Guardian Debt Relief Synopsis 

Review Summary: Guardian Debt Relief offers debt relief to consumers through its debt negotiation program. Guardian negotiates lower payoff amounts with creditors. Customers are then set up on a monthly payment plan to pay off the debt owed to Guardian.  

Recommended for: Guardian Debt Relief may be a good option for those who have at least $10,000 in unsecured debt, are struggling to make their monthly payments, and live in one of the states where Guardian operates. (See the full list below.) 

What is Debt Relief?

Debt relief is also known as debt resolution, debt settlement, and debt negotiation. Consumers who find themselves with a large amount of debt, are facing financial hardship, and are having difficulties paying off the debt may qualify for debt relief assistance. Debt relief companies help consumers secure new terms with creditors toward the goal of reducing the amount of debt owed and resolving the debt at a faster rate. Utilizing a debt relief program typically results in a temporary drop in your credit score. 

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Overview 

The primary service that Guardian offers is debt negotiation, but it also provides financial education, such as teaching budgeting, building healthy spending and saving habits, and other tips.  

The goal of a debt negotiation program is to get creditors to agree to accept a lower balance to pay off the debt.  

Guardian says that it is typically able to settle accounts for 40% to 60% of the starting balance.  

In order to work with Guardian, you must meet the following qualifications: 

• Have unsecured debt such as credit cards, medical bills, utility bills, and private student loans 
• Have at least $10,000 in unsecured debt 
• Have the ability to make monthly payments into a secure trust account with Guardian 
• Show financial hardship, which means that your monthly budget is not enough to repay the debt  

Guardian Debt Relief Process 

If you decide to work with Guardian Debt Relief, here is a high-level overview of the process you can expect: 

• Step 1: Get a free debt analysis. The first step is to fill out an online form or talk to one of its debt relief specialists to determine your debt relief options.

• Step 2: Receive a monthly payment estimate. The debt relief specialist will send you a quote for what you can expect your monthly payment to be.  
• Step 3: Join the program. Once you join the program, you will start making monthly payments into a personal trust account, and Guardian will start the negotiation process with your creditors to try to get lower debt payoff amounts.  
• Step 4: Inform your creditors. Guardian will reach out to each creditor to inform them that you are working with the debt relief company. This lets them know that you are working on a debt payment plan and should stop calls from creditors.  
• Step 5. Pay off debt. Start paying off debt once enough is saved in your account and have your debt paid off in 24 to 48 months.  

Guardian Debt Relief Rates and Fees 

Guardian does not charge any upfront fees. Guardian charges 20% of the original debt after it has been able to lower your debt.  

Guardian Debt Relief Company Information 

Guardian Debt Relief has been in business since 2012 and is based out of New York City. It is a BBB-accredited business with an A+ rating. 

It is certified by the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IADPA). 

States Serviced by Guardian Debt Relief 

Guardian Debt Relief only operates in the following 13 states and the District of Columbia: 

• Alabama 
• Alaska 
• Arizona 
• Arkansas 
• California  
• Florida 
• Indiana 
• Maine 
• Michigan  
• Nebraska 
• New York 
• Texas 
• Virginia 
• Washington, D.C.

Reviews last updated: 10/14/24. (Reviews are typically updated monthly.)

Ratings last updated: 8/14/24. (Ratings are typically updated quarterly.)