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Guardian Debt Relief

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LAST UPDATED: May 25th, 2022

Guardian Debt Relief is a financial resource for those who need quick alternatives to getting out of debt. The company is located within New York City's Financial District. The experts at Guardian Debt Relief offer individualized help through debt settlement programs. These programs allow enrollees to create a trust account and make monthly payments. In the long run, enrollees will only pay a portion of their debt.

While debt settlement is its primary service, Guardian also offers other services like credit counseling, debt management, and financial education. Guardian has earned numerous awards since its inception and a position as an IAPDA-Accredited Service Center. It is also AFCC accredited. This company's debt settlement services can be a much faster way to navigate debt than declaring bankruptcy.

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The Good

  • Guardian Debt Relief Cost
  • Debt Settlement in Your Control
  • Free Consultation
  • User-Friendly Website

Guardian Debt Relief Cost

The company charges 20 percent of your total debt. If you have $10,000 in debt and the company negotiates your debt down to $5,000, you still have to pay the 20 percent fee. In the end, you would end up paying around $7,000, instead of the original $10,000.

Guardian Debt Relief has also stated that its average monthly cost would be around $200. This would likely be money deposited into your special savings account to be used for debt negotiation with creditors.

Guardian Debt Relief also has a low debt requirement of $7,500. This means that you have to have at least $7,500 in debt to use the company's services. Most other companies require at least $10,000 to pursue debt settlement. By law, you do not have to pay the company until after your debt is settled.

Debt Settlement in Your Control

Once you go to Guardian Debt Relief for debt settlement, you can establish a monthly plan to pay back your debts. You'll pay a certain amount of money into a trust account over which you have full control. The account is in your name, and you can consult with Guardian to learn the amount of your monthly payment and how long the program will take.

Free Consultation

You won't need to pay Guardian at all until your debt begins to lower. This means that you can consult with a financial advisor to learn whether or not debt settlement is your best course of action. You'll be well-informed before you decide to use their services. And you'll get a free quote so you know what to expect.

User-Friendly Website

Though you may not know all the ins and outs of debt settlement, you can rest assured that Guardian Debt Relief's website clearly and comprehensively covers all the particulars. With easily accessible content pages, FAQs, and step-by-step instructions, the website is sure to steer you in the direction you seek.


The Bad

  • Not Available in All States
  • Might Take Longer Than You Think

Not Available in All States

Guardian only does business in the following 18 states: AL, AK, AZ, AR, CA, DC, FL, IN, MA, MI, NE, NY, NC, OK, OH, TX, VA, and WA.

Might Take Longer Than You Think

Though debt settlement may be a faster way to get out of debt than credit counseling or bankruptcy, you still should be aware that it'll take time. While Guardian states that you might complete the debt settlement within one year, it also states that most of the time, the process can last up to 48 months. Just make sure you establish a feasible monthly payment.


The Bottom Line

Guardian Debt Relief offers reliable debt settlement and other related services for a large variety of people. Those who have at least $7,500 of debt qualify for the settlement services while anybody can go to the company for an initial consultation. Guardian's consultants understand how to navigate debt and how to maintain a positive relationship with creditors. While you can control your monthly payments in your own trust account, you should carefully consider a plan and be prepared for a settlement process that could potentially last up to four years. Keep in mind that your credit score may be negatively impacted at first, but debt settlement will show your creditors that you're on the right path.

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Carolyn Hazleton, PA

In todays world we rely on credit cards for almost every purchase and coming from a family who relied on that. Then my husband got sick and could no longer work leaving us being a one income family made it harder to pay our debt so I reached out to their company to start to get information regarding a debt program. They provided all the information and their customer service provided excellent service.

1 year ago Edited May 26, 2022