TRANSPARENCY
Advertising Disclosure
Our role
Guardian Debt Services is a marketing and lead-generation service operated by Charles Chamberlain.
Guardian Debt Services is not a lender, creditor, law firm, credit-repair organization, debt collector, or debt-relief provider. We do not directly provide debt settlement, consolidation, negotiation, or credit-repair services.
Preliminary eligibility screening
The website may ask preliminary questions about state of residence, approximate unsecured credit-card debt, employment or income, and general debt type.
The questions help determine whether a currently available third-party program may be relevant. A qualified result does not guarantee final eligibility, enrollment, creditor participation, or any particular result.
Call routing
Qualified visitors may be shown a telephone number supplied through a call-tracking platform. Calls may be routed to an independent third-party debt-relief provider or representative.
Provider and buyer availability can vary by time, state, campaign limits, and individual circumstances. A call may not connect if no participating provider is available.
Compensation
Guardian Debt Services may receive compensation for advertising services, referrals, qualified calls, leads, enrollments, reported sales, or other marketing outcomes.
Compensation may affect which third-party provider receives a call. Guardian Debt Services does not represent that every available provider or program will be presented.
Independent providers
Third-party providers are independent businesses responsible for their own:
- Licensing and regulatory compliance
- Eligibility and enrollment decisions
- Program terms, fees, and agreements
- Representations and disclosures
- Privacy and data-handling practices
- Services and consumer outcomes
No guaranteed results
Guardian Debt Services does not guarantee:
- Acceptance into a debt-relief program
- Settlement, forgiveness, or elimination of debt
- A specific reduction in debt
- A specific monthly payment
- A particular program duration
- Creditor participation
- Improvement to a credit score or credit report
- Prevention of collection activity or legal action
- Any particular financial result
Results vary by provider, state, creditor, debt type, debt amount, income, ability to make program payments, and individual circumstances.
Program risks and fees
Debt-relief programs may involve fees and risks. Depending on the program and circumstances, participation may affect credit, result in continued collection activity, increase balances through interest or penalties, or create possible tax consequences.
Consumers should carefully review all provider disclosures, fees, terms, risks, and agreements before enrolling.
Not a government program
Guardian Debt Services is a private marketing service. It is not affiliated with, endorsed by, or operated by any federal, state, or local government agency.
No financial or legal advice
Website content and preliminary eligibility results are provided for general informational and marketing purposes. They are not legal, tax, credit, or financial advice.
Call monitoring and recording
Calls may be monitored or recorded for quality assurance, compliance, training, attribution, fraud prevention, and other lawful purposes.
Questions
Questions concerning this disclosure may be sent to: