Saturday, November 7, 2026 · Customer reviews of US businesses
The Fair Hearing score
Average
53 reviews
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Honesty, pricing, process and quality scores appear once 5 customers have rated them.
Guardian Debt Relief is a top consumer-rated provider of debt settlement services, based in the heart of the Financial District in New York City.We provide an alternative to bankruptcy, credit counseling, and debt management. Through debt settlement, we have improved the financial situation of thousands of clients just like you.If you’re barely making ends meet because of outstanding debt, we’re here to help. Whether you’ve found yourself unemployed or underemployed, are already being hounded by creditors, have had a medical emergency, or you can only make minimum payments on your outstanding debts, we’ll work with you to figure out your best options.We’ve helped thousands of people regain control of their finances and their lives and we can help you too!
Guardian Debt Relief (guardiandebtrelief.com) has 53 customer reviews on The Fair Hearing, with an average rating of 3.9 out of 5.
53 approved reviews, newest moderated first
I sent Guardian over $10,000.00 last November to pay off all my accounts I had sent to them. I came into some money and wanted everything paid off. There has been only one or two that have been paid and nothing has been paid on the others. I even paid one off myself. This is ridiculous. What is happening with the money I sent. BEWARE! DON'T EVEN CONSIDER USING GUARDIAN.
By Kathleen
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.
By DOUGLAS J.
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
By david B.
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!!!
By PJN
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!
By Anne N.
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
By Carlos A.
The gentleman I spoke with was polite and helpful. He better explained the process and payment negotiations.
By George W.
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.
By Samantha H.
