(888) 986-9939


(888) 986-9939


What is Debt Settlement?

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

A debt settlement 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 debts are settled. We can combine all of your qualifying debts into one 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 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 settlement will impact your credit score.

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

However, enrolling into a debt settlement 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 settlement 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 settlement plan, your settled debts will be indicated on your credit report.

Only Work With The Best

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

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

Like other debt relief solutions, debt settlement 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 settlement is based on a monthly payment schedule created on your terms.

Debt settlement repayment takes an average of 24 months, compared to the many years or decades it would take to repay a debt through minimum payments.

Trustworthy companies will have dedicated debt settlement experts to guide you through the debt settlement process.

Guardian Debt Relief does not charge upfront fees or payments.


Debt settlement 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.

Are You Ready To Be Debt Free?

If you think debt settlement is the right solution for you, then take the first step to a debt free life!

Fill out the form to the right to receive a free debt relief quote!

One of our debt experts will reach out to you and discuss your options.

Guardian Debt Relief is here to help protect your financial freedom!

  • By clicking "Get Free Quote" I agree to the Privacy Policy and the Terms & Conditions