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Last Updated: 04/18/2025

Guardian Debt Relief

from Lifeline Debt Relief Inc.

Last Updated: 04/18/2025

Rating not yet determined1 total votes

1 users are unsure

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Highlights

Minimum Debt Owed

$7,500

Settlement Fee %

20%(Verified 06/21/2024)

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Monthly Service Fee

$0(Verified 06/21/2024)

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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). Founded in 2012, it is a well-established company that has been in business for over 10 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.
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

Pros

Cons

No monthly consultancy fee
Low minimum debt
Has access to IAPDA accredited debt specialists
AADR 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, medical debt, and personal loans.

What does Guardian Debt Relief charge?

Guardian Debt Relief charges a settlement fee based on the debt handled. Instead of monthly payments or upfront fees, Guardian Debt Relief only collects a fee once a settlement has been reached. Fees are calculated as a percentage of the enrolled debt and may vary by state. Across the industry, debt settlement clients typically see a 45% to 60% reduction of their enrolled debt before fees.

Guardian Debt Relief settlement fees are 20% of the enrolled debt.

Debt relief fees and settlement terms can vary based on your state and individual circumstances, so it’s best to speak directly with Guardian Debt Relief for 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 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?

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 Association for Consumer Debt Relief (ACDR) and the International Association of Professional Debt Arbitrators (IAPDA).

Guardian Debt Relief is an accredited ACDR member.
Guardian Debt Relief is an IAPDA member.

Is Lifeline Debt Relief Inc. a legit company?

Lifeline Debt Relief Inc. was founded in 2012, it is a well-established company that has been in business for 14 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Guardian Debt Relief

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.

Contact

Headquarters

65 Broadway, Suite 1702

New York, NY 10006

Visit Site

Email Support

Hours of Operation

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

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SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.