ZERO-DOWN DEBT LAWSUIT ATTORNEYS
ZERO-DOWN DEBT LAWSUIT ATTORNEYS
Facing a debt lawsuit? Not sure where to turn? Our team of 20+ debt 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 creditors 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 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 TO DO IF YOU ARE SUED BY A CREDITOR
Read The Debt Summons Carefully – And Don't Ignore It
The clock starts ticking the moment you’re served. The summons from the credit card company 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:
- The name of the credit card company 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 Analysis & 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 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.
Don't Become Another Statistic
One call can take your stress away
We are a Law Firm Providing Debt Settling 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 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.
What happens if I ignore the Debt lawsuit?
Ignoring a debt lawsuit might seem like the easiest option, but it usually leads to a default judgment. This means the creditor wins automatically and can garnish your wages, freeze your bank accounts, or put liens on your property. If you feel overwhelmed or unsure about your next step, getting guidance from experienced attorneys like our team at Guardian Litigation Group can clarify your options and protect your rights.
Is it too late to settle the debt now that I’ve been sued?
It’s definitely not too late. Many people mistakenly believe a lawsuit closes the door on negotiating a settlement, but creditors often remain open—or even become more flexible—after litigation starts, preferring to avoid costly court proceedings. Our attorneys at Guardian Litigation Group routinely help clients negotiate beneficial settlements even after a lawsuit has begun.
Will companies sue me for unpaid debt?
Yes, creditors and debt collectors can sue you if you fail to make payments. Large banks and credit card companies typically wait several months before taking legal action. However, once a debt is sold to a collection agency, lawsuits become more common—especially for balances over $1,000. If you’ve been sued, contact us immediately to discuss your defense options.
Do I need a lawyer for a Debt lawsuit?
While you can represent yourself, having an experienced debt defense attorney can make all the difference in protecting your rights. Without legal representation, creditors may:
- Win a default judgment against you (resulting in wage garnishment or bank levies).
- Intimidate you into paying more than you legally owe.
- Overlook legal defenses that could reduce or dismiss the lawsuit.
What services does a debt defense attorney provide?
As an 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.
how to answer a debt summons
Answering a debt summons involves filing a formal written response, commonly called an “Answer,” with the court. Typically, you have between 20 to 30 days from the date you’re served, though the exact timeline varies by state and is clearly stated on your summons. Your Answer should address each claim listed by the creditor, clearly stating whether you agree, disagree, or lack sufficient information to respond. It’s essential to include any legal defenses you have, such as incorrect debt amounts, expired statutes of limitations, or disputes over ownership of the debt.
After completing your Answer, you must file it with the court clerk, often with a filing fee (though fee waivers are available if you qualify), and send a copy directly to the creditor’s attorney. Missing this deadline can result in a default judgment against you, granting the creditor everything they’re requesting. If you’re unsure about this process or how to structure your response, our team of experienced zero-down debt defense attorneys at Guardian Litigation Group regularly helps people draft and file these Answers, ensuring their rights are protected and increasing the likelihood of a favorable outcome.
Ignoring a debt lawsuit might seem like the easiest option, but it usually leads to a default judgment. This means the creditor wins automatically and can garnish your wages, freeze your bank accounts, or put liens on your property. If you feel overwhelmed or unsure about your next step, getting guidance from experienced attorneys like our team at Guardian Litigation Group can clarify your options and protect your rights.
It’s definitely not too late. Many people mistakenly believe a lawsuit closes the door on negotiating a settlement, but creditors often remain open—or even become more flexible—after litigation starts, preferring to avoid costly court proceedings. Our attorneys at Guardian Litigation Group routinely help clients negotiate beneficial settlements even after a lawsuit has begun.
Yes, creditors and debt collectors can sue you if you fail to make payments. Large banks and credit card companies typically wait several months before taking legal action. However, once a debt is sold to a collection agency, lawsuits become more common—especially for balances over $1,000. If you’ve been sued, contact us immediately to discuss your defense options.
While you can represent yourself, having an experienced debt defense attorney can make all the difference in protecting your rights. Without legal representation, creditors may:
- Win a default judgment against you (resulting in wage garnishment or bank levies).
- Intimidate you into paying more than you legally owe.
- Overlook legal defenses that could reduce or dismiss the lawsuit.
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.
Answering a debt summons involves filing a formal written response, commonly called an “Answer,” with the court. Typically, you have between 20 to 30 days from the date you’re served, though the exact timeline varies by state and is clearly stated on your summons. Your Answer should address each claim listed by the creditor, clearly stating whether you agree, disagree, or lack sufficient information to respond. It’s essential to include any legal defenses you have, such as incorrect debt amounts, expired statutes of limitations, or disputes over ownership of the debt.
After completing your Answer, you must file it with the court clerk, often with a filing fee (though fee waivers are available if you qualify), and send a copy directly to the creditor’s attorney. Missing this deadline can result in a default judgment against you, granting the creditor everything they’re requesting. If you’re unsure about this process or how to structure your response, our team of experienced zero-down debt defense attorneys at Guardian Litigation Group regularly helps people draft and file these Answers, ensuring their rights are protected and increasing the likelihood of a favorable outcome.
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