Our Debt Negotiation Program
In this program, our team of skilled debt negotiators will fight on your behalf to settle your unsecured debt for just a fraction of what you currently owe.
To help you get a better understanding of how debt negotiation works, we have broken it down into 5 simple steps.
Step 1 - Enroll in the Program
Call or fill out a form to get a FREE financial analysis.
With your approval, a debt specialist will personally assess your financial situation and credit history to determine your eligibility for the Guardian Debt Relief program.
There are no up-front fees in our program.
Your success is our success. You will not pay us a penny unless we successfully lower your
If you have been approved for the program and sign an electronic agreement, you will then move on to Step 2.
No Up-Front Fees
We will not get paid until we have successfully reduced your debt. Guaranteed.
Your guide throughout the enrollment process. They will analyze your debt, discuss your options, and determine your eligibility.
See If You Qualify
No strings attached.
Step 2 - Make Monthly Payments
Your dedicated debt specialist will work with you one-on-one to design a monthly payment program designed to fit your budget and needs.
Your monthly payments will be deposited into a personal trust account with Global Client Solutions, an FDIC insured bank that acts as a “middle-man” between you, your creditors, and Guardian Debt Relief.
During the program, you maintain complete control of your account and its funds.
You make monthly payments into a personal trust account, completely under your control.
Global Client Solutions:
BBB Accredited, A+ Rating
Guardian uses the proof of your monthly payments to begin fighting for your debt reductions.
Online Client Portal
Our Online Client Portal allows you to track your debt relief progress online in real time.
Step 3 - Inform Your Creditors
Once your first monthly payment is processed and cleared, Guardian Debt Relief will immediately contact your creditors.
We do this for a few reasons...
• It shows your creditors that you are enrolled in our debt relief program and are taking steps to repay your debt.
• It should stop harassment calls from collectors.
The Guardian Difference:
Guardian Debt Relief immediately notifies your creditors after your first payment clears.
Step 4 - We Lower Your Debt
Once you have saved enough funds in your trust account, our debt negotiators will contact your creditors on your behalf to reach a settlement.
Guardian Debt Relief has successfully settled thousands of accounts for our clients.
We have built strong relationships with all major creditors, allowing us to quickly settle your debt for just a fraction of what you currently owe.
You will be notified each time a settlement agreement is reached.
Our debt negotiators are typically able to settle accounts for 40-60% of their original balance, meaning that clients pay creditors .40 to .60 cents on the dollar owed, and realize average savings of approximately 20-40% after settlement fees.
What is a settlement?
A settlement is a lump sum that your creditor agrees to accept instead of the full debt amount. Your creditors are "settling" for less money so that they can quickly resolve the account.
Our debt negotiators typically settle accounts for 40-60% of their original debt.
Step 5 - Complete The Program
One by one, your accounts will be settled and your debt will be reduced.
Once all negotiations are completed and your creditors have agreed to settle on a lower debt repayment, Guardian will transfer the funds from your secure trust account to your creditors.
Once all of your accounts have been settled and paid for, you will graduate from the Guardian Debt Relief program knowing that you have successfully paid off all of your unsecured debt in significantly less time and for much less than what you originally owed.
How Long Will It Take?
Programs typically take 24-48 months to complete.
How Much Does it Cost?
After we have successfully lowered your debt, Guardian's success fee is 20% of your original debt.
Have More Questions?
Visit these pages to learn more:
• Do I Qualify?
• News and Articles