Last Updated: 04/18/2025
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Highlights
Minimum Debt Owed
Settlement Fee %
Monthly Service Fee
Guardian Debt Relief Review
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.
- ACDR and IAPDA accredited. Guardian Debt Relief is a member of the Association for Consumer Debt Relief (ACDR), 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).
- Well-established company. Guardian Debt Relief has been in business for 14 years.
- Only considers unsecured debts. Guardian Debt Relief will only settle unsecured debts. These include credit card accounts and personal loans.
- Only available in some states. Guardian Debt Relief is only available in 14 states, and Washington, DC.
Guardian Debt Relief Pros & Cons
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Guardian Debt Relief FAQ
What does Guardian Debt Relief do?
- Unsecured debt, such as credit card debt, medical debt, and personal loans.
What does Guardian Debt Relief charge?
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 is recommended for customers with an 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?
What accreditations does Guardian Debt Relief have?
- Guardian Debt Relief is an accredited ACDR member.
- Guardian Debt Relief is an IAPDA member.
Is Lifeline Debt Relief Inc. a legit company?
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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