As long as you make your payments on time and do your part they are sure to do there's

My account was settled two months after default. Their account rep was able to stop all the others from calling me while they are being settled.

Such a quick first settlement!!! Friendly staff always keeping in touch. Thank you!

I love the constant monthly updates and all of my questions have been answered promptly.

Would be rated at a 5, however I have been just a little tense because negotiations with creditors have been slow in progressing. However on the other hand I appreciate the continued support provided to resolve credit issues.

6 months in to the program, I found out today they haven't even contacted some of my creditors. I verified with at least two of them so far and these are two were the biggest accounts I needed help with and why I decided to go with them in the first place. When I called Guardian, I was told all the unsettled accounts are in the process of negotiation but no one can provide any status of when or if the contact was even made. So far, they have settled two of my cards, one for 70% and the other for 50% of total debt. After their 27% fee, I am not saving much. I don't have faith in this program anymore, it isn't worth ruining your credit score for about 10% savings. I am in a bigger financial mess now than when I started with them since my credit is now ruined. I do not recommend this process and this company to my family and friends.

They explained everything in detail and they work fast to get the best deal/offer that is best suited for me

Doing a great job so far. Very pleased

In just two months I have had two accounts settled and feel Positive moving into the new year that this will all be resolved soon

This Process Still Remains Very Easy! Every phone call is explained thoroughly with every question you may have answered. There are no hidden surprises or fees. I wish I had contacted Guardian a long time ago had I known the ease of everything being handled behind the scenes with you just making your payment.