Guardian Debt Relief

in Debt Settlement Companies from Lifeline Debt Relief Inc.

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Guardian Debt Relief


in Debt Settlement Companies from Lifeline Debt Relief Inc.

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% of Debt Fee 20%
Minimum Debt Owed $7,500

Guardian Debt Relief Review

Guardian Debt Relief is a debt settlement company based in New York, NY. It offers debt relief services to borrowers in 14 states (and Washington, DC). Guardian Debt Relief was founded in 2012. It is an established company that has been in business for years.

Key Takeaways
  • Low debt minimum. Guardian Debt Relief stands out from the competition because it only requires clients to have a minimum balance of $7,500. Most firms require at least $10,000 of unsecured debt.
  • AFCC and IAPDA accredited. Guardian Debt Relief is a member of the American Fair Credit Council (AFCC), which is the largest trade association for the debt settlement industry. It also employs debt resolution specialists that have been trained and accredited by the International Association of Professional Debt Arbitrators (IAPDA).
  • Established company. Guardian Debt Relief has been in business for years.
  • Types of debt settled. Guardian Debt Relief will only settle unsecured debts. These include credit card accounts, personal loans, payday loans, and medical bills.
  • Only available in some states. Guardian Debt Relief is only available in 14 states.
  • Offers in-house debt relief services. Some debt settlement companies act as intermediaries for larger firms. This company uses its own staff to handle debt settlement accounts.
  • Customer service availability. Guardian Debt Relief is closed Saturdays and Sundays, but users can track the progress of their settlement accounts at any time by logging onto their online account.
Guardian Debt Relief Pros & Cons
Pros Cons
  • No monthly consultancy fee
  • Low minimum debt
  • Has IAPDA accredited debt specialists on staff
  • AFCC member
  • Debt relief services only available in 14 states
Guardian Debt Relief FAQ

What does Guardian Debt Relief do?

Guardian Debt Relief offers debt relief services for the following types of debt:

  • Unsecured debt, such as credit card debt, personal loans and medical debt

What does Guardian Debt Relief charge?

Guardian Debt Relief operates on a contingency fee basis. Companies operating under a contingency fee model charge fees that are based upon a percentage of the debt at the time the consumer enrolled; occasionally they are based on a percentage of the savings negotiated by the debt-settlement company. Across the industry in general, debt settlement clients typically see a 45% to 60% reduction of their enrolled debt.

Guardian Debt Relief charges fees of 20% of the enrolled debt.

Debt relief service pricing / costs can vary greatly from one client to another so it's best to speak to Guardian Debt Relief directly to determine an accurate quote.

Does Guardian Debt Relief offer a guarantee?

No, Guardian Debt Relief does not have a money back guarantee. Some debt settlement companies advertise a money-back guarantee that typically states you won't be charged until your debt is settled. However, it is illegal for debt settlement companies to charge upfront fees before an account is settled. So these guarantees offer little added value to consumers.

What is the minimum debt Guardian Debt Relief will consider?

Guardian Debt Relief will only consider customers with unsecured debt of $7,500 or more. Customers with less than $7,500 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.

Does Guardian Debt Relief perform its own servicing in-house?

Yes, Guardian Debt Relief employs its own in-house servicing staff who manage the process and negotiate settlements on behalf of their customers.

What accreditations does Guardian Debt Relief have?

The two main trade associations in the debt relief services space are the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA).

  • Guardian Debt Relief is an accredited AFCC member.
  • Guardian Debt Relief is an IAPDA member.

Guardian Debt Relief Disclosure: If you do enter into a debt settlement program with Guardian, your program may last 24 to 48 months. Clients who are enrolled in a debt settlement program may realize savings at the completion of the program including applicable fees. These figures are based on enrolled unsecured debts, and may vary depending on your individual debt settlement program. Completion rate of the program is not guaranteed, and is based on the client’s ability to make timely monthly payments. There is no guarantee that we will lower your debt by either amount or percentage, or that you will be debt-free at any set time. We do not make monthly payments to creditors, take on consumer debt, nor do we provide credit repair services, or bankruptcy, tax, legal, or accounting advice. Contact a tax professional for tax advice and consequences of debt settlement. Contact a lawyer to discuss bankruptcy options. Our debt settlement services are not available in all states. Depending on your location, we may be able to recommend tax professionals or attorneys to assist you. Any use of the term “debt-free” or “debt freedom” on this site or by any Guardian representative, refers only to unsecured debt enrolled in our debt settlement program—and does not relate to or promise any relief from secured debt and/or unsecured debt not enrolled in a debt settlement program. Please understand the benefits and consequences of enrolling in any debt settlement program, including potential negative credit rating impacts.
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  • Headquarters
  •   65 Broadway, Suite 1702
    New York, NY 10006
  •   Visit Site

Hours of Operation

Eastern Time
  • Sunday Closed
  • Monday 6:00am - 6:00pm
  • Tuesday 6:00am - 6:00pm
  • Wednesday 6:00am - 6:00pm
  • Thursday 6:00am - 6:00pm
  • Friday 6:00am - 6:00pm
  • Saturday Closed

About Guardian Debt Relief

Message From Lifeline Debt Relief Inc.

Guardian Debt Relief is a debt negotiation company based in the heart of the Financial District in New York City. We’ve built a reputation for passionately fighting for our clients, tooth and nail, to bring them out of debt and into a brighter financial situation.


  Available in 14 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Washington, DC
  • Florida
  • Indiana
  • Massachusetts
  • Michigan
  • Nebraska
  • New York
  • Ohio
  • Texas
  • Virginia

Feature Breakdown

Monthly Fee $0
% of Debt Fee 20%
Debt Type Unsecured Debt
Minimum Debt Owed $7,500
Program Length 24 - 48
AFCC Member  
Contingency Model  
IAPDA Member  
In-House Servicing  

Guardian Debt Relief Community Reviews


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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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