Have you defaulted on your debts?
Real Legal Help for Real Debt Problems
Armed with the legal firepower you need to level the playing field, Guardian Litigation Group helps individuals in financial hardship turn overwhelming debt into relief, and we can’t wait to help you too.
Give us a call at (949) 516-7134
Legal Protection Built In
Legal representation from day one, at no additional cost to clients seeking debt settlement services
Pay Off Debt for Less
Settle accounts for a fraction of the balance and finally move forward
end the harassment
Put an end to relentless calls and threats from collectors
Guardian Litigation Group is the real deal
“If you’ve got collectors breathing down your neck and you’re drowning in credit card debt, you don’t need another “debt relief company” trying to sell you sunshine and unicorns. You need real help. And Guardian Litigation Group is the real deal.”
-Dave Ramsey
Personal Finance Expert, Best-Selling Author, & Co-Host of The Ramsey Show
Guardian Litigation Group is the real deal
“If you’ve got collectors breathing down your neck and you’re drowning in credit card debt, you don’t need another “debt relief company” trying to sell you sunshine and unicorns. You need real help. And Guardian Litigation Group is the real deal.”
-Dave Ramsey
Personal Finance Expert, Best-Selling Author, & Co-Host of The Ramsey Show
Backed by America’s Most Trusted Financial Voice
Dave Ramsey has dedicated his career to helping people take control of their finances. Guardian Litigation Group builds on that mission by providing legal services to those in financial hardship by settling debts, defending clients in debt lawsuits, and making sure debt collectors don’t get away with abusive tactics.
Give us a call at (949) 516-7134
We Serve clients nationwide
Guardian Litigation Group is a national law firm with 25+ attorneys defending clients in 47 states. To date, we’ve served 55,000+ clients and settled $600M+ in unsecured debts.
*We are unable to assist in Oregon, Minnesota, and Wisconsin
How are Client-Focused legal services Work
Step 1: Free consultation with our legal onboarding team
It starts with a conversation, not a contract. Our experienced intake specialist discuss your situation, whether it involves unpaid credit cards, an active lawsuit, or repeated collection calls.
Step 2: Personalized Legal Strategy Built Around You
Our attorneys outline a path that fits your circumstances. This may involve reducing debt through settlement, defending you in court, or using federal law to stop illegal collection practices. Each option is explained in plain terms so you know exactly how it addresses your problem.
Step 3: Fighting for the Best Outcome
Once your plan is in place, we take action. That includes negotiating with creditors, representing you in front of a judge, or holding collectors accountable. Our focus is on achieving the strongest result possible so you can move forward with greater control and less stress.
Still have questions? Give us a quick call at (949) 516-7134
The Guardian Advantage
At Guardian Litigation Group, we’ve built a law firm that steps in where others won’t, protecting clients’ rights and fighting to secure their financial futures.
Real Attorneys on Your Side
Every case is handled by our licensed attorneys, not outsourced help.
Protection from Aggressive Collectors
Our team challenges unfair practices and fights to keep your wages and bank accounts safe.
Stop Automatic Judgments
We take immediate legal action so collectors can’t win by default.
Clear And Honest Guidance
No hidden fees, no false promises—just straightforward legal help.
Nationwide Law firm
Licensed attorneys protecting clients across the U.S.
Built on Trust, Backed by Results
Discover why over 55,000+ clients chose Guardian to defend them against creditors
Frequently Asked Questions
Disclaimer: This information is for educational purposes only and should not be taken as legal advice. Every case is different. If you’re facing a legal issue, please reach out to us to discuss your specific situation.
Debt collection defense in a lawsuit means responding directly to the case filed against you. The first step is filing an Answer with the court, which prevents a default judgment that would automatically favor the collector. From there, defenses may include challenging whether the collector has legal standing, whether the debt amount is accurate, or if the claim is barred by the statute of limitations. By raising these defenses in court, you force the collector to prove their case rather than winning automatically.
No. Owing money is not a crime, and you cannot go to jail just for being unable to pay. However, ignoring a legitimate lawsuit or court order can create legal risks that go beyond the debt itself.
If a creditor sues you and the court orders you to appear or provide information, failing to respond can lead to a contempt of court warrant, which is what sometimes results in arrest (not the debt itself).
That’s where Guardian Litigation Group steps in. Our attorneys make sure you never face court alone, protect your rights, and handle all communication with the court and opposing counsel. When you have Guardian on your side, you’re defended from the start — before things ever reach that point.
Typical estimated program length can vary from 24 – 40 months; however, it really depends on your ability to save the funds that will satisfy the amount of your settled debts. We will start assessing your accounts as soon as you enroll but the time it takes to start the settlement process will depend on a variety of factors including the amount of debt, how many payments you have missed, the type of creditor, and more. This is key to providing you the best settlement even if it takes time.
In Guardian’s Debt Resolution Program, you will agree to save a fixed amount of money each month. This is based on the total amount of debt you enroll.
We will start assessing your accounts as soon as you enroll but the time it takes to start the settlement process will depend on a variety of factors including the amount of debt, how many payments you have missed, the type of creditor, and more.
Once our team reaches a settlement agreement with your creditor, a formal offer letter will be sent to you for your review & approval.
Yes, creditors can file a lawsuit if debts go unpaid, and this can happen to anyone—whether or not they’re enrolled in a debt relief program. At Guardian Litigation Group, we provide legal representation at no additional cost to protect you in these situations.
Unlike other debt relief programs, WE ARE A LAW FIRM and our team of dozens of attorneys are ready to defend your rights and negotiate with creditors to help prevent or respond to legal actions.
With Guardian on your side, you’re fully supported every step of the way, from responding to lawsuits against your enrolled accounts, communicating with Plaintiff’s counsel and courts, and appearing in court, we will fight for you!
The program is designed for those in financial hardship who are falling behind or having problems making minimum payments to creditors on their unsecured debts. Your credit may decrease for a short period of time but the goal of our program is to eliminate your debts to give you a fresh start while avoiding bankruptcy.
Once the program is completed, we encourage you review the accuracy of accounts on your credit report and that you continue healthy financial habits.
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