Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:11/05/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This is November and since February they collect 367 dollars a month for a total of 3200 dollars then came up with a settlement out of nowhere just so they can collect a fee and not lose any money from collecting my money every month so now they extorted over 600 dollars saying they completed a service that I have to accept and they are a bunch of crocks I just wanted my money back that I was owed

  

  Business Response

  Date: 11/10/2025

  Dear BBB,
  
  Guardian Litigation Group appreciates the opportunity to respond to Mr. ******** concerns and provide clarification regarding his account.
  
  Mr. ******* retained Guardian in April 2024 to provide legal services related to his unsecured debts. Shortly after engagement, our firm successfully negotiated a settlement resolving his largest debtachieving a significant balance reduction and meaningful financial relief.
  
  At the time of disengagement, Mr. ******* had not yet paid our firms earned contingency fee associated with that completed settlement. The $600 he references was applied toward the legal fee that became due once the settlement was finalized and accepted. This fee structure was fully disclosed in his signed engagement agreement and explained during his recorded quality control call.
  
  Guardian performed all services as agreed and delivered a favorable result on his behalf. While we regret that Mr. ******* feels dissatisfied, our firm acted in full compliance with the terms of representation and remains willing to discuss his file directly should he wish to review it further.
  
  Sincerely,
  Guardian Litigation Group

• Initial Complaint

  Date:11/04/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company contacted me promising debt relief from a credit card bill that got out of hand. They did nothing and allowed interest to accumulate until I took matters into my own hands. **************** made it very difficult to cancel and refused to refund my money as promised until I threatened them, making me explain many times over and over why I wanted to cancel essentially trying to wear me down asking "why did you contact us if you don't want our service " etc with a smug, condescending attitude. An awful company, do not waste your time or money!

  

  Business Response

  Date: 11/06/2025

  Dear BBB,
  Guardian Litigation Group appreciates the opportunity to respond to Mr. ******** concerns.
  Mr. ******* retained our firm in October 2025 to assist with an unsecured debt and made a single months deposit before choosing to cancel his engagement. No fees were charged, and no funds were retained by Guardian.
  We reviewed the recorded cancellation call, and our representative remained courteous and respectful throughout. The questions asked were part of our normal process to confirm intent and ensure clients fully understand their options before finalizing a cancellation.
  We regret that Mr. ******** experience left him feeling dissatisfied. Guardian acted appropriately and in accordance with the agreement, and we remain happy to discuss his file directly should he wish to reconnect.
  Sincerely,
  Guardian Litigation Group

• Initial Complaint

  Date:10/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a federal employee and j am not currently being paid. I need automatic payments turned off until the *** reopens as I have no money to make my payments

  

  Business Response

  Date: 10/22/2025

  Dear BBB,
  
  Guardian Litigation Group appreciates the opportunity to respond to Ms. ******** concerns.
  
  Shortly after Ms. ******* retained our firm, we successfully negotiated settlements resolving more than 80 percent of the debt she engaged us to assist withachieving substantial savings and strong early progress toward her goal of becoming debt-free.
  
  We understand that Ms. ******** current financial hardship has made it difficult to continue scheduled deposits. Our team has already attempted to reach her multiple times and will continue to do so to discuss available options. Guardian remains committed to supporting Ms. ******* during this temporary hardship and helping her maintain the significant progress she has already achieved.
  
  Sincerely,
  Guardian Litigation Group

• Initial Complaint

  Date:10/07/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Guardian litigation sent a letter to my home with a code in it and the letter mentioned the State of Kansas was offering a debt relief program I was selected for. I called and was informed on the program. They gathered my information im regards to my debts, my salary and other information. From there, they calculated that with a monthly payment of 700 dollars I would be able to enter their program and pay of all my debt within a couple of years. They calculated this amount because they used their supposed average settlement rate. They also never mentioned the 27% fee they charge for every settled account. I started paying the 700 dollars and then it turned out they asked me for more funds once which I agreed to and **** they asked me for another payment increase totaling 2500 dollars!! They mentioned they werent able to get anything close to a 55% settlement offer on any of my accounts yet I still had to pay the 27% performance fee. I got sued by the creditor because Guardian litigation waited to long to settle certain accounts. My credit dropped to the lowest its ever been. I cannot pay 2500 per month to keep up with their performance fees which has been nothing but abysmal. My claim is for them to honor the 55% settlement fee I was informed on when joining the program and lower their performance fees. Also their Forth Portal which is where you see the transactions stopped showing any information about the transactions themselves and I dont know where my money is going towards.

  

  Business Response

  Date: 10/10/2025

  Dear BBB,
  
  Guardian Litigation Group appreciates the opportunity to respond to Mr. ********** concerns and clarify several important points.  First, Guardian does not send mailers containing special codes or references to government or state programs. Any letter Mr. ********* received that mentioned a State of Kansas debt relief program did not originate from our firm or an authorized marketing partner.
  
  Mr. ********* verbally acknowledged and agreed to Guardians contingency-based fee structure during his recorded quality-control call, again in his signed engagement agreement, and once more in the welcome package and onboarding call he completed at the start of his representation. As clearly disclosed, Guardians contingency fee is earned only when a settlement is successfully negotiated.
  
  Mr. ********* was informed that the settlement rate he referenced was an estimatenot a guaranteeand that individual creditor outcomes vary. Despite creditor litigation, Guardian has successfully negotiated settlements on his behalf and has also provided legal defense in court proceedings.
  
  To further assist Mr. ********** Guardian has already reduced its contingency fee to support his progress toward resolution. A supervisor will be reaching out to ensure he can access his online account and fully review how his deposits are applied toward settlements, legal services, and creditor payments.
  
  Guardian remains committed to transparency, to helping Mr. ********* achieve meaningful debt relief, and to addressing any questions he may still have directly.
  
  Sincerely,
  Guardian Litigation Group

• Initial Complaint

  Date:10/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is supposed to help repair credit and offer a consolidation loan. I was told to make 6 on time payments and that I was approved for ******+ for a loan to pay off my debt. I was making payments until I noticed a missed payment due to them taking the money at 2am before my check hit the account. They were supposed to make changes to insure the payments weren't missed. They failed the change and continued to try and debt my account before my check hit. Everytime a payment is missed your 6 months starts over and you don't get approved for your loan. I believe this to be a scam, and now I have to pay 1890$ to cancel because I received 1 settlement that I've been making payments on. The communication is poor and they don't take responsibility for their mistakes. I tried to resolve the problem by insuring on time payment dated with no resolve without having to start over.

  

  Business Response

  Date: 10/10/2025

  Dear BBB,
  
  Guardian Litigation Group appreciates the opportunity to respond to Mrs. ****** concerns and provide clarification regarding her account.
  
  Mrs. ****** retained Guardian approximately four months ago to provide legal services related to her unsecured debts. In that short time, our firm has successfully negotiated settlements resolving about 40 percent of the debt she engaged us to assist withplacing her well ahead of schedule while she is only about 10 percent into her estimated term. Our services have provided meaningful balance reduction and real financial progress.
  
  Its important to clarify that Guardian is a law firm, not a debt-consolidation company or lender. We do not provide or guarantee loans, consolidate debt, or offer credit repair services. Any mention of a loan refers to a separate, independent third-party lender whose criteria are outside our control.
  
  All deposits are administered by Forth Pay, the independent administrator of her set aside savings account. Forth has processed Mrs. ****** payments according to her signed agreement. Guardian has worked quickly to preserve her settlement progress despite deposit issues.
  
  We also note that on October 8, 2025, Mrs. ****** confirmed that she agreed to the updated deposit schedule. Our team will be reaching out again to reconfirm those details and make sure her file continues smoothly. Guardian remains fully committed to supporting Mrs. ****** and helping her stay on track toward becoming debt-free. We welcome the opportunity to continue working with her and to address any remaining questions directly.
  
  Sincerely,
  Guardian Litigation Group

• Initial Complaint

  Date:08/29/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On several occasions I have tried to get everything resolved with this company. I do regret ever believing they were going to help me because I was having severe hardships. I was under the impression that this program would help me instead the only thing it has done is caused me added stress I have asked several times for our conversations to be reviewed so that I know whether I misinterpret things or not. I have been assured on more than one occasion that the person I was talking to would expedite and keep on top of my concerns. None of this has happened. Last week I called with several questions and never heard anything and I had to call on Wednesday to get an update and received nothing. Was assured again that a manager would get back to me and still have not heard anything. I have a debt in negotiation but that has been for several months now and received 2 calls that they have a great offer and then radio silence. They asked for more money $30 for 4 months and everything would be cleared, I asked that conversation to be reviewed and nothing. Then a week later received almost the same call but this time asking for $45 extra for four months. Asked for an explanation and nothing. This does not seem the way to do business. I feel scammed and that I cannot trust anyone at this company. Out of only two debts resolved after all the fees I have only saved myself around $850.00 but that is not even what is bothering me the most at this time its the lack of communication and promises broken and no accountability at all. I do regret trusting in a company that has no integrity.

  

  Business Response

  Date: 09/03/2025

  Dear BBB,
  Guardian Litigation Group appreciates the opportunity to respond to Ms. ******** complaint and provide clarification regarding her account.
  
  Ms. ******* retained Guardian to provide legal services related to her unsecured debts. To date, our firm has successfully negotiated settlements resolving approximately half of the debt she engaged us to assist with. These results provided her with meaningful savings and represent substantial progress toward resolving her obligations.
  
  With respect to the remaining account referenced in her complaint, our ability to advance that negotiation has been severely hindered by Ms. ******** repeated reductions in her monthly deposit. Her current contribution is approximately half of what it was at the start of her engagement. While this reduced deposit is sufficient to maintain her existing settlements, it does not generate the necessary funds to support new resolutions at this time.
  
  It is important to clarify that Guardian cannot compel creditors to accept terms outside of what can be funded by the clients dedicated savings. Additional settlements depend on having sufficient resources available, and with the reduced deposit, we are unable to finalize the remaining account until adequate funds accumulate.
  
  Our supervisory staff has been in contact with Ms. ******** including as recently as this week, and we encourage her to continue communicating with us so we can work together on strategies to increase her available funds and move her final account toward resolution.
  
  Guardian has acted in full compliance with the engagement agreement and remains committed to achieving the best possible outcomes within the framework of the clients own contributions.
  
  Sincerely,
  Guardian Litigation Group

  Customer Answer

  Date: 09/03/2025

  Any time that the amount has been reduced and I made it clear that I do not want it reduced if it would effect anything and I was assured that it would not.  Also please not that the majority of the time that I have spoken with Guardian I have made the first call.  At no point has an official offer been made to me regarding the Prosper account.  when I ask that I be sent something in writing I am told this is not possible.  I have asked them to review the phone conversations and my frustration on numerous times and until yesterday when a manager finally spoke to me was I explained anything regarding my current deposits.  Also the last reduction that was made I never asked it to be dropped that much and I was under the assumption it was going to be $250 biweekly and it turned out that the first week it was kept at $350 when I called and explained they only took out $207.90.  So I reject this answer from Guardian and again say that I was assured that when they did reduce my deposits that it would not effect my current debts or my future negotiations.   So putting the blame on me is not what a company should do.  I wish I could provide documentation but they never send me anything in writing and although I have asked for a transcript of my conversation it has never been provided.  I have also admitted to them that I might have misinterrupted some things but I do know that I did not misinterrupt them telling me that any reduction will not affect anything.

  

  Business Response

  Date: 09/10/2025

  Dear BBB
  Guardian Litigation Group appreciates Ms. ******** additional comments. We regret any misunderstanding regarding the impact of deposit changes and apologize if the impacts were unclear. Reduced contributions limit the ability to fund new settlements, and while our representatives explained this, we understand Ms. ******* feels otherwise. Of note, Ms. ******* has not resumed the deposit schedule she agreed to in her original engagement agreement. 
  Any reduction in deposits necessarily impacts our ability to successfully resolve open debt accounts. We remain committed to open communication, transparency, and achieving the best possible outcomes for Ms. ************************************************

  Customer Answer

  Date: 09/15/2025

  i only want this resolved and I have asked numerous times for the recorded sessions to be listened to as what I was told.  I would appreciate Guardian taking responsibility for the miscommunication and making it better.  I do not appreciate it being implied that I am the cause of the last debt being resolved.  Every time that I asked about the reduction I specifically said that I did not want it to impact anything present or future.  For a program that I originally thought cared about the situation that I was in has proven that all they care about is making sure that they received their money.  And while I respect that as any business has to I do not feel that it should impact the financial situation of the person who is trying to make things better.  When my arrangement first started the $410.00 was based on more debt.  I pulled a couple of the cards out of the program because it was not getting resolved fast enough.  So when the first reduction came about I felt that it was ok because of this but anything after that I stated I did not want it to affect anything I just wanted to understand.

  And by the way it just happened again with the last two people I talked to so you do not even have to go back that far.  And still I wait for word about a settlement that was in the works.

   

• Initial Complaint

  Date:08/28/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In October 2024, I was contacted by Guardian Litigation Group about debt consolidation services. During my initial call, I specifically asked the representative if there would be additional fees taken out of my account on top of the monthly payments. He explicitly stated no, and reassured me that Guardian did not operate like other companies that misled consumers with hidden fees. Based on this assurance, I agreed to enroll and began making payments of $350 per month, which I continued faithfully for seven months.Unfortunately, despite my payments, I saw no progress in reducing my debt. I was eventually left with no choice but to file for bankruptcy in July 2025. At that time, I called to cancel the service. I was told I would receive a refund of $200, which I considered minimal but at least something. However, after a month with no refund check, I called again and was told that Guardian kept the $200 as fees directly contradicting what I was promised when I signed up.I feel misled, deceived, and taken advantage of. The representative blatantly lied to secure my enrollment, and Guardians shifting explanations have left me with nothing after paying over $2,400 into a service that provided no relief.Resolution Sought:A refund of the funds I paid into the program, or at minimum, the $200 I was promised.Accountability for the misleading information provided by Guardians representatives.Assurance that Guardian will not continue predatory practices that harm vulnerable consumers seeking debt relief.I trusted Guardian Litigation Group during a financially difficult time, and instead I feel preyed upon. I respectfully request that this complaint be resolved fairly

  

  Business Response

  Date: 09/03/2025

  Dear BBB:
  
  Guardian Litigation Group appreciates the opportunity to respond to Ms. ******** complaint and provide clarification regarding her account.
  
  Ms. ******* retained Guardian in October 2024 to provide legal services related to her unsecured debts. It is important to clarify that Guardian is not a debt consolidation company and does not administer loans or financial products. Our firm provides legal negotiation, litigation defense, and risk mitigation strategies to resolve unsecured debt obligations.
  
  Within the first six months of her engagement, Guardian successfully negotiated settlements resolving nearly half of the debt Ms. ******* retained us to assist with. These settlements saved her thousands of dollars and were secured while she was only approximately 15% into her estimated engagement term. This early progress demonstrated that her program was on track and advancing meaningfully.
  
  We regret that Ms. ******* ultimately elected to file for bankruptcy. However, Guardian acted in full compliance with the signed engagement agreement, and the services she retained us for were delivered as promised. The payments she references were applied toward settlements with her creditors and the associated earned contingency fees for those negotiated results.
  
  We also note that refund requests cannot apply to funds already disbursed to creditors or earned through successfully completed settlements. Guardian denies any misrepresentation or predatory practices and remains committed to transparency and professionalism in all client interactions.
  
  We regret that Ms. ******* feels her experience did not meet her expectations and wish her the best in moving forward with her financial circumstances.
  
  Sincerely,
  Guardian Litigation Group

  Customer Answer

  Date: 09/03/2025

  Guardians response does not address the central issues of my complaint:
  Misrepresentation at Enrollment  When I signed up in October 2024, I specifically asked if fees would be taken out of my payments. I was explicitly told no. That statement was false. Had I been told the truth, I never would have enrolled. Guardians response does not explain or deny this misrepresentation, it simply ignores it.
  Refund Promise and Retraction  When I canceled in July 2025, a Guardian representative told me I would receive a $200 refund. I waited over a month based on that assurance. Later, another representative told me I would not be receiving any refund after all. This shifting explanation shows a pattern of telling clients what they want to hear, then reversing later.
  Failure of Benefit  Despite paying $2,400, I was left with no meaningful relief from my debt and had no choice but to file bankruptcy. Whatever Guardian claims about settlements, the fact remains that I received no practical benefit for the money I paid, and was actively misled during both enrollment and cancellation.
  This is not a simple matter of contract interpretation. It is a matter of consumer deception and bad faith practices. Guardian may insist it acted in compliance with the agreement, but that does not excuse false and misleading statements made by its representatives, which directly induced me to sign the agreement and later prevented me from acting sooner when I was told to expect a refund.
  If Guardian continues to deny accountability, I am prepared to pursue further remedies through the ****, my state ************************* and legal channels for misrepresentation and unfair business practices.

  

  Business Response

  Date: 09/08/2025

  Dear BBB:
  
  Guardian Litigation Group appreciates the opportunity to provide further clarification in response to Ms. ******** concerns.
  
  With respect to her allegation of misrepresentation, Ms. ******* executed a detailed written engagement agreement in November 2024, completed a recorded quality control call, and received a comprehensive welcome packageall of which clearly disclosed our contingency-based fee structure. Guardian does not and did not promise services without fees. Our fees are earned only when a negotiated settlement is reached and approved, and they were assessed strictly in accordance with the agreement.
  
  Regarding the $200 refund, no unearned or unauthorized funds were collected. Any reference to a refund was made in error, and our team clarified that the deposits in her dedicated savings account were applied to settlements and earned legal fees. Guardian does not retain or refund funds already applied toward creditor resolutions or fees earned under the agreement.
  
  As to the benefit of our services, within approximately six months of engagement, Guardian successfully negotiated settlements resolving nearly half of the debt Ms. ******* retained us to assist with. These settlements saved her thousands of dollars while she was only about 15% into her estimated engagement term. While she later chose to file bankruptcy, that does not erase the tangible results already achieved during her representation.
  
  Guardian acted in full compliance with the signed agreement and delivered measurable results. While we regret that Ms. ******* feels dissatisfied, no refund is warranted. We remain willing to provide her with documentation of her settlements, fee calculations, and account activity should she wish to review them further.

• Initial Complaint

  Date:08/28/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  See uploaded documents

  

  Business Response

  Date: 09/03/2025

  Dear BBB,
  
  Guardian Litigation Group appreciates the opportunity to respond to Mr. ***** complaint and provide clarification regarding his file.
  
  Mr. ***** retained Guardian to provide legal services related to his unsecured debts. To date, we have successfully negotiated settlements resolving multiple accounts, including one that was paid in full and another under installment terms. These outcomes reflect meaningful progress toward the goals of our engagement.
  
  In April 2025, Mr. ***** was mistakenly advised by a representative that no additional deposit was needed after a failed transaction. This was not correct, and once identified, our team attempted to reach Mr. ***** on multiple occasions to clarify the situation and prevent any disruption to his settlements. Unfortunately, we were unable to make contact before the next scheduled deposit was processed.
  
  It is important to note that Guardian does not misappropriate client funds. All deposits are held in a dedicated savings account for the sole purpose of funding creditor settlements and paying earned legal fees under the signed agreement. Funds are not invested, diverted, or used for any other purpose.
  
  We regret the confusion caused by the miscommunication and remain committed to resolving Mr. ***** concerns. A supervisor will be reaching out directly to provide the clarification he has requested.
  
  Sincerely,
  
  Guardian Litigation Group

• Initial Complaint

  Date:08/26/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  8/11/25 Guardian Litigation on a recorded line confirmed that my new payment would be $270 and that no payment would be required for the month of August. It had taken four phone calls to get them to remove creditors that were paid in full from my account. The call was recorded and the customer service agent said no payment for August, in Sept my payment would be $270. On 8/11/25 Guardian ACH drafted $995.66. I did call into customer service and request ACH privilege be immediately revoked as well as a full refund. Agent said she cannot refund me because it is pending and even after she can refund me she can mail me a check. This is unacceptable and illegal. I asked for her to listen to the recorded call from 8/11 and agent refused to assist. I need my ACH from 8/11 refunded in full.

  

  Business Response

  Date: 08/29/2025

  Dear BBB, 
  
  Guardian Litigation Group appreciates the opportunity to respond to Ms. ********* concerns and provide clarification.
  
  After receiving her initial request, we informed Ms. ******* the change in her deposit amount would take effect on 9/23, and that her August deposit would process as normal. We apologize for any misunderstanding when relaying that information initially, but after reviewing our recorded calls we found that the correct dates were provided by our team.
  
  Ms. Colbergs funds are held in her account with Forth Pay and we cannot control their withdrawal policy, which is to issue withdrawals by check. However, it appears that ***** has already made an exception and scheduled an ACH withdrawal for her. We trust this addresses her concern and stand ready to assist as needed. 
  
  -Guardian Litigation Group

• Initial Complaint

  Date:08/20/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Guardian Litigation was supposed to help negotiate and pay down my debt. Addiitonally, at the time I agreed to the terms, I was told I would never be asked to pay more per month for my deposit than the agreed amount. In 4 months, Guardian only negotiated 2 accounts AND had the audacity to ask me to pay $300 more per month than the agreed amount. I received an offer from an alternate company to pay less per month for a shorter amount of time. Guardian refuses to refund my money, despite having done nothing to actually help me. They have HORRIBLE customer service and steal money from clients.

  

  Business Response

  Date: 08/25/2025

  Dear BBB:
  
  Guardian Litigation Group appreciates the opportunity to respond to Ms. ***** complaint and provide clarification regarding her account. Ms. **** retained Guardian at the end of May 2025 to provide legal services related to her unsecured debts. Within just two monthswhile she was only about 6% into her estimated engagement termour firm successfully negotiated settlements resolving nearly one-third of her enrolled debt. These resolutions saved her thousands of dollars, and importantly, she did not need to increase her monthly deposit to accept them.
  
  Additional settlement opportunities were later presented, which Ms. **** declined. These opportunities involved the optionnot a requirementto add funds to accelerate the resolution process. Choosing not to add funds does not prevent settlements from occurring; it simply allows them to proceed at the pace dictated by her existing monthly deposit schedule.
  
  It is also important to note that Guardian earns its contingency fee only when settlements are successfully negotiated. In Ms. ***** case, several debts were resolved at significantly reduced balances, generating substantial savings. As such, there are no funds available for refund, since the payments in question were applied toward creditor settlement payments and the earned legal fees associated with those results.
  
  Guardian has acted in full compliance with the signed engagement agreement. We regret that Ms. **** feels her experience did not meet her expectations and remain willing to review her file with her directly and provide further clarification if she chooses to reconnect.
  Sincerely,
  
  Guardian Litigation Group