EXCELLENT Based on 3800 reviews Mike Baca2025-04-08Trustindex verifies that the original source of the review is Google. They are legit!! They are very professional and compassionate about helping me get out of debt. With-in a few months of me contacting them, they got me my first settlement on one credit card which was lower than what I had originally owed on it. Now I'm one step closer to getting out of debt. Gaurdian is a God send. Kevin Kimball2025-04-08Trustindex verifies that the original source of the review is Google. The experience with this company has been outstanding!! Kathleen May-Griffis2025-04-07Trustindex verifies that the original source of the review is Google. Professional and helpful. carl porter2025-04-07Trustindex verifies that the original source of the review is Google. You guys are amazingVerified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
Speak with our experienced debt resolution team to see if you qualify
Your Debt Defense attorney will draft and file an Answer on your behalf with the court
Guardian handles all legal proceedings and will represent you in court to contest the lawsuit
Priority negotiators work with your creditors to reach a favorable settlement
Over 70% of debt lawsuits end in default judgments — not because the debt is valid, but because people fail to respond.
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:
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.
One call can take your stress away
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
No obligation required
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.
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.
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.
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.
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.
As experienced law firm with over 20 debt defense attorneys, we provide:
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.
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.
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.
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.
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.
As experienced law firm with over 20 debt defense attorneys, we provide:
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.
@ 2025 GUARDIAN LITIGATION GROUP. ALL RIGHTS RESERVED