DEADLINE WARNING: Most courts give you just 14–30 days to respond — or you lose automatically.

Solo Debt Defense + Settlement

100% money-back guarantee Start My Defense

376,000+ PEOPLE HELPED $2.73 BILLION PROTECTED

Sued for a debt? Fight it. Settle it. End it — for good.

One system does both: we respond to your lawsuit before the deadline, then negotiate your debt down — without you ever talking to a collector.

End My Debt Lawsuit →

Takes 15 minutes.
Free to see your options.

J. just resolved $6,085 with JPMorgan Chase

See what you could save

How much are you being sued for?

$8,000

Typical settlement*

$5,680

You could save

$2,320

Start Now — Check My Case Free

*Debts settle for 71% of face value on average. Your result may differ. 100% money-back guarantee on filing packages.

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Ignore the lawsuit, and you lose. Automatically.

If you don't respond by the deadline, the collector wins a default judgment — and then the real damage starts.

Wage garnishment

Collectors can take money straight out of your paycheck — up to 25% in many states.

Frozen bank accounts

A judgment can let them levy your bank account without further warning.

You pay MORE

Judgments add interest, court costs, and fees on top of the debt. Responding costs a fraction of that.

The good news: many collectors drop the case entirely once you respond. They're counting on you doing nothing.

The Solo Debt Defense System

Two moves. One outcome: your debt, ended.

Other services make you pick one. We combined the legal response and the settlement negotiation into a single flow.

Answer the lawsuit

Answer a few questions about your case. We draft your legal Answer, a licensed attorney reviews it, and we file it with the court for you — before your deadline. Default judgment: blocked.

✓ Attorney-reviewed response ✓ Filed with your court & served to the collector ✓ 100% money-back guarantee

→

Settle for less

Now you have leverage. Make a settlement offer through our platform — no phone calls with collectors, ever. Debts settle for 71% of face value on average. Case dismissed on payment.

✓ Free to make an offer ✓ You only pay if a settlement is reached ✓ Collector leaves you alone

Real people. Real debts. Resolved.

$15,506

A. resolved with Mantis Funding

$8,640

C. resolved with Capital One, N.A.

$12,761

G. resolved with Crown Asset Management

$7,450

R. resolved with Discover Bank

$6,033

K. resolved with Bank of America, N.A.

$11,343

J. resolved with Velocity Investments

$2.73B

PROTECTED

376,000+

PEOPLE HELPED

71%

AVG. SETTLEMENT VS FACE VALUE

A lawyer would charge $1,500+. Start for $67.

Every package is backed by our 100% money-back guarantee.

STANDARD ANSWER

$67

✓ Professional Answer document ✓ Filed with your court (1–8 days) ✓ Collector served by mail ✓ Status updates

Choose Standard

Questions? Answered.

What if I already missed my deadline?

File anyway — most courts accept an Answer until a default judgment is actually entered. The sooner you file, the better your position. Start now.

Do I have to talk to the debt collector?

Never. We file your response with the court and serve the collector by mail. All settlement negotiation happens inside our platform — no calls, no letters, no stress.

Why respond first instead of just settling?

Responding blocks a default judgment and shows the collector you will fight. That leverage is why many cases get dropped — and why the rest settle for far less.

What does settling actually cost?

Making an offer is free. If (and only if) a settlement is reached, the fee is at most 19% of the face value of the debt. With debts settling for 71% on average, most people come out thousands ahead.

What if it does not work?

Answer packages come with a 100% money-back guarantee. And with settlement, you pay nothing unless the collector agrees to a deal.

Your deadline is not waiting. Neither should you.

15 minutes today can save you thousands — and get collectors out of your life for good.

End My Debt Lawsuit →

100% money-back guarantee · Free to see your options

Solo is not an attorney or a law firm, nor a substitute for one. We do not provide legal advice or practice law. This site contains legal information, not legal advice. Solo is a self-help tool and does not create an attorney-client relationship. No guarantee regarding case outcomes. Average settlement figures are historical averages; individual results vary. Use of products is governed by the Terms of Service, Privacy Policy, and Legal Disclaimer.