About Us

Who We Are and Why It Matters

Your Payment Guardian is a Maryland-based company founded in 2001 with a single purpose: to support people facing financial hardship with real, meaningful help. Our founder, Richard Rollyson, spent decades in the finance industry and saw how quickly an unexpected event—like losing a job—could spiral into legal trouble, health issues, and emotional strain. He created this program to fill the gap that traditional insurance, government aid, and corporate benefits often leave behind. Richard has dedicated his life to helping people avoid financial ruin, and this program reflects his belief that no one should be left behind.

We’re not a faceless corporation. We’re a community of problem-solvers, member advocates, and everyday people who care. Over the past 20+ years, we’ve helped thousands of members regain control of their finances and protect their futures—while also empowering others to earn a recurring income helping people do the same.

People trust Your Payment Guardian because it works. Our program is affordable, built by professionals who understand the realities of financial stress, and packed with over $10,000 worth of benefits for just $39.70 a month. And because we’ve designed it to grow through members helping members, we’re creating opportunity while solving real-world problems.

Want to know the mindset that started it all?

Read “The Secret to Success” — the story that’s inspired thousands of members to never give up.