The process was fairly simple The process was fairly simple, Orlando was super friendly and knowledgeable and helped me through the entire process. I would recommend this service to anyone! C, from Nashville, TN

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.

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!!!

excellent customer service One word to describe my experience with this company is immediate. I immediately saw action being taken to help with my account and always feel that someone is there to inform about every little thing. No matter how many questions or inquiries I have , someone is always there to help and make sure I know 100% of what is going on. With that being said I saw immediate result in action which helped my credit tremendously. thank you

Guardian This is my second time getting in debt trouble. First time I used Freedom. They charge more and make you feel like you are worthless. Here on the other hand I felt like I can get all my questions answered and settlements wereally done quicker and for lower %.