out of debt
Ready to get started today?
Ready to get relief today?
- We negotiate with creditors so you don’t have to
- No upfront cost or fees - if we don’t perform, we don’t get paid
- We can put a plan in place to resolve all of your debt
- Pay off your debt for less than what you owe
- We will not only file an answer, we will appear in court on your behalf
- Reduction in creditor calls and debt collection efforts
- More than a "Self-Help" form online, WE ARE A LAW FIRM
No obligation required
frequently asked questions
Disclaimer: This information is for educational purposes only and should not be taken as legal advice. Every case is different. If you’re facing a debt lawsuit, please reach out to us to discuss your specific situation.
capital one is suing me, what can I do?
Being sued by Capital One can feel overwhelming, but you do have options. First and foremost, don’t ignore the lawsuit, as that usually leads to a default judgment—allowing Capital One to garnish your wages or seize your bank accounts. Instead, reach out to a skilled debt defense attorney immediately. At Guardian Litigation Group, our zero-down debt defense attorneys regularly handle lawsuits from major creditors like Capital One, American Express, Synchrony Bank, and many more. We can help you respond effectively, negotiate settlement terms, or fight the lawsuit entirely, significantly improving your chances of a favorable outcome.
What do I do with a court summons for credit card debt?
The most effective step is to engage experienced debt defense attorneys immediately.
At Guardian Litigation Group, we fully manage your response to the summons, preparing and filing all necessary documents on your behalf. Our attorneys also appear in court for you, so you typically won’t even need to set foot in a courtroom. We regularly negotiate settlements, defend against creditor claims, and seek outcomes designed to protect your financial interests while reducing your stress and anxiety.
If you’ve received a summons, reach out today—our zero-down debt defense attorneys are ready to take this burden off your shoulders and fight for you.
What’s the difference between a Credit lawyer and a general attorney?
A general attorney might dabble in many areas. A credit lawyer focuses specifically on legal actions involving unpaid debts. They understand state-specific procedures, how to challenge flawed lawsuits, and how to deal with firms that file lawsuits in bulk hoping you won’t fight back.
Why is my credit card company suing me?
Your credit card company is suing you because they believe your debt is past due and view litigation as their best option for collecting payment. This usually happens after other collection efforts like calls or letters have failed. A credit lawsuit is serious, but it’s not the end of the road. At Guardian Litigation Group, we help clients facing credit card lawsuits regularly. Our attorneys can assist by defending your rights, negotiating with your creditor, and seeking outcomes that either reduce or entirely resolve your debt, often without stepping foot in court.
What services does a debt defense attorney provide?
As experienced law firm with over 20 debt defense attorneys, we provide:
- Lawsuit Defense – We fight credit card lawsuits and demand proper documentation from creditors.
- Debt Settlement Negotiation – We negotiate directly with creditors to reduce what you owe.
- Protection Against Creditor Harassment – We enforce your rights under the Fair Debt Collection Practices Act (FDCPA).
- Legal Representation in Court – We defend you in court proceedings to prevent judgments, garnishments, or bank levies.
Are there debt Defense attorneys near me?
Yes. Guardian Litigation Group represents clients in over 42 states. We connect you with experienced attorneys who know your state’s laws and how to use them in your favor.
capital one is suing me, what can I do?
Being sued by Capital One can feel overwhelming, but you do have options. First and foremost, don’t ignore the lawsuit, as that usually leads to a default judgment—allowing Capital One to garnish your wages or seize your bank accounts. Instead, reach out to a skilled debt defense attorney immediately. At Guardian Litigation Group, our zero-down debt defense attorneys regularly handle lawsuits from major creditors like Capital One, American Express, Synchrony Bank, and many more. We can help you respond effectively, negotiate settlement terms, or fight the lawsuit entirely, significantly improving your chances of a favorable outcome.
What do I do with a court summons for credit card debt?
The most effective step is to engage experienced debt defense attorneys immediately.
At Guardian Litigation Group, we fully manage your response to the summons, preparing and filing all necessary documents on your behalf. Our attorneys also appear in court for you, so you typically won’t even need to set foot in a courtroom. We regularly negotiate settlements, defend against creditor claims, and seek outcomes designed to protect your financial interests while reducing your stress and anxiety.
If you’ve received a summons, reach out today—our zero-down debt defense attorneys are ready to take this burden off your shoulders and fight for you.
Our attorneys work to settle debts before a lawsuit is ever filed, while also reviewing your situation for any legal red flags. If you’re being threatened, pressured, or simply unsure about what’s next, we can step in early to reduce the risk—and the stress.
What’s the difference between a Credit lawyer and a general attorney?
A general attorney might dabble in many areas. A credit lawyer focuses specifically on legal actions involving unpaid debts. They understand state-specific procedures, how to challenge flawed lawsuits, and how to deal with firms that file lawsuits in bulk hoping you won’t fight back.
Why is my credit card company suing me?
Your credit card company is suing you because they believe your debt is past due and view litigation as their best option for collecting payment. This usually happens after other collection efforts like calls or letters have failed. A credit lawsuit is serious, but it’s not the end of the road. At Guardian Litigation Group, we help clients facing credit card lawsuits regularly. Our attorneys can assist by defending your rights, negotiating with your creditor, and seeking outcomes that either reduce or entirely resolve your debt, often without stepping foot in court.
At Guardian Litigation Group, our attorneys step in to communicate directly with opposing counsel, review the validity of the claims, and work to resolve the matter before it escalates into a lawsuit. The sooner you get legal support, the more options you have—and the more leverage we can use to protect you.
What services does a debt defense attorney provide?
As experienced law firm with over 20 debt defense attorneys, we provide:
- Lawsuit Defense – We fight credit card lawsuits and demand proper documentation from creditors.
- Debt Settlement Negotiation – We negotiate directly with creditors to reduce what you owe.
- Protection Against Creditor Harassment – We enforce your rights under the Fair Debt Collection Practices Act (FDCPA).
- Legal Representation in Court – We defend you in court proceedings to prevent judgments, garnishments, or bank levies.
Are there debt defense attorneys near me?
Yes. Guardian Litigation Group represents clients in over 42 states. We connect you with experienced attorneys who know your state’s laws and how to use them in your favor.
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