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What is Debt Negotiation

Debt negotiation can be a powerful tool to pay back your unsecured debt and loans quickly, and for less than what you would pay for the life of the loan.

A debt negotiation company will negotiate with your creditors and lenders to reduce your principal debt while you make monthly payments into a trust account--an account serviced by a third party that you have complete control over.

By choosing Guardian Debt Relief, your creditors may accept repayment at just a fraction of what you owe, which means you pay back less when your unsecured debt are negotiated. We can combine all of your unsecured debt into one lower monthly payment.

How Does it Work?

If you qualify for enrollment in Guardian’s Debt Relief services, you will be asked to stop paying your unsecured loans and debts. You will instead be making monthly payments into a secure trust account, which only you have access to.

This is because if you are still making minimum payments, creditors will not settle your debts. They’re still getting your money, so why should they choose to settle?

Does it Affect My Credit?

It is important to be aware of how debt negotiation will impact your credit score.

There will be an impact to your credit by choosing debt negotiation. In fact, your credit score may already be impacted due to late payments, or having heavy credit utilization.

However, enrolling into a debt negotiation program such as one provided by Guardian Debt Relief shows that you are actively involved in improving your future financial situation.

While your score might lower when you enter a debt negotiation program such as Guardian’s, keep in mind that if you can’t afford to pay your credit card debts and consistently pay late or miss payments, your credit score is already negatively impacted. After you have finished the debt negotiation program, your settled debts will be indicated on your credit report.

Only Work With The Best

You must find a reputable debt negotiation company that can show demonstrated success with past and current clients.

Like with any other business, avoid debt negotiation companies that promise too much and do too little.

Like other debt relief solutions, debt negotiation has pros and cons and you must make the right choice for yourself.


Pay back less than you owe on your balance.

Repayment through debt negotiation is based on a monthly payment schedule created on your terms.

Debt negotiation repayment typically takes 24-36 months, compared to the many years or decades it would take to repay a debt through minimum payments.

Trustworthy companies will have dedicated debt relief specialists to guide you through the debt negotiation process.

Guardian Debt Relief does not charge upfront fees or payments.


Debt negotiation may have a negative effect on your credit score.

You may have to pay taxes on the amount of money you saved on the debts that were settled.

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