Apply for your FREE Debt Analysis today to discover how you can pay off your debts for less than you owe
As of 2025, the Federal Reserve reports that consumers in the United States owe more than $18.04 trillion in household debt. With the average total debt per household in some states reaching up to $150,000.
Nearly 1 in 5 Americans have had their debt transition to delinquency and debt collection, with many having faced lawsuits over debts. For many, these financial struggles are the result of unforeseen hardships such as job loss, medical emergencies, reduced income, or economic downturns—circumstances that have made it increasingly difficult to keep up with monthly obligations.
However much you owe, you are not alone. Millions of Americans have sought some form of debt resolution. Whether facing aggressive collection calls, threats of lawsuit, or the stress of mounting interest rates, individuals across the country are looking for debt resolution that allows them to reduce how much they owe, avoid bankruptcy, and rebuild their financial future.
At Guardian Litigation Group, we understand that every financial situation is unique, and we are committed to helping clients navigate the path to debt relief with legal expertise and compassionate support.
Unlike many debt settlement companies, WE ARE A LAW FIRM. While debt settlement companies may offer negotiations with creditors, they lack the legal authority to represent you in court. At Guardian, our attorneys are prepared to intervene legally if creditors take aggressive action against you.
Defendants with legal representation in debt collection lawsuits achieve better outcomes. From 2010 to 2019 Pew Research shows that less than 10% of defendants had legal counsel, yet those represented were more likely to win their cases outright or reach favorable settlements.
We are prepared and ready to fight to reduce the total amount you owe. Guardian stands by your side to protect your rights and take on your creditors.
As part of our commitment to personalized solutions, we provide a Free Debt Analysis to assess your financial situation and determine which accounts qualify for our program. This ensures that every client receives a customized approach suited to their specific needs.
Debt resolution, also known as debt settlement, involves negotiating with creditors to reduce the total amount owed, allowing individuals to settle debts for less than the original balance.
Bankruptcy, Chapter 7 or Chapter 13, is a legal process that can either discharge debts entirely or restructure payment plans. Chapter 7 bankruptcy may lead to the liquidation of assets to repay creditors, while Chapter 13 allows for a repayment plan over three to five years.
Both types of bankruptcy may have significant long-term consequences on an individual's credit worthiness, preventing them from credit, loans, and insurance for years to come.
Instead of declaring bankruptcy, our approach involves setting aside funds monthly to make repayments towards your debts. These resources become the foundation for negotiating lower balances with your creditors. We address each debt individually, while working systematically to alleviate your financial burdens and help you regain control of your finances.
That means while you save, we negotiate. The timeline for this process depends on factors such as your total debt, payment history, creditor type, and income. Most debts are solved in 24-40 months, depending on factors such as the total amount of debt enrolled, the client's ability to save for settlements, and the specific creditors involved.
Sometimes, we can resolve your debt in one bold stroke with a single lump-sum payment. Other times, we need to take smaller steps with a steady rhythm of payments, each one bringing you closer to relief. Either way, the debt resolution process has a significantly less severe impact on your credit than bankruptcy.
At Guardian Litigation Group, we are committed to providing ethical and fully compliant debt resolution services. We strictly adhere to Federal Trade Commission (FTC) regulations to protect our clients and maintain transparency throughout the debt settlement process. Our compliance measures include:
| 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.
Take the first step to being debt free
At Guardian Litigation Group, LLP, we are dedicated to providing compassionate and effective debt settlement services. Our experienced legal team supports clients from all walks of life, can you navigate the intricacies of settlement against your unsecured debts upwards of $7500.
Guardian has helped 55000+ clients solve nearly half a billion dollars in debt.
Every situation is unique, but if you are experiencing hardship or have already been considering bankruptcy, please get in touch with the trusted debt lawyers at Guardian to learn more about our debt settlement program and how we can negotiate with your creditors to help you live debt-free again.
Contact us online or give us a call at (949) 569-9006 to set up your case consultation.
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.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
Your debt must be unsecured, such as credit cards, personal loans, and medical bills.
Clients must have at minimum $7,500 in total enrolled debt.
Clients must demonstrate an inability to meet minimum payments due to circumstances beyond their control. Financial hardship may arise from job loss, medical emergencies, reduced income, unexpected expenses, or broader economic downturns. These challenges often lead to mounting debt, difficulty paying bills, and an increased risk of default.
If you are facing a debt-related lawsuit or wage garnishment, contact Guardian Litigation Group immediately. Time is critical in these situations, as debt lawsuits typically allow only a 14-30 day window to file a response with the court. Failure to respond within this timeframe can result in a default judgment, which may lead to wage garnishments, bank levies, or other legal actions.
If there are at least 10 days left to respond (from the verified date of service), our legal team can step in to negotiate settlement options while defending you in the lawsuit.
However, please note that our firm cannot assist if a judgment has already been entered against you (e.g., wage garnishment, lien on property, or bank levy has already taken place). If you are unsure about the status of the litigation, we encourage you to reach out for an initial consultation as soon as possible.
Typical program lengths vary from 24 – 40 months; however, it really depends on your ability to save the funds that will satisfy the amount of your settled debts. The program length is an estimate and not a guaranteed time frame.
In Guardian’s Debt Resolution Program, you will agree to save a fixed amount of money each month. This is based on the total amount of debt you enroll.
We will start assessing your accounts as soon as you enroll but the time it takes to start the settlement process will depend on a variety of factors including the amount of debt, how many payments you have missed, the type of creditor, and more.
Once our team reaches a settlement agreement with your creditor, a formal offer letter will be sent to you for your review & approval.
The program is designed for those in financial hardship who are falling behind or having problems making minimum payments to creditors on their unsecured debts. Your credit may decrease for a short period of time but the goal of our program is to eliminate your debts to give you a fresh start while avoiding bankruptcy.
Once the program is completed, we encourage you to review the accuracy of accounts on your credit report and that you continue healthy financial habits.
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.
But 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!
At Guardian Litigation Group, we are committed to upholding the highest standards of ethical and legal compliance in all aspects of debt resolution. We adhere to Federal Trade Commission (FTC) regulations and industry best practices to ensure transparency, consumer protection, and fair debt settlement services.
We never charge fees before successfully settling or reducing a client’s debt. Our program is performance-based, meaning we only get paid when we deliver results.
We provide full transparency about potential risks, fees, and the estimated timeline for debt resolution, ensuring clients make informed decisions.
Clients maintain complete ownership and control over their dedicated savings accounts, which are FDIC-insured for security and peace of mind.
Guardian Litigation Group firmly upholds a No False Promises policy. We do not guarantee specific settlements, misrepresent the impact of debt negotiation, or hide the fact that efforts to settle debt will have a sustained negative impact on your credit. Instead, we focus on realistic solutions and empowering clients with knowledge about the benefits and challenges negotiating with your creditors.
Laws governing debt collection vary by state, with some jurisdictions implementing shorter statutes of limitations on debt collection lawsuits. Our legal team ensures full compliance with state-specific regulations. (Please note that our firm is not taking on new cases in Oregon and Minnesota currently.)
With Guardian Litigation Group, clients can trust that their financial future is in good hands. Our team stays ahead of regulatory changes, ensuring that every client is handled with integrity, professionalism, and consumer protection in mind.
We invite you to reach out to us today and discover how our experienced team can assist you in securing your financial future.
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