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:06/20/2025

  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 raising a formal concern regarding the company's failure to uphold the terms and expectations communicated to me at the outset of our engagement. Specifically, I was assured that I would receive regular monthly calls to discuss the progress of my account. This form of communication ceased after approximately six months, without ************** particular, the handling of my **************** account raises serious issues. I received no communication regarding the status of this account until I was served with a lawsuit. Only after legal action was initiated did the company begin to contact me frequently, requesting that I remit $8,000.00 by the 10th of the month in order to resolve the matter.Despite a claim from the attorney involved that the account may have been closedan explanation I find wholly inadequatethe company had no difficulty withdrawing the $8,000.00 from my account. I then had to initiate contact with the attorneys assistant myself to determine where those funds had gone.Furthermore, on June 20, 2025, when I inquired about how I would be compensated for the failure to provide the agreed-upon monthly communication and overall lack of transparency, I was simply told that the company apologizes for the inconvenience. I find this response unacceptable and indicative of a disregard for the obligations owed to me under our agreement.This situation has caused me significant distress and financial strain, and I believe it constitutes, at minimum, a breach of contract and failure of duty of care. I am requesting a formal review of this matter and appropriate restitution for the damages caused by these failures.

  

  Business Response

  Date: 06/24/2025

  Dear BBB:
  
  We appreciate the opportunity to respond and clarify several important points regarding Ms. ******* file and the legal services we provided. Our engagement agreement does not include a guarantee of monthly phone calls. That said, our records show that we maintained contact throughout the representation, including status updates, settlement opportunities, and attorney communication during litigation.
  
  Regarding the **************** account: prior to the lawsuit, Ms. ******* available funds were already committed to other settlements we had successfully negotiated on her behalf. Without sufficient remaining funds, we could not pursue resolution of that account at that time. Once litigation commenced, her Guardian attorney appeared on her behalf and negotiated a court-approved settlement. The $8,000 referenced in Ms. ******* complaint was the required amount to fund that agreementnot a fee assessed by our firmand the terms were disclosed and authorized before any withdrawal occurred.
  
  We can confirm that all debts our firm was retained to resolve have now been settled. While we regret any frustration caused during the process, our team acted in good faith and in accordance with both the terms of our agreement and our professional responsibilities.  ************** and supervisory personnel stand ready to assist should Ms. ****** wish to review her file further .
  
  Sincerely,
  Guardian Litigation Group

• Initial Complaint

  Date:06/16/2025

  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.

  I paid the ***** of dollars they settled nothing, and gave me refund *****.They were supposed to help get out of debt. Now they stole all of my money

  

  Business Response

  Date: 06/23/2025

  Hi *****,
  Were sorry to hear that you were unaware of the work our firm performed on your behalf and appreciate the opportunity to clarify your concerns.  You retained our firm in July of 2024.  In August of 2024, we negotiated an aggressive settlement arrangement with one of your creditors, which you expressly authorized. 
  Unfortunately, that settlement was nullified due to missed payments earlier this year.  Prior to the nullification of the settlement, most of your deposits were applied to the settlement payments.  We were unable to contact you despite repeated attempts and had to disengage from the representation.  Should you require documentation on the settlement, please contact us, or access your Forth account online. 
  If youd like to discuss your case further, please dont hesitate to reach out to our support team directly. Wed be happy to walk through everything with you and wish you the best in getting debt free.
  The Guardian Litigation Group Team

• Initial Complaint

  Date:06/12/2025

  Type:Order 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 had gone through a difficult time and accrued substantial debt (30k) and couldnt recover. I reached out to Guardian Litigation in 2/2024 and agreed to have them settle my accounts. I had 5 outstanding accounts and I would pay $506 every month for 5 years. It seemed like a good deal until I realize that they only settle a couple of accounts at a time for pennies on the dollar with a pay off of in a year or so. They can only pay out to settled creditors the total monthly amount of $506 I pay each month which leave the other 3 accounts hanging for 2 years while they keep sending delinquent letters and calls. They also start to settle the lowest amount accounts first instead of the highest. They will only negotiate with the 3 remaining accounts once I have paid the first two. The other thing is no matter how much money they save you in negotiating a lower I am still on the hook paying $507 a month for 5 years which is the original 30k I owed a year ago. They keep whatever money that is left over.

  

  Business Response

  Date: 06/16/2025

  Dear Ms. ********************* you for your feedback. We understand that financial hardship can be overwhelming and appreciate the opportunity to respond and clarify. You retained our firm in February 2024 to assist you with well over $30,000 in unsecured debt over a 55-month estimated term. Just 15 months in, weve already resolved 58% of the debt you engaged us to assist withsecuring excellent negotiated outcomes that have already saved you thousands of dollars.
  
  You mentioned that we focus on the smallest accounts first, but that is incorrect. We negotiated your largest account first, followed by a mid-sized account. Your smallest account remains unresolved; we anticipate resolution as soon as your monthly savings plan allows for it.
  
  Your monthly deposit of $506 is substantially lower than your prior minimum payments. Making minimum payments can take decades to satisfy high interest credit card balances, at significantly higher cost. Your legal plan is structured to resolve these matters in approximately 4.5 years, with no added interest.
  
  As for fees, our firm charges a contingency-based legal fee only after achieving a successful resolution. We do not retain any unused funds. In fact, we have deferred over half of the fees earned on your resolved matters to reduce your early program cost and prioritize results.
  We remain committed to resolving your remaining matters as your funding allows. Our team is available to review your file and projected timeline at any time.
  
  Sincerely,
  Guardian Litigation Group

• Initial Complaint

  Date:05/08/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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.

  It has been over a year and they have not settled the largest debt. They also would not provide the lawyers communication from/to records.

  

  Business Response

  Date: 05/16/2025

  I wanted to reach out and let you know that complaint ID#: ********  has been resolved with the client. Would it be possible to clear out this complaint? I'd like to also add in that we have provided our written communication to the creditor and have relayed the settlement offers with that creditor to her.
  

  
  

  Customer Answer

  Date: 05/16/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ****** ******
  
   
  

• Initial Complaint

  Date:04/22/2025

  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 needed a company to help with a credit card that had high monthly payments. A *** from Guardian called me and offered help. They were charging me $400 a month and paying my creditor $100. They told me I needed to pay $500 a month after 10 months because I wasnt paying it off fast enough. I complained several times over the months because they were having different people speak to me. I was confused. The last time I tried to talk to them, a *** called me dirty names and was swearing. I am 76 years old and they took advantage of me.

  

  Business Response

  Date: 04/24/2025

  Dear BBB,
  
  Thank you for the opportunity to respond to this complaint. We are sorry to hear that Ms. ***** feels dissatisfied and appreciate the chance to clarify several important facts.  Ms. ***** retained our firm to negotiate and settle her unsecured credit card debt. Our services are not a loan or a consolidation planit is a legal service designed to reduce debt through negotiated settlements, as clearly disclosed during the consultation, in the signed agreement, and in our welcome materials.
  
  Approximately three months after she engaged our firm, we had already negotiated settlements covering about 25% of her total enrolled debt. This represents strong early progress and significant savings.  The monthly deposit she referenced included two parts: a portion allocated to future settlements and a portion applied toward earned legal fees. At no time was she required to increase her monthly deposit. Rather, we offered her the option to do so to expedite resolution of her remaining debts, which was entirely voluntary.
  
  We take allegations of misconduct very seriously and act on them immediately. After reviewing the call she mentioned, we can confirm our representative did not swear at her, but his conduct failed to meet our expectations, and we have already taken aggressive action to address it.  To ensure Ms. ***** concerns are fully addressed, a supervisory team member will be reaching out to her directly today. We hope she allows us the chance to resolve this matter to her complete satisfaction, and we respectfully ask that the BBB request that she communicate with our supervisory staff so we can assist her further.
  
  Sincerely,
  Guardian Litigation Group

• Initial Complaint

  Date:04/21/2025

  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.

  Cancelled on March 28 2025 and on March 31 2025 they took ****** out of my bank account and on April the 2nd 2025 they told me I would be getting a refund and I didnt receive it call back on April 21 2025 and I was told they took my money for their fees.

  

  Business Response

  Date: 04/22/2025

  Dear BBB:
  
  Thank you for the opportunity to respond to this complaint. We appreciate the chance to clarify the facts and correct several inaccuracies.  Ms. ***** retained our firm in December 2024 to negotiate and settle her unsecured debts.
  
  Within just one month of engagement, we had already negotiated arrangements covering 58% of the debt she hired us to assist withdelivering significant results in an extremely short period of time. These settlements saved her thousands of dollars, allowed her to avoid potential creditor litigation, and we consider this an objectively successful outcome.
  
  Despite the work performed, Ms. ***** paid less than 22% of the total fee owed under the terms of the agreement. This means she continues to benefit from the results of our legal servicessettlements which remain binding and enforceablewithout having paid for the full value of that work.
  We received notice of cancellation on March 28, 2025. At that time, the transaction referenced in her complaint had already been submitted for processing and could not be stopped. This was not an unauthorized charge, but a previously scheduled payment authorized as part of her engagement. No further fees were assessed after cancellation, and all remaining unused funds were returned. Additionally, we wish to clarify that no refund was promised, as fees were earned based on services already performed and settlements already achieved.
  
  To further assist, a supervisory team member will be reaching out to Ms. ***** today to review her file and address any remaining concerns. We ask that the BBB kindly encourage her to work directly with our supervisory team so we can resolve this matter to her full satisfaction.
  
  Sincerely,
  Guardian Litigation Group
  

• Initial Complaint

  Date:04/14/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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.

  Hello, I was contact jan 5 2022. I have been paying approx $340 monthly since then. one main finance, *********** were settled but nothing since July 2024. So unfortunately none of my other accounts have been helped since then. I continue to pay for them not to accounts. ******** secret is outstating $340. how many other settle: credit one $800. country door $774 prospect ******* i do not see any chance.

  

  Business Response

  Date: 04/23/2025

  Dear BBB:
  
  Thank you for the opportunity to respond to Ms. ******** concerns. We appreciate the chance to provide additional context and the progress that has been made since she engaged our firm.
  
  Ms. ******* retained our firm to assist with the negotiation and settlement of her unsecured debts. Since that time, she has remained consistent with her monthly contributions, and were pleased to report that approximately 80% of the debt she retained us to assist with has already been successfully resolved through negotiated settlements, saving her thousands of dollars. These results represent substantial progress and reflect a strong trajectory within the estimated timeline provided at the outset of our representation.
  
  Ms. ******* expressed concern that no new settlements have been finalized since July 2024, and we understand how this may feel discouraging. However, its important to clarify that her recent monthly deposits have continued to be used to fund her existing settlementsseveral of which required installment payments over time. As those payments conclude this month, her monthly contributions will once again become available to target her remaining accounts.
  
  We are already actively pursuing settlements on the creditors Ms. ******* referenced in her complaint, including Credit One, Country Door, and Prospect. We are not currently representing her regarding Victorias Secret, although we welcome the opportunity to do so.  Our supervisory team will be reaching out to her directly today to review the status of those negotiations and confirm next steps.  We ask that the BBB request Ms. ******* remains in communication with us so that we may ensure her satisfaction.
  
  We remain fully committed to helping Ms. ******* complete her program successfully and appreciate her continued patience as we move into the final phase of her journey.
  
  Sincerely,
  
  Guardian Litigation Group

  Customer Answer

  Date: 04/23/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ******** *******
  
   
  

• Initial Complaint

  Date:04/11/2025

  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 was contacted by this company with a promise to help lower my monthly credit card payments. During the initial call, they performed a so-called "analysis" of my debt and recommended a debt litigation strategy to reduce the total amount owed. The representative made it sound like a simple process, claiming I could cut my debt in half and benefit from a lower interest rate.I specifically asked if this would impact my credit score, and he told me it would only be affected temporarily. Based on that information, I agreed to move forward. However, when a second representative called to confirm my details, I was told this was actually a debt relief litigation programessentially a process similar to filing for ************* that point, I declined to proceed and clearly requested to cancel my participation. They said they would cancel it. Then, three weeks later (yesterday), I received another call to go over my monthly payments. Again, I told them I had already canceled. After 20 minutes on the phone, they finally confirmed the *************** my shock, today $775.01 was withdrawn from my bank accountwithout my authorization. I feel completely misled and taken advantage of. Now Im being told I have to fill out a form and wait for a check to be mailed back to me, which Im not even sure will happen.This experience has been frustrating and stressful. In my opinion, this is not a trustworthy business.

  

  Business Response

  Date: 04/22/2025

  Dear BBB:
  
  Thank you for the opportunity to respond to this complaint. We are sorry Mr. ***** had a frustrating experience and would like to clarify several important facts.
  
  At no time were our services misrepresented. During the initial consultation, in the signed agreement, in our welcome package, and again during both our recorded Quality Control and Welcome calls, we clearly explained that our firm was being retained to negotiate and settle unsecured debts through a limited engagement agreement. We also disclosed that our representation is not a loan or consolidation service, and that participation would have a negative impact on credit. These terms were acknowledged both verbally and in writing.
  
  We were first contacted by the complainant regarding cancellation on April 10, and the engagement was formally canceled the next day, April 11. At the time of that call, the initial depositauthorized during the retainer processwas already pending and could not be reversed. However, no fees were assessed, and the full deposit amount was returned. Mr. ***** was not charged for any services.
  
  We understand the frustration about the timing of the withdrawal and refund. However, any delay in receiving the funds is due to standard bank processing timelines, not any policy or delay by our firm.
  
  Although the interaction was brief, we remained transparent, acted promptly upon receiving the cancellation request, and ensured that no costs were incurred. We take all feedback seriously and are committed to maintaining honest and professional client interactions.
  
  Sincerely,
  Guardian Litigation Group

• Initial Complaint

  Date:04/08/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  February ******************************************************************************************* to pay off debt consolidation. Auto draw funds removed from my bank account in March. Called and told I would be refunded and my account was set to "graduate" from the program. Called back around the 10th was informed my information was sent in but they had committed errors and had to be re sent. Called back around the fifteenth and was given a run around of the same excuse and told the auto draw would not be returned. Then called back around the 25th at which I was informed it was sent in error again, but I would be getting a reimbursement for what ever was left in the escrow account though no number of funds was conveyed to me. Then called on April 1st and informed the information the sent to the department that issues the close and "graduation" letter was sent with errors again and had to be re sent. Called today April 8th and was informed yet again it was sent but there were errors and needed to be re sent and would be contacted within 24-48hours.

  

  Business Response

  Date: 04/09/2025

  Thank you for your feedback. We appreciate the opportunity to clarify a few important points regarding your account and completion process.
  
  First, our firm was retained to negotiate and settle your debtsnot to provide a debt consolidation loan. Over the course of your program, we successfully negotiated and settled all the debts you requested our assistance with, in accordance with the estimates provided in your original agreement. This resulted in substantial savings and a successful resolution of your accounts.
  
  As part of the program completion process, we follow a detailed internal review to ensure that all creditor payments have been remitted and applied as agreed. This timeline can vary depending on how long creditors take to post and confirm final payments. In your case, this additional processing time was necessary to ensure accuracy, and we sincerely apologize for any confusion or frustration this may have caused. We can confirm that your completion has now been fully processed and that the remaining balance in your escrow account has already been returned to you.
  
  We value your feedback and are always working to improve communication and processing efficiency. If there are any remaining concerns, we welcome the opportunity to speak with you directly. Congratulations on being debt free!
  
  Guardian Litigation Group

  Customer Answer

  Date: 04/09/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

  In addition I would like to add that over several months I was given the run around over the debt settlement to the point of second to last communication I was told I was getting two hundred in return funds. The call prior was zero, and until I reached out to BBB I was getting no actual information about the escrow account nor the actual completion. Not until I made the complaint, then within 20 hours was the company to confirm "graduation" twice and then that there was actually over $2800 in return funds. However I do thank the BBB for being a good moderator to this issue that has been on going since February 10th.
  
  Regards,
  
  **** *******
  
   

  
  

• Initial Complaint

  Date:03/25/2025

  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.

  I signed up for Just Answer a month ago. I called to cancel once I found that they charge monthly 45. I received verbal communication that they cancelled. Today I find that they took ***** from my account and won't refund it

  

  Business Response

  Date: 03/27/2025

  Dear BBB,
  Thank you for bringing this matter to our attention. We appreciate the opportunity to respond. Guardian Litigation Group is committed to addressing client concerns promptly and ensuring clarity in all communications.
  

  Ms. McCues complaint references a $45 charge related to a Just Answer subscription she believed had been canceled. She states she received verbal confirmation of cancellation but was later charged and denied a refund. Wed like to clarify that our firm has no affiliation with *********** and did not assess this charge. It appears to stem from a separate third-party service unrelated to our firm.
  

  Ms. ***** retained our services in October 2024 to negotiate and settle her outstanding debts. Since then, **** successfully resolved more than half of the enrolled debt, achieving significant savings. Our fee structure is transparent: we charge 27% of the total enrolled debt, but only after a successful settlement. We never charge upfront fees, and the $45 referenced does not appear in our billing records.
  

  To date, Ms. ***** has not canceled her engagement with us. She recently contacted our office with questions about our services, which we answered in full. She indicated she would follow up, but we have not heard back. To ensure clarity, a supervisor will reach out within one business day to review her account, confirm her understanding of our services, and assist with cancellation if that is her preference.
  

  While her complaint appears unrelated to our firm, we are happy to assist her in resolving the Just Answer matter if she wishes. Ms. ***** is welcome to contact us directly or await our outreach.
  

  We value her trust in our firm and remain committed to supporting her financial recovery or concluding services per her direction.
  

  Sincerely,
  Guardian Litigation Group