Our mission
GuardianIQ exists because the healthcare, insurance, and debt systems are designed by organizations with teams of lawyers — and most individuals face them alone.
Every year, Americans receive tens of millions of incorrect or inflated bills. Collections agencies use legally questionable tactics. Insurance companies deny valid claims, counting on people not knowing their appeal rights.
The laws that protect you exist. Most people just don't know about them — or don't know how to use them.
GuardianIQ is a personal protection system. Not a lawyer, not a helpline — a system that reads your situation, checks it against real law, and gives you exactly what to do next.
We translate the dense language of federal and state regulation into clear, specific, actionable steps — and generate the letters that assert your rights.
Legal foundation
Our guidance references these federal statutes, plus applicable state-level protections that often provide stronger rights.
No Surprises Act
Bans unexpected out-of-network billing for emergency care
ACA
Establishes coverage minimums and appeal rights
HIPAA
Protects your right to access and correct your health records
FDCPA
Limits how and when debt collectors can contact you
FCRA
Governs your rights around credit reporting accuracy
State laws
Additional protections that often exceed federal minimums
Who we serve
You don't need to be a lawyer to protect yourself. You just need to know what the law actually says — and what to do next.
Check your situation for free →