STRUGGLING TO PAY OFF YOUR DEBTS?
55,000+ clients nationwide have used guardian’s debt resolution program to pay off $600 Million in debt
Apply for your FREE Debt Analysis today to discover how you can pay off your debts for less than you owe
Apply for your FREE Debt Analysis today to discover how you can pay off your debts for less than you owe
Legal Protection Built In
Legal representation from day one, at no additional cost to clients seeking debt settlement services
Pay Off Debt for Less
Settle accounts for a fraction of the balance and finally move forward
end the harassment
Put an end to relentless calls and threats from collectors
Guardian Litigation Group is the real deal
“If you’ve got collectors breathing down your neck and you’re drowning in credit card debt, you don’t need another “debt relief company” trying to sell you sunshine and unicorns. You need real help. And Guardian Litigation Group is the real deal.”
-Dave Ramsey
Personal Finance Expert, Best-Selling Author, & Co-Host of The Ramsey Show
Guardian Litigation Group is the real deal
“If you’ve got collectors breathing down your neck and you’re drowning in credit card debt, you don’t need another “debt relief company” trying to sell you sunshine and unicorns. You need real help. And Guardian Litigation Group is the real deal.”
-Dave Ramsey
Personal Finance Expert, Best-Selling Author, & Co-Host of The Ramsey Show
Guardian is for you if...
Guardian is for you if...
If any of these sounds familiar to you, Guardian’s Debt Resolution Program is going to make your debt free journey faster, more affordable & more attainable!
- You Can’t Make Your Monthly Payments
“I was having problems with keeping current with my finances and my debt. I consulted Guardian Group and they were able to navigate through the challenges and deal with my creditors to the point that they were able to settle my debt with these creditors.”
Reuben D.
Georgia
- You're receiving collection calls
Jennifer B.
Illinois
- You've been impacted by a life change
“I got into some financial issues trying to take care of my parents’ health issues. I contacted this company. They settled my accounts quickly, nine different accounts. They took care of them, saved me approximately $10,000.”
Robert H.
Kansas
No obligations. No upfront fees.
* Individual results may vary. These testimonials reflect the client’s experience and is not a guarantee of future outcomes.
No obligations. No upfront fees.
* Individual results may vary. These testimonials reflect the clients’ experience and is not a guarantee of future outcomes.
How are Client-Focused legal services Work
Step 1: Free consultation with our legal onboarding team
It starts with a conversation, not a contract. Our experienced intake specialist discuss your situation, whether it involves unpaid credit cards, an active lawsuit, or repeated collection calls.
Step 2: Personalized Legal Strategy Built Around You
Our attorneys outline a path that fits your circumstances. This may involve reducing debt through settlement, defending you in court, or using federal law to stop illegal collection practices. Each option is explained in plain terms so you know exactly how it addresses your problem.
Step 3: Fighting for the Best Outcome
Once your plan is in place, we take action. That includes negotiating with creditors, representing you in front of a judge, or holding collectors accountable. Our focus is on achieving the strongest result possible so you can move forward with greater control and less stress.
We are a Law Firm Providing Debt Settling Services and debt Litigation Defense
Guardian will negotiate with your creditors to reduce the total amount you owe. Our goal is to help you settle your debts for less than the full balance, allowing you to move forward with your financial life.
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
Real Settlement offers Accepted by real clients
Real Settlement offers
Accepted by real clients
| Lender | Initial Debt | Settled Amount | Reduction |
|---|---|---|---|
| Capital One | $5,071.69 | $2,688.00 | 47% |
| Barclays Bank | $23,282.29 | $10,241.52 | 56% |
| Chase | $60,568.99 | $36,341.40 | 40% |
| Best Egg | $10,747.68 | $5,360.00 | 50% |
| Bank of America | $6,372.00 | $3,505.00 | 45% |
These are recent settlement offers accepted by our clients. Individual results may vary. Outcomes depend on a variety of factors, including individual financial circumstances and the nature of the debts involved. Fees are not included in figures.
These are recent settlement offers accepted by our clients. Individual results may vary. Outcomes depend on a variety of factors, including individual financial circumstances and the nature of the debts involved. Fees are not included in figures.
Take the first step to being debt free
Take the first step to being debt free
We've Helped Change Thousands Of Lives
Ready to get started today?
Ready to get started 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 settle multiple accounts with creditors at once, which gives us leverage
- Pay off your debt for less than what you owe
- Our average first settlement takes place at approximately 100 days of enrollment
- Reduction in creditor calls and collection efforts
- Unlike other debt relief programs, we offer legal representation at no additional cost
No obligation required
frequently asked questions
Who qualifies for Debt Settlement?
Guardian’s legal services are designed for anyone in financial hardship who is falling behind or having problems making minimum payments to creditors on their unsecured debts.
You must have a minimum of $4,500 in total unsecured debt and a minimum of $450 with each individual creditor. You also need to be able to make consistent monthly savings deposits on time for the duration of the estimated term.
How does debt settlement work?
If you engage Guardian, as part of the engagement agreement, you would agree to set-aside and save a fixed amount of money each month. This is based on the total amount of debt covered by the engagement agreement. That amount would be deposited monthly to your dedicated client savings account.
That savings account makes both the legal negotiation and settlement and payment process easier and more secure. As the savings account builds each month, the firm works towards agreeable settlements with your creditors or their representatives. Once a settlement resolution offer is legally negotiated and approved, we will reach out to you to obtain your authorization.
How long would this take? What is the length of the agreement?
The engagement agreements vary from 18 – 60 months; however, it really depends on your ability to save the funds that will satisfy the amount of your settled debts. The term of the engagement agreement is an estimate and not a guaranteed time frame.
How are my debts ‘settled’?
As part of the legal services agreement, you would agree to set-aside and save a fixed amount of money each month. As the savings account builds each month, the firm works towards settlements with your creditors or their representatives.
Once a settlement resolution is legally negotiated and approved, we will reach out to you to obtain your authorization.
Depending on your budget, we may set-up an installment settlement or a lump sum settlement. An installment settlement is a resolution option that is paid over time with fixed installment payments totaling the amount of the final settlement. A lump sum settlement is a specified amount of money paid in one payment.
Can I be sued by my creditors?
Yes, creditors can file a lawsuit if debts go unpaid, and this can happen to anyone—whether or not they’re enrolled in a debt relief program. At Guardian Litigation Group, we provide legal representation at no additional cost to protect you in these situations.
Unlike other debt relief programs, WE ARE A LAW FIRM and our team of dozens of attorneys are ready to defend your rights and negotiate with creditors to help prevent or respond to legal actions.
With Guardian on your side, you’re fully supported every step of the way, from responding to lawsuits against your enrolled accounts, communicating with Plaintiff’s counsel and courts, and appearing in court, we will fight for you!
Does debt settlement have a negative impact on my credit?
Yes. Guardian’s legal services do not include credit repair services, and the goal is not to improve your credit score. You should expect that your credit will reflect negative activity for the duration of your engagement with the firm, as creditors report missed payments. However, after we have completed resolving your unsecured debt obligations and the legal services are complete, we offer a complimentary credit reporting review. If we identify any inaccurate reporting of your settled debts, we will take legal action at no cost to you to correct those errors through the Fair Credit Reporting Act (FCRA) or other applicable legal channels.
The focus right now is entirely on getting you out of debt. Once you are safely out of debt you can immediately begin to reestablish credit. As deposits build in your savings account the firm gets closer and closer to settling all your debts.
Guardian’s legal services are designed for anyone in financial hardship who is falling behind or having problems making minimum payments to creditors on their unsecured debts. You must have a minimum of $4,500 in total unsecured debt and a minimum of $450 with each individual creditor. You also need to be able to make consistent monthly savings deposits on time for the duration of the estimated term.
If you engage Guardian, as part of the engagement agreement, you would agree to set-aside and save a fixed amount of money each month. This is based on the total amount of debt covered by the engagement agreement. That amount would be deposited monthly to your dedicated client savings account. That savings account makes both the legal negotiation and settlement and payment process easier and more secure. As the savings account builds each month, the firm works towards agreeable settlements with your creditors or their representatives. Once a settlement resolution offer is legally negotiated and approved, we will reach out to you to obtain your authorization.
The engagement agreements vary from 18 – 60 months; however, it really depends on your ability to save the funds that will satisfy the amount of your settled debts. The term of the engagement agreement is an estimate and not a guaranteed time frame.
As part of the legal services agreement, you would agree to set-aside and save a fixed amount of money each month. As the savings account builds each month, the firm works towards settlements with your creditors or their representatives. Once a settlement resolution is legally negotiated and approved, we will reach out to you to obtain your authorization. Depending on your budget, we may set-up an installment settlement or a lump sum settlement. An installment settlement is a resolution option that is paid over time with fixed installment payments totaling the amount of the final settlement. A lump sum settlement is a specified amount of money paid in one payment.
Yes, creditors can file a lawsuit if debts go unpaid, and this can happen to anyone—whether or not they’re enrolled in a debt relief program. At Guardian Litigation Group, we provide legal representation at no additional cost to protect you in these situations.
Unlike other debt relief programs, WE ARE A LAW FIRM and our team of dozens of attorneys are ready to defend your rights and negotiate with creditors to help prevent or respond to legal actions.
With Guardian on your side, you’re fully supported every step of the way, from responding to lawsuits against your enrolled accounts, communicating with Plaintiff’s counsel and courts, and appearing in court, we will fight for you!
Yes. Guardian’s legal services do not include credit repair services, and the goal is not to improve your credit score. You should expect that your credit will reflect negative activity for the duration of your engagement with the firm, as creditors report missed payments. However, after we have completed resolving your unsecured debt obligations and the legal services are complete, we offer a complimentary credit reporting review. If we identify any inaccurate reporting of your settled debts, we will take legal action at no cost to you to correct those errors through the Fair Credit Reporting Act (FCRA) or other applicable legal channels.
The focus right now is entirely on getting you out of debt. Once you are safely out of debt you can immediately begin to reestablish credit. As deposits build in your savings account the firm gets closer and closer to settling all your debts.
