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Where does Guardian Debt Relief do business?

Guardian Debt Relief is a debt settlement company based in New York, NY. The company was founded in 2012 and offers debt relief services to borrowers in 14 states (and Washington, DC).

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's fees start at 20% and go up to 20% of the enrolled debt depending on the amount of enrolled debt provided. 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 offer a money back guarantee.

What is the minimum debt Guardian Debt Relief will consider?

Guardian Debt Relief will only consider customers with unsecured debt of $7500 or more. Customers with less than $7500 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.

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

No, Guardian Debt Relief partners with third party service providers who negotiate on behalf of the clients they enroll.

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 not an accredited AFCC member. Guardian Debt Relief is an IAPDA member.

  • Minimum Debt Owed
    $7500
  • Debt Type
    Unsecured Debt
  • % of Debt Fee
    20%
  • No Monthly Consultancy Fee
  • Pricing Model
    Contingency Fee (% of enrolled debt)
  • Contingency Model
  • Free Consultation
  • IAPDA Member
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