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Guardian Debt Relief Review

If you’re struggling with unsecured debt, Guardian Debt Relief can help you combine all of your debts into one low monthly payment. You can inquire and see your specific debt payoff plan prior to signing any documents or being charged any fees.

Guardian Debt Relief
Guardian Debt Relief
Diverse service offering
Accredited member of AFCC and IAPDA
Low minimum debt requirement
Available in 14 states
No retainer fee is required
Must have at least $7,500 worth of eligible debt
Trustworthiness and stability
Must be several months behind on payments
Tetiana Sitiugina
Financial Sector Specialist and Content Strategist

Reviewed by: Sarah Brooks, Personal Finance Writer and Editor

Fact Checked by: Thomas Brock, Chartered Financial Analyst (CFA) and a Certified Public Accountant (CPA)

Guardian Debt Relief helps customers lower their total unsecured debt obligations and pay it off faster. Unsecured debts are debts that are not backed by collateral, such as credit card debt, personal loans, medical bills, and private student loans. If you find yourself struggling to pay any of these bills, Guardian Debt Relief can help. Ranked as one of the best debt relief companies of 2022, Guardian Debt Relief will guide you through their five-step plan to both reduce and pay off your debt.

In this Guardian Debt Relief review, we are going to take a closer look at the debt negotiation services offered by the company and what you can expect from working with them.

Editor’s Note (Warning)

Working with a company that promises to erase your unsecured debt can be enticing. However, if a debt settlement program is not the right fit for you financial struggles or if the debt relief company is not fully honest, you are risking even more problems.

The success rate of for-profit debt relief companies is no more than 10%, which means that you are likely to end up paying additional fees without ever receiving a settlement. Many times, there are other steps you can take to dig your way out of a financial hole. This includes improving your spending habits, asking your creditor for a “payment holiday,” or even filing for bankruptcy. 

If all else fails, a debt relief company may be able to help you. Just make sure you do thorough research to find a reliable debt relief company prior to agreeing to a plan.

Summarized Rating

This parameter considers service offering breadth, geographic reach, and minimum debt level requirements. Each of these features was evaluated using the five-point scoring system. Then, the various scores were aggregated and averaged to establish an overall services and solutions score.

Guardian has a below average 3.0 for Services and Solutions. This reflects its limited service offering and relatively low minimum debt requirement.

What is Guardian Debt Relief?

Founded in 2012 and located in New York City, Guardian Debt Relief offers debt negotiation services to anyone with personal loan debt, credit card debt, unpaid medical bills, and private student loan debt. The company charges nothing upfront and follows a simple process to get their clients out of even the most devastating financial situations. 

To start, you’ll schedule a free consultation with a certified debt specialist to discuss your debt and come up with a plan to get it paid off. If you agree to the plan, you’ll sign the documents and get started paying off your debt for good.

Guardian Debt Relief Pros and Cons

Guardian Debt Relief Pros
Flexible payments
Convenient online client portal
Financial tools available
Free debt analysis with a specialist
Flat fee
FDIC insured account
High success rate
IAPDA and AFCC certified
Guardian Debt Relief Cons
Requires at least $7,500 of unsecured debt
Negatively affects credit score
Fee based on original debt, not final savings
Only available in 14 states

Types of Debt Covered By Guardian Debt Relief

Guardian Debt Relief offers debt negotiation services for unsecured debt. This includes:

  • Personal loan debt
  • Credit card debt
  • Unpaid medical bills
  • Unpaid utility bills
  • Private student loan debt

The company doesn’t cover any types of secured debt, such as auto loans or mortgages.

Guardian Debt Relief Service Features

Guardian Debt Relief offers helpful resources and debt relief tools, but their primary service is debt negotiation. With debt negotiation, the goal is to lower your debt as much as possible, and Guardian Debt Relief has a proven track record of success in doing so. Many times, Guardian’s clients end up paying only a fraction of their original debt. This could be as little as $0.40-$0.60 on the dollar owed. After the flat service fee, it leaves a reduction of 20-40% of the original debt amount.

After the debt settlement details have been worked out, you would agree to monthly payments based on the reduced amount you owe and your financial capabilities. Most clients will leave the Guardian debt program completely debt-free in as little as 24 to 48 months.

The minimum debt required to become Guardian’s client is $7,500. Keep in mind that the program was designed for clients with sizable debts; if you only owe a few hundred dollars, you would need to find another debt relief option.

Moreover, Guardian Debt Relief only works with clients in the following 14 states: Alabama, Alaska, Arizona, Arkansas, California, Florida, Indiana, Maine, Michigan, Nebraska, New York, Texas, Virginia, and Washington.

Breadth of services offering

Debt negotiation & settlement

Financial education

Extent of Geographic Presence

14 states

Minimum Debt Required


Average Time for Relief

24 to 48 months

Average Relief Amount

Reduction of 20-40% of original debt, after fees

Guardian Debt Relief Costs and Fees

One great feature worth highlighting in this Guardian Debt Relief review is that it charges absolutely nothing upfront. Once the debt is settled, you would pay a flat fee of 20% of your original debt.

Since Guardian doesn’t charge any fees unless it manages to reduce your debt, it does not offer any money-back guarantees. The company also states that they do not guarantee a successful outcome or a specific timeframe for clients to become debt-free.

Upfront Fees


Settlement/Performance Fees

20% of original debt

Other Fees


Cancellation Policy

Not disclosed

Money-Back Guarantee Policy


Guardian Debt Relief Application Process

Applying for debt relief through Guardian Debt Relief is a simple process that takes just five steps.

  1. Get a FREE financial analysis. Call or fill out the form online to get a free financial analysis from a certified debt specialist. If you are approved for the program and sign the agreement, you will move on to step 2.
  2. Start making monthly payments. You’ll create an account with Global Client Solutions and deposit your monthly payments in that account. Global Client Solutions is the “middle man” between you, your creditors, and Guardian Debt Relief.
  3. Guardian Debt Relief will contact your creditors on your behalf. This both shows your creditors that you are taking steps to pay them back and it stops debt collectors from calling you.
  4. Guardian Debt Relief will negotiate a settlement with your creditors. This will happen once you have deposited enough funds into your Global Client Solutions account.
  5. Guardian Debt Relief will use the funds in your account to pay off your debts once an agreement has been reached. This typically happens within 24-48 months of beginning the program.

Guardian Debt Relief Customer Experience

Similar to other comparable debt relief programs, Guardian offers applicants an option to contact a company representative over the phone or enroll online. The company provides all the needed information on their website, and phone customer service representatives are friendly and helpful.

  • Website Extensiveness & Usability. Guardian’s website is informative and easy-to-use. It covers the program in detail, outlines required qualifications and the procedure, and provides numerous useful resources.
  • Expanded Call Center Support. If you have any questions or concerns, you can contact Guardian representatives via phone, email, or by filling out a contact form on their website. The company offers separate phone lines and email addresses to current and potential customers.
  • Multi-Channel Support. In addition to phone and email, you can connect with Guardian Debt Relief through Facebook or Twitter.
  • Supplemental Support (Information & Tools). Guardian has a convenient online client portal, where you can track your payments in real-time. The website also features a useful FAQ section, a quick budget calculator, and an informative news section.
  • Mobile Technology. You can sign in to the client portal from your phone or tablet at any time.

Guardian Debt Relief Trustworthiness and Stability

Guardian Debt Relief is a trustworthy, award-winning company that offers legal debt settlement solutions. With 10 years of industry experience, it has earned an A+ rating from Better Business Bureau and was ranked among top 10 debt consolidation companies in 2019.

The company is certified by both the International Association of Professional Debt Arbitrators and the American Fair Credit Council. These are the highest accreditations in the debt relief area, which means that you are in good hands with Guardian.

Years in Business


Customers Serviced / Debt Managed

Not disclosed

Certifications and Memberships

International Association of Professional Debt Arbitrators

American Fair Credit Council

Guardian Debt Relief User Reviews

While Guardian Debt Relief has earned an A+ rating on BBB, its reviews are rather mediocre on both BBB and Trustpilot. Averaging at 3.0/5 onTrustpilot and 2.71/5 on BBB, Guardian Debt Relief reviews are split between excellent and terrible. 

Happy clients highlight simple processes, impressive results, and impeccable communication. Guardian customers also seem to love the online client portal and the professional assistance in establishing affordable monthly payments. Negative reviews, on the other hand, mainly focus on high service fees and debts not being paid.

Guardian Debt Relief Compared to Other Companies 

When comparing Guardian Debt Relief to competitor companies, the fees and minimum debt requirements are rather similar. As such, Guardian Debt Relief, National Debt Relief, and Freedom Debt Relief require a minimum debt of $7,500 to join their programs and charge a settlement fee averaging at about 20% of the enrolled debt amount. The average relief amounts are similar, as well: both Guardian and National Debt Relief promise to reduce the original amount owed by about 30% after all fees.

It is worth pointing out that Guardian does not offer a money-back guarantee. So, if they settle your debt for more than 80% of your enrolled amount, you will end up in the minus. Freedom Debt Relief, on the other hand, offers to refund its fees if the total settlement costs exceed the original debt.

Guardian Debt Relief

National Debt Relief 

Freedom Debt Relief

Minimum debt required





Upfront fee: None

Settlement fee: 20% of original debt

Upfront fee: None

Settlement fee: 15%-25% of original debt

Upfront fee: None Settlement fee: 18%-25% of original debt

Cancellation Policy

Not disclosed

Can cancel anytime without penalty

Can cancel within 3 days without penalty

Money-Back Guarantee Policy


Not disclosed

Service fee refund if the total cost to settle the debt (with fees) is more than original debt

Average Relief Amount

Reduction of 20%-40% in original debt, after fees

Reduction of 30% in original debt, after fees

Not disclosed

Final Thoughts

Guardian Debt Relief is a legitimate debt settlement company offering reliable debt negotiation services and financial education to ensure that you are set for a safe financial future. If you qualify to become a Guardian client (namely, you live in one of the 14 serviced states and owe at least $7,500 in unsecured debt), you can benefit by reducing the total amount you owe and setting monthly payments that you can actually afford.

As mentioned in this Guardian Debt Relief review, expect the settlement fees to be about 20% of your total debt amount. However, this is true with any debt relief service provider.

Tetiana Sitiugina

Written by: Tetiana Sitiugina

Financial Sector Specialist and Content Strategist

Independent writer, content strategist, and financial sector specialist. Tatiana has an extensive experience in working with financial institutions such as Bank of Canada and Risk Management unit at FinDev Canada. She holds an MA in Financial Risk Management from the University of Toronto.

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Sarah Brooks

Reviewed by: Sarah Brooks

Personal Finance Writer and Editor

Sarah Brooks is a personal finance writer and editor with more than 10 years of experience. She specializes in personal and business loans, mortgages, auto loans, and credit cards.

More about me
Thomas Brock

Fact checked by: Thomas Brock

Chartered Financial Analyst (CFA) and a Certified Public Accountant (CPA)

Thomas is a well-rounded financial professional, with over 20 years of experience in investments, corporate finance, and accounting. He currently oversees the investment operation for a $4 billion super-regional insurance carrier, maintaining a dynamic investment policy designed to preserve capital, enhance...

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