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 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
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 collection 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 attorney.
People are losing credit card 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 collection 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.
Yes, and it happens more often than most people think. If you’ve fallen behind on payments, a collection agency can take you to court to recover the debt. But here’s what many don’t realize: a large number of these lawsuits are filed with incomplete or inaccurate information. That’s where legal help can make all the difference.
It means a lawsuit has officially been filed, and now you’re on a deadline. In most states, you have between 20 and 30 days to respond. If you don’t, the court can issue a default judgment against you. Acting quickly is critical.
If you want a fair shot at protecting yourself, yes. The legal process is complicated, and collectors often count on people being too overwhelmed to fight back.
Only 10% of consumers sued for a debt have legal representation—despite data showing you’re far more likely to reach a favorable settlement when you have an attorney on your side.
First, don’t ignore it—that’s the biggest mistake people make. Once you’re served, the court sets a strict deadline (usually 20 to 30 days) to file a formal response called an Answer. This isn’t a casual reply; it’s a legal document that tells the court where you stand and whether you dispute the debt.
Here’s what to do:
Read the complaint carefully. Check for errors or unfamiliar account details.
Gather your records. Any communication, payments, or statements can be useful.
File your Answer. It must be typed, follow court formatting rules, and be submitted on time.
Send a copy to the opposing party. The court won’t do this for you.
This process is technical by design. It’s meant to trip people up—which is why getting legal help early can change the outcome entirely. Even if you think you owe the debt, there may be legal defenses or opportunities to settle for less.
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.
Yes, and it happens more often than most people think. If you’ve fallen behind on payments, a collection agency can take you to court to recover the debt. But here’s what many don’t realize: a large number of these lawsuits are filed with incomplete or inaccurate information. That’s where legal help can make all the difference.
It means a lawsuit has officially been filed, and now you’re on a deadline. In most states, you have between 20 and 30 days to respond. If you don’t, the court can issue a default judgment against you. Acting quickly is critical.
If you want a fair shot at protecting yourself, yes. The legal process is complicated, and collectors often count on people being too overwhelmed to fight back.
Only 10% of consumers sued for a debt have legal representation, despite data showing you’re far more likely to reach a favorable settlement when you have an attorney on your side.
First, don’t ignore it—that’s the biggest mistake people make. Once you’re served, the court sets a strict deadline (usually 20 to 30 days) to file a formal response called an Answer. This isn’t a casual reply; it’s a legal document that tells the court where you stand and whether you dispute the debt.
Here’s what to do:
Read the complaint carefully. Check for errors or unfamiliar account details.
Gather your records. Any communication, payments, or statements can be useful.
File your Answer. It must be typed, follow court formatting rules, and be submitted on time.
Send a copy to the opposing party. The court won’t do this for you.
This process is technical by design. It’s meant to trip people up—which is why getting legal help early can change the outcome entirely. Even if you think you owe the debt, there may be legal defenses or opportunities to settle for less.
As experienced law firm with over 20 debt defense attorneys, we provide:
A debt defense attorney—like the team at Guardian Litigation Group—focuses on credit card lawsuit defense, debt negotiation, and consumer protection laws. We help individuals fight back against their creditors and settle their debts for less than they owe.
@ 2025 GUARDIAN LITIGATION GROUP. ALL RIGHTS RESERVED