Are you struggling under the weight of high-interest debt? Are credit card bills piling up? Facing debt collector harassment? You’re not alone. Millions of Americans are dealing with overwhelming debt right now. Guardian Debt Relief
Fortunately, there are reputable companies like Guardian Debt Relief that provide professional services to help you find financial freedom. In this comprehensive guide, we’ll explain everything you need to know about Guardian Debt Relief and how they can help you get out of debt for good.
What is Guardian Debt Relief and How Can It Help You?
Guardian Debt Relief is a leading debt settlement company that negotiates with your creditors to reduce your debt balances. Their experienced debt experts work on your behalf to get your interest rates and monthly payments lowered, reduce fees, and ultimately settle your debts for a fraction of the original amount owed.
The primary benefits of using Guardian Debt Relief include:
- Expert Negotiators on Your Side
Their knowledgeable debt specialists know how to negotiate with creditors to get optimal settlements on your behalf.
- Lower Interest Rates
They can often get your interest rates reduced dramatically or eliminated.
- Save Money
Guardian Debt Relief clients save on average 30-50% off their original debt balances through settlements.
- Consolidate Multiple Debts
They consolidate all your debts into one monthly payment to simplify your finances.
- Stop Creditor Harassment
Once you begin their program, creditors can no longer contact you and you get peace of mind.
- Avoid Bankruptcy
Debt settlement is often a better alternative than filing for bankruptcy, which damages your credit badly.
Professional debt relief services lead to better outcomes than trying to negotiate with creditors yourself. Guardian Debt Relief levels the playing field and helps you take control of your financial situation.
Do You Qualify for Guardian Debt Relief?
To be eligible for Guardian Debt Relief’s debt settlement program, you’ll need:
- At least $7,500 in unsecured debt (credit cards, medical bills, personal loans etc.)
- Steady income to cover living expenses and debt payments
- A debt-to-income ratio over 40%
They provide debt relief services in all U.S. states except Iowa and West Virginia. Your credit score or past hardship with debt does not disqualify you.
The best candidates for debt settlement have:
- Good faith intention to pay off debts but are financially overwhelmed
- Fallen behind on payments and receiving calls from creditors
- Debt from credit cards, medical bills, or personal loans (not student loans)
Ultimately, if you have legitimate debt you can’t continue paying at the current terms, Guardian Debt Relief can provide the help you need.
How Guardian Debt Relief Negotiates with Your Creditors
The debt settlement process involves stopping payments to creditors so Guardian Debt Relief can negotiate with them directly. This gives them leverage to secure favourable settlements.
Their negotiating tactics include:
- Highlighting your financial hardship and inability to pay
- Offering lump-sum settlements (typically 20-50% of the balance)
- Threatening bankruptcy as an alternative if no deal is reached
- Leveraging settlements with some creditors to build goodwill with others
- Drawing out negotiations over several rounds to wear down creditors
On average, Guardian Debt Relief can settle debts for around 30-50% less than the original amount owed. For example, they may get a $10,000 credit card balance reduced to $4,000 – $5,000 settled. This saves clients thousands of dollars off what they would pay otherwise.
The Debt Relief Process Step-By-Step
If you decide to work with Guardian Debt Relief, here is the process you can expect:
- Free Consultation
They will review your financial situation in detail to create a customized debt relief plan.
- Client Setup
Once hired, you’ll provide details on income, expenses, creditors, and debts to be included in the program.
- Stop Paying Creditors
Guardian will send letters informing creditors you cannot pay and to contact them going forward.
- Negotiations Begin
Over the following months, their experts will systematically contact creditors and negotiate reduced payoff amounts.
- Settlements Finalized
As lump-sum settlements are reached, they will ensure the new terms are formalized in writing by creditors.
- Become Debt Free
After all your accounts are settled, you will be officially debt-free aside from any monthly fees still owed.
- Rebuild Credit
They guide how to begin rebuilding your credit score once all debts are eliminated.
The process normally takes around 24-48 months but can vary depending on your specific debts and financial circumstances. They will provide support each step of the way.
What Does It Cost to Work With Guardian Debt Relief?
They use a pay-for-performance model so their fees are contingent on getting you results. Their pricing includes:
- Initial Consultation – Free
- Setup Fee – Ranges from $395 to $995 depending on the debt amount
- Monthly Maintenance Fees – From $99/month minimum
- Settlement Fees – 15-25% of each debt amount negotiated
So their total fees depend on your specific debt situation. But on average, Guardian Debt Relief customers pay around 16-20% of their total enrolled debt.
Many clients feel this is worthwhile given the dramatic debt reductions and savings achieved. It’s also possible to negotiate Guardian Debt Relief’s fees if needed. Compare this to the endless interest and fees you’d pay creditors otherwise.
Guardian Debt Relief Reviews and Reputation
With over 15 years in business and an A+ rating from the Better Business Bureau, Guardian Debt Relief has a strong reputation and record of satisfying clients.
Here are some highlights:
- Over 750 5-star reviews on Google and Trustpilot
- BBB accredited since 2007, A+ rating
- Member of the American Fair Credit Council
- No consumer complaints filed with BBB in the past 3 years
Positive reviews praise their caring staff, expertise in negotiating with even the most difficult creditors, and the thousands in savings achieved. It prides itself on a patient, compassionate approach to helping clients achieve financial freedom.
Is Guardian Debt Relief Right for You?
If you have unsecured debt exceeding $7,500 and are struggling to keep up with minimum payments, they may be your answer. Debt settlement makes the most sense for those who:
- Have already fallen behind on debt payments
- Are receiving frequent calls from collectors
- Cannot qualify for additional credit or loans
- Want to avoid bankruptcy
That said, debt relief does have drawbacks like temporarily damaged credit and ongoing monthly fees. It’s smart to compare all your debt help options like credit counselling, consolidation loans, and even bankruptcy before deciding if is your best path forward.
But if you are committed to becoming debt-free at a fraction of what you owe, their track record speaks for itself. Over 15 years, they have successfully resolved millions in debt for thousands of satisfied clients.
Contact Guardian Debt Relief to Get a Free Debt Analysis
If you are ready to get out of debt and relieve financial stress for good, the first step is to contact them for your free debt consultation. Their experienced debt specialists will:
- Review your unique situation
- Explain your debt relief options
- Provide quotes for their services based on your needs
- Get started on the path to becoming debt-free!
Call them now toll-free at 1-800-997-7106 or request your free debt analysis online. Take control of your finances once and for all.
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