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GUARDIANLITIGATION GROUP655 S. Main StreetSuite 200-411Orange, CA 92868Phone: (888) 888 - 8888E-mail: debtfree@guardianlit.comON CASEON CALLON GUARD
ASSERTIVEINTEGROUSRESOLUTEWhen taking on the largest creditors it helps to have a team that isn’t afraid to be creative and think outside the box to generate results for our clientsGuardian was established on the tenants of honesty, integrity, and trust. We ensure that these enduring principles manifest in every aspect of our serviceIt gives us purpose to know that every case we take on has a marked impact on the nancial future of our clients and their familiesJohn T. Greenway, Esq.PresidentWELCOMEAs the managing attorney, I would like to welcome you to our debt resolution program and personally thank you for retaining our services. Guardian was founded with the sole purpose of assisting clients who are in a financial hardship. From our performance-based fee structure to our industry leading service, all aspects of the Guardian program are designed with our clients in mind. Each Guardian program is tailored to the unique financial situation of our clients and we routinely evaluate both our systems and the legal landscape quality and performance improvements. We hold ourselves to a high standard of excellence and will not rest until our clients debts have been resolved.OUR MISSIONAt Guardian Our Mission is to provide unparalleled legal services and support to financially distressed and underrepresented individuals.ASSERTIVEINTEGROUSRESOLUTEwe arewe arewe are1Guardian / Engagement Package
0.000.501.001.502.002.503.003.502010 2011 2012 2013 2014 2015 2016 2017 2018 2019Credit Card Student Loan OtherFINANCIAL HARDSHIPYOU ARE NOT ALONEMillions of Americans struggle with their financial obligations every year. Whether the economy is up or down, hard times and tough choices can fall on anyone.Financial hardships can come in many forms, below is the distribution of the most common in our industry.Debt burdens continue to grow across the generationa gap. Millennials have on average $5,500 more debt than their parents and $8,000 more than their grandparents at a similar state in life (adjusted for inflation). Debt is also being paid o 77 percent slower. The average household carries over $15,000 in unsecured loans. These large debt loads and slower payos, coupled with today’s high interest rates, mean that many modern debtors could be burdened by debt for the remainder of their lives.Divorce or Lawsuit%Signicant Medical Expenses%%Job Loss or Decrease in Income%Death in the Family%Other%Child or Family (Elder) CareCredit Cards, Student Loans, and Other forms of unsecured debt have been rising year over year since 2010.www.guardianlit.com 2
WHO IS GUARDIAN?AN INTRODUCTIONGuardian Litigation Group is a national consumer law firm focused exclusively on defending the rights of struggling debtors.First it’s just for emergency purposes, then it becomes a regular habit. All of a sudden life deals you a blow and you nd yourself relying on credit just to get by. It’s becoming easier and easier to fall behind on payments with seemingly no way out.This same scenario is playing out over and over again for millions across the country. Aggregate household debt balances continue to increase year over year, with total debt reaching $14 trillion in 2020. And with lower burdens to accessing credit, there is no end in signt.Guardian Litigation Group was founded to provide struggling debtors with reliable, attorney-based options for resolving their debts and dealing with their creditors. We deliver a level of service that other companies simoly cannot compete with. From our truly custom savings plans to algorithmic settlement strategies, every element of your resolution journey has been meticiously crafted to maximize the value that you receive. Are you struggling through a financial hardship? We have a solution for youAre you experiencing a nancial hardship and don’t know where to turn? You are not alone, millions of Americans struggle with debt on a daily basis. Medical emergencies, divorce, job loss, and other struggles can place a tremendous burden on one’s ability to keep up with nancial obligations. Fortunately there are a number of tools and strategies designed to help people just like you get out of debt and back on their feet. Whether you need help with a single collection lawsuit or want to explore all of your legal options, reach out today to see what solutions we have for you. When it comes to debtors rights, Guardian is the only name you need to know.ATTORNEYS30CASES2000+FAST FACTSFOUNDED2018CLIENTS10000+3Guardian / Engagement Package
THE GUARDIAN WAYTO FINANCIAL FREEDOMLearn about our firm, enroll your debts into our program and set aside funds monthly.01EDUCATEIt is our goal to ensure that you have a complete picture of your nancial situation and the many options that are available to you. We only want to enroll clients who are in a true nancial hardship and fully understand the benets and impact that negotiation will have on their life.Once your engagement is complete you can live free from your creditors once again!03GRADUATEAll settlements must be approved by you prior to execution. Each enrolled debt is worked through one by one until all of your debts have been resolved. The average engagement lasts 40 months however yours could be longer or shorter depending on your specic debts.Our team of experienced legal professionals will negotiate with your creditors. 02NEGOTIATEThe rst step is creating a targeted and client specic settlement plan which prioritizes high risk creditors and optimizes the timing of each settlement. This plan is then carefully monitored and adjusted throughout your engagement to ensure we are able to deliver maximum settlement value.Gurdin neotites with your creditors nd coectors to ccept ess thn the tot mount owed to ey stsify your debt. Enement with Gurdin typicy sts 24-48 months nd is hihey dependent on fctors such s deinquency, creditor poicy, number of ccounts, nd tot debt.www.guardianlit.com 4
Engagement TimelineSTAY ON THE PATH TO SUCCESSOur methods only work if you stick to them. Remain consistent and have faith in the system.WELCOME CALLMONTHLY CALLAUTHORIZATIONOPERATION TIMELINEPROGRAM ENROLLMENTINITIAL SAVINGS PAYMENTATTORNEY WELCOME CALLFIRST SETTLEMENTADDITIONAL SETTLEMENTSGRADUATIONMONTH MONTH MONTH MONTH Once your rst program payment clears a rm attorney will call you to ocially welcome you to GuardianYou will receive at least one call per month from our team to discuss progress and deliver updatesWhen negotiate a settlement we need you to approve the terms and authorize payment Stick to your program savings scheduleBe patient and have faith in the process, the average resolution program lasts 40 monthsMaintain active communication with us at least monthly5Guardian / Engagement Package
THINGS TO KEEP IN MINDQUARTERLY CALLCONTACT US ANYTIME!GRADUATIONMONTH MONTH MONTH MONTH A rm attorney will call you each quarter to review your le and answer any questionsIf you ever have any questions or concerns during your progrm please do not hesitate to reach out!Partake in our client graduation ceremony to celebrate the culmination of your journey!We cannot accept an oer without your authorization, and must communicate every oer that we receive.Do not use your enrolled acconts during the resolution program, this will only delay our abilitiy to negotiate.If you have any extra funds that you can contribte to your program, you will receive faster results.Do not be afraid to answer calls from your creditors. If you feel like you are being harassed we may be able to assist so please reach out to us.MONTH 6www.guardianlit.com
Program TermsThis is a breakdown of your resolution program terms, including your total enrolled debt, our fees, the program lengt, and payment dra dates.The total amount of all the debts that you are enrolling into the resolution program for settlement.Total Enrolled DebtThe total estimated resolution program length. The actual length could be shorter or longer depending on the pace and success of settlements.Program LengthThe fee that Guardian charges for resolution services. This fee is only collected upon the successful settlement of each debt.Contingency Settlement FeeThe monthly fee that the custodial trust bank charges to maintain your account.Monthly Bank FeeThe total amount that you have authrized to be deposited into your custodial trust account monthly.Total Monthly DraThe date that your rst program payment will be withdrawn from your account.First Monthly Dra DateThe estimated amount that you will save once your debts are fully resolved.Estimated SavingsATTORNEYS30CASES2000+FAST FACTSFOUNDED2018CLIENTS10000+7Guardian / Engagement Package
CLIENT INFORMATIONFULL NAMEPHONE NUMBEREMAILCLIENT DEBT SCHEDULECREDITOR ACCOUNT NUMBER AMOUNT8www.guardianlit.com
LITIGATIONAND THE RIGHTS OF CREDITORSYour chances of a creditor lawsuit increase until the end of the first year, aer which they decling significantly.During your engagement with Guardian there is a chance that your creditors may le collection actions against you. The majority of creditors do not take this route, however if they do Guardian will provide full legal representation on your behalf. Creditors often believe that they can win the case just by ling, because many debtors simply don’t respond which results in a default judgment. Don’t let that be you, we are here for you every step of the way!COLLECTION ACTIONSYes, there are rules that govern collection attempts!Although it may seem like the wild, wild, west, there are actual specic rules and guidelines that debt collectors must follow. Both the Fair Debt Collection Practices Act (FDCPA) as well as the Telephone Consumer Protection Act (TCPA) outline strict guidelines that debt collectors must legally follow. These laws can have real consequences for being violated—the debt collecting organization can lose its membership and certication with ACA International, preventing them from operating in some states. You can also sue them. If your lawsuit is successful, you will be awarded statutory damages as well as attorney’s fees.Some of the most common violations include:If you feel like your creditors are harassing you, contact us immediately or complete the form at:www.guardianlit.com/inquiry• Unreasonable call volume or call hours• Obscene language or threats• Calls to your place of employment• Claiming that they will seize your property0%2%4%6%8%10%12%1 4 7 10 13 16 19 22 25 28MONITORYour mail and calls for information regarding potential collection actionsNOTIFYTell us right away if you receive any documents from your creditors, every day counts!Please don’t hesitate to contact us if you have any questions or concerns!CONTACTTAKE THE FIGHT TO YOUR CREDITORS9Guardian / Engagement Package
Debtors participating in a debt settlement program should anticipate that their credit score will be negatively impacted throughout the entire duration of the debt settlement service. WILL THIS LOWER MY CREDITO SCORE?No! We work through each of your accounts one by one, collecging our fee only upon successful settlement. You can expect the program to last the full duration of the program you were quoted, which is tyoically 24-48 months.DO YOU CHARGE FEES UPFRONT?DO YOU GUARANTEE RESULTS?Guardian cannot guarantee the results of Debt Settlement. Each debtor’s results are unique to their circumstances and individual creditor negotiations. Any result projections used in advertising or in determining a debtor’s payment plan are estimates and should not be relied upon as an indicator of actual results. It is possible that a creditor will not enter into a debt settlement negotiation with Guardian. and that the creditor will pursue the debtor directly in regard to payment of the debt. Debt forgiven in a settlement program may be considered “taxable income” if over $600. Any clients considering or enrolled in Debt Settlement should take into account the potential tax consequence when determining the actual savings obtained by the program. We advise that you consult with a tax professional to discuss this issue further and determine whether or not you qualify for a hardship exception from the tax liability. Guardian does not make any payments to your creditors. Monthly program payments accumulate in your 3rd party trust account until a settlement has been negotiated, approved by you, and enough funds have accumulated in the account to pay settlement amount. Each creditor negotiation is unique, and it can take months or even years before a settlement reached. The creditor will continue to apply late fees, penalties and interest on the applicable debt until settled or discharged.A creditor is not obligated to participate in a debt settlement negotiation and can le a lawsuit against you to collect the debt. If a collection lawsuit is successful, the creditor may receive a judgment against the you, which in many states allows the creditor to garnishing the your wages or bank account. In addition, a creditor is entitled to pursue debt collection via telephone and other methods of communication, as long as the creditor’s actions are not in violation of the Federal Fair Debt Collection Practices Act. CAN I BE TAXED FOR SETTLED DEBTS?DO YOU MAKE PAYMENTS TO MY CREDITORS?CAN MY CREDITORS SUE ME?Frequent Client Questions10www.guardianlit.com
655 S. Main St., Suite 200-411Orange, CA 92868Phone: (888) 888 - 8888Fax: (888) 888 - 8888debtfree@guardianlit.comwww.guardianlit.comAddressPhone & FaxWebContact UsDid you know you can access your account online at any time 24/7? Log in to view progress and review important messages from our team![INSERT CLIENT PORTAL]