Guardian is a rip off Guardian is a rip off. If you haven’t tried their service, please don’t. They charge excessive fees and pay your creditors basically nothing on your accounts. The excessive fees that Guardian charges could be applied to your creditors accounts. I deposited over $3000 in an account with Forth. Guardian paid less than $1,400 on my accounts and charged me over $1,600 for fees. Again, a total rip off.

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

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!!!

BEWARE!!! As others have stated BEWARE!!!! They called me every month and told me they were handling. I had delinquent notices that I sent to them, they continued not to pay any accounts. I was sued and sent them paperwork! Yup DEFAULT judgement meaning no reply. I have one charged off. My credit worse than UGLY. They do not help your situation!

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