Debt collection defense in a lawsuit means responding directly to the case filed against you. The first step is filing an Answer with the court, which prevents a default judgment that would automatically favor the collector. From there, defenses may include challenging whether the collector has legal standing, whether the debt amount is accurate, or if the claim is barred by the statute of limitations. By raising these defenses in court, you force the collector to prove their case rather than winning automatically.

No. Owing money is not a crime. You cannot be arrested or jailed just for being unable to pay.

Important: If you ignore a legitimate lawsuit, the court may issue a judgment against you. This can lead to wage garnishment or other legal actions, but jail is not one of them.

Typical estimated program length can 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. 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. This is key to providing you the best settlement even if it takes time.

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.

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!

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 review the accuracy of accounts on your credit report and that you continue healthy financial habits.