Debt Resolution
Debt Resolution
Trusted By 55,000+ Clients
Nationwide Debt Resolution Attorneys
Discover how you can pay off your debts for less than you owe
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.
How Guardian Can Help
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.
Learn More About Debt Resolution
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.
Take the first step to being debt free
How does Guardian Litigation Group ensure compliance with debt settlement laws?
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:
Our Firm is Trusted Nationwide
Is Debt Resolution Bankruptcy?
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 creditworthiness, preventing them from credit, loans, and insurance for years to come.
How Does Guardian Resolve Debt?
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.
What Debts are Eligible?
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.
Debts Eligible for Enrollment
Medical Bills
Credit Cards
Personal Loans
Pay Day Loans
Store Cards
Auto Loans (post-repo)
Private Student Loans
Debt Resolution For Your Future
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.
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
frequently asked questions
Who qualifies for Debt Settlement?
Debt Type
Your debt must be unsecured, such as credit cards, personal loans, and medical bills.
Debt Amount
Clients must have at minimum $7,500 in total enrolled debt.
Financial Hardship
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.
What should I do if I am already facing debt lawsuits or wage garnishments?
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.
What is the length of the program?
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.
How are my debts ‘settled’?
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.
Does debt settlement have a negative impact on my credit?
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.
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.
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!
Legal & Compliance Commitment
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.
Strict Adherence to FTC Regulations
No Upfront Fees
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.
Clear and Honest Disclosures
We provide full transparency about potential risks, fees, and the estimated timeline for debt resolution, ensuring clients make informed decisions.
Client-Controlled Savings Accounts
Clients maintain complete ownership and control over their dedicated savings accounts, which are FDIC-insured for security and peace of mind.
Protecting Clients from Predatory Practices
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.
Recent Legal Updates & Consumer Protections
State-Specific Debt Collection Laws
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.
