DO NOT USE GUARDIAN - THEY LIE I was told that my debts were going to be negotiated in my behalf instead of paying. I was told NOT to pay my creditors. I was told my credit score would jump 80+ points after they negotiated settlements within 6 months and my monthly new low monthly payment would continue for 4 years. They only negotiated 1 settlement and my 'end loan' for the lower payment was denied. THEY LIE. THEY MISLEAD. THEY DO NOT DELIVER! They killed my credit!!!

HELLACIOUS!! beware! I ADVISE ANYONE FROM GETTING IN THIS PROGRAM!!! My husband & I joined last March and he was just SUED from a loan place for no payments!!! his case was at a freaking LAW OFFICE. Tamara is the customer service person who you will deal with and when she is taking your money she is so nice, but anytime you have concerns or want to take certain accounts out of your account with them, they are terrible and make you feel like crap when it is THEIR fault nothing is being paid. SINCE JOINING.- we had THREE charge offs. What was the point of us joining??? Three charge offs. For those wondering - it was with Bank of America, Capitol One, and Discover. Three very well known banks/creditors that Guardian advertises as some of their best 'clients.' Also, when you want to call any of your accounts that are in Guardian, they can't talk to you because of a cease and desist from Guardian. It was the worst decision we could have gotten in and we are just now back on our feet. We have had to pay over 1,000$ to each creditor just to CATCH UP!! If I could've left 0 stars I would have. This place needs to be shut down and SUED.

Good to deal with all professionals people It was the best decision I made when I called the Debt relief, they handle everything professionally and quick. I easily forget things but they always make sure I get things done on time. Everyone was so nice and helpful.

Excellent Service Guardian Debt Relief gave us peace of mind. We had sleepless nghts before but with the help of Guardian we are able now to manage positively our finances. The people behind it are really helpful and caring. Ms. Basima and Mr Felix helped us a lot. May your tribe increase. More power to Guardian.

Suspicious activity Been at this process with guardian litigation for 7 months. They did settle one account but that's all. Yesterday they called offering me a loan to pay off the others. Now I'm suspicious of the entire process. I'm really doubting the wisdom of letting my credit rating go through the toilet and trusting these people. Not real happy right now