Key takeaways
- SoloSuit aims to simplify the complicated legal process and make it so ordinary people can easily respond to debt collectors with confidence.
- SoloSuit helps prepare Answers to a debt lawsuit, negotiate a debt settlement, write a Debt Validation Letter, and assist in filing a Motion to Compel Arbitration.
- The service is designed to be affordable. It offers basic assistance and an option to pay for premium services, including an attorney review.
Every year, 10 million Americans are sued for debt and 90% lose by default because they don’t know how to respond. That’s why SoloSuit was created. The company helps Americans fight back against debt by making it easy to respond to lawsuits and collection agencies without hiring an expensive lawyer.
In this article, we’ll get into how SoloSuit works to help you and protect your money.
What is SoloSuit?
SoloSuit is a practical tool designed to simplify the legal process and assist regular people in handling debt disputes. It was first developed by LawX, the legal design lab at BYU Law School. Now, it’s a company on its own led by former BYU Law Student George Simmons. Since 2020, SoloSuit has helped over 177,000 people respond effectively to debt collectors and lawsuits.
The platform offers a user-friendly interface that guides individuals through creating and filing the necessary legal documents to defend themselves in debt collection cases. By providing affordable and accessible legal tools, SoloSuit enables users to manage their legal issues without the high cost of traditional legal representation, making it an invaluable resource for those facing financial challenges.
How SoloSuit Works
Dealing with debt can be an overwhelming experience, especially when faced with a debt collection lawsuit. 70% of lawsuits result in a default judgment for the debt collector because the person being sued doesn’t respond. That’s where SoloSuit steps in.
SoloSuit works by guiding you through a step-by-step process to respond to a debt collection lawsuit. You answer a few questions about your case. The site will prepare a document for you and instruct you on how to file. It can be an Answer to a debt lawsuit, a Motion to Compel Arbitration, the creation of a Debt Validation letter, or even help to negotiate a debt settlement. Whatever you need, SoloSuit can help.
Easy to use, tons of information
“Made it possible for me to produce a polished legal document without having to hire an attorney for a nuisance debt collector suing me in small claims court. Did a lot to alleviate my anxiety over the issue with their library of resources and explainers. Very professional and easy to use.”
Caitlin CFile an Answer
If you’re sued for a debt, SoloSuit can help you file an official answer to the debt lawsuit. This has to be done within 14-30 days of receiving the complaint. Your document, called an Answer, must respond to each point of the complaint, thereby challenging the debt collector’s claims. You could save thousands by simply filing an Answer since your collector might decide not to pursue the debt any further. If you don’t respond at all, you will lose your case by default.
SoloSuit helps by writing the Answer for you. It’s like Turbo Tax for debt lawsuits. You go to their site, respond to a few questions about your case, and they’ll complete your Answer document and file it for you. The entire process takes about 15 minutes.
They do charge a fee of $67 for their services. If you want an attorney to review your Answer before submitting it, then the price jumps to $247. Either way, it’s a deal.
Settle Your Debt
If you’re ready to repay your debt but can’t afford to, SoloSuit can help negotiate with creditors to settle the debt for less than the full amount owed. Some people do win and pay nothing, but it is much more realistic that you will pay something. On average, debts settle for 48% of the outstanding balance owed.
How it Works
Get sued for a debt and file an Answer.
Begin negotiations on SoloSuit and get automated offer drafting.
When you reach an agreement, SoloSuit will arrange the payment.
Pay your creditor and your case is dismissed.
You pay a commission to SoloSuit of 19% of the total amount of the debt.
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You only pay SoloSuit if a settlement is reached, which gives them an incentive to help you. Debt settlement is one of the quickest ways to get out of debt and can potentially save you thousands of dollars.
Debt Validation Letter
If debt collectors are bombarding you, SoloSuit can help you stop the harassment by drafting a Debt Validation Letter. This letter is a formal request to the debt collector to prove that the debt is valid, that they have the legal right to collect it, requires them to stop contacting you for any reason, and demands that they report the debt as disputed. According to the Fair Debt Collection Practices Act, you do need to respond within 30 days for the letter to be most effective.
The process works the same as creating an Answer for a debt lawsuit. You tell SoloSuit about your case, and they’ll send you a PDF of your letter and instructions on how to mail it. The service only costs $29. Many collectors will simply stop trying after receiving such a letter.
Easy and budget friendly
“This is my second time using SoloSuit. They make the process easy to understand and do the hard stuff for you, for just a small fee. I would definitely recommend!”
Jaime Lee
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Motion to Compel Arbitration
In certain cases, SoloSuit can assist in filing a Motion to Compel Arbitration, which can force the lawsuit out of court. The arbitration process increases the debt collector’s costs and reduces their chances of success, so it’s a move they’ll want to avoid. A lot of debt collectors will just drop the case after they receive the Motion, saving you thousands. You can only file a Motion to Compel Arbitration if you’re being sued for a debt that has an arbitration clause in the agreement. Like with creating a Debt Validation Letter, the price is $29 and you have to mail it yourself.
Pros and Cons of Using SoloSuit
Pros:
- Accessibility and Affordability:
- Cost-Effective: SoloSuit offers affordable solutions compared to hiring a lawyer, making legal help accessible to individuals who might not afford traditional legal services.
- Self-Help Resources: Provides resources and guides to help users understand the legal process and their rights.
- Ease of Use:
- User-Friendly Interface: The platform is designed to be user-friendly, guiding users step-by-step through the process of responding to a lawsuit.
- Automated Document Creation: SoloSuit automates the creation of legal documents, reducing the complexity and time involved in drafting a response.
- Legal Guidance:
- Templates and Forms: Offers templates and forms tailored to specific types of lawsuits, ensuring that responses are correctly formatted and comprehensive.
- Educational Content: Provides educational materials to help users understand the legal terminology and procedures.
- Time-Saving:
- Quick Response Generation: Helps users generate and file responses quickly, which is crucial in time-sensitive legal situations.
Cons:
- Limited Scope of Services:
- Specific Focus: SoloSuit is primarily focused on debt collection lawsuits. Those needing help with other types of legal issues might not find the necessary resources.
- Not a Law Firm: SoloSuit is not a substitute for professional legal advice from a qualified attorney, especially for complex cases.
- Dependence on User Accuracy:
- User Responsibility: The accuracy of the documents generated depends on the information provided by the user. Mistakes in inputting information can lead to incorrect or incomplete responses.
- No Legal Representation: Users are responsible for their own legal representation; SoloSuit does not represent clients in court.
- Jurisdictional Variability:
- State-Specific Laws: Laws and legal procedures can vary significantly between states. While SoloSuit aims to provide accurate information, there might be nuances or updates in local laws that are not fully covered.
- Support Limitations:
- Limited Personal Interaction: Users might miss the personalized advice and strategic planning that come with hiring a lawyer.
- Customer Service: Depending on the complexity of the case, users might find the support options limited compared to having direct access to a legal professional.
SoloSuit offers an affordable and accessible way to respond to debt collection lawsuits, particularly for those who cannot afford traditional legal services. However, it is important to be aware of its limitations and the importance of accuracy and understanding the specific legal requirements in your jurisdiction.
Is SoloSuit Legit?
Yes, SoloSuit is a legitimate service that assists individuals in responding to debt collection lawsuits. It is designed to make the legal process more accessible and affordable for people who may not be able to afford traditional legal representation. SoloSuit provides a user-friendly platform that guides users through creating and filing necessary legal documents. The service automates much of the document preparation process, ensuring that responses are correctly formatted and filed in a timely manner.
While SoloSuit is not a law firm and does not offer legal representation, it provides valuable resources and support for those dealing with debt collection issues. Many users have found SoloSuit to be an effective and cost-efficient alternative to hiring an attorney for straightforward legal matters. However, for complex cases, seeking professional legal advice is recommended.
Frequently asked questions
1. When is it a good idea to use SoloSuit?
Using SoloSuit is a good idea when you need an affordable and user-friendly way to respond to a debt collection lawsuit. It’s ideal for straightforward cases where you can manage without full legal representation. SoloSuit provides the necessary tools and guidance for creating and filing legal documents, making it suitable for those who cannot afford traditional attorney fees.
2. Can SoloSuit help you win your case?
SoloSuit can help you effectively respond to a debt collection lawsuit by providing the tools and guidance needed to prepare and file the necessary documents. While it increases your chances of successfully defending yourself, it does not guarantee a win. For complex cases, seeking professional legal advice is recommended.
3. Can you save money with SoloSuit?
Yes, SoloSuit can help you save money by providing affordable tools to respond to debt collection lawsuits without needing to hire a lawyer. With its user-friendly platform and automated document creation, SoloSuit allows you to handle legal matters independently, reducing the costs associated with legal representation and consultations.
4. Is it worth paying the attorney fee?
Paying an attorney fee can be worth it for complex legal cases, where professional expertise and personalized representation are crucial. Attorneys can offer strategic advice, negotiate settlements, and represent you in court, potentially leading to better outcomes. For straightforward cases or if cost is a concern, services like SoloSuit can be a viable alternative.
Bottom Line
SoloSuit is a valuable tool for anyone facing debt-collection lawsuits. They empower you to effectively navigate the legal process at a fraction of the cost of hiring an attorney. Thus far, SoloSuit has helped over 177,000 Americans and protected $1.12 billion in assets. If you find yourself in debt and facing collection lawsuits, they are certainly a platform to explore.
