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.

Great organization At first I was a little suspicious of such companies but it's all gone now. And so is my debt. Negotiators are very proactive and get great settlements. Customer service is also always very helpful.

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!!!

Always there to help I've been working with Basima thru different difficulties in our lives recently and they have been truly understanding of our needs. I would recommend Lifeline to anyone that is having to go thru the Debt Relief Program.

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.