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.
How does Guardian Debt Relief describe itself?
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.
Minimum Debt Owed
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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