Sarah Edwards | March 06, 2023
Summary: If debt collectors keep contacting you, SoloSuit can help you respond and get them off your back. If you’ve already been sued for a debt, SoloSuit can help you respond to the lawsuit and increase your chances of winning by 7x.
A debt collection lawsuit is a ticking time bomb. You typically have as little as 14 days to respond in court and with your creditor; otherwise, you’ll lose the lawsuit to a default judgment. You need an ally. SoloSuit can help. You can use SoloSuit to complete your Answer and rely on expert guidance regarding how to file it.
But is SoloSuit worth it? For many consumers, SoloSuit offers a great way to respond to a lawsuit and start the journey toward debt recovery. Here’s how.
SoloSuit is a web app that helps you prepare your legal Answer in a debt collection lawsuit. The app will ask a series of questions to assemble your Answer, which you can use to do one of the following:
This makes SoloSuit a fast way to respond to a lawsuit, which is vital when the clock starts ticking.
Why is it so important to file an Answer to a debt lawsuit right away? Surprisingly, most consumers don’t participate in their own defense, which means that the court renders a default judgment. The best available data reveals that well over 70% of debt collection lawsuits result in default judgments in favor of the debt collector. Consider a few examples:
A default judgment is bad news because it means that you’re on the hook for the full amount of debt. When a default judgment is granted, debt collectors can garnish your wages and put liens on your property to get the money back.
While you may still be able to settle, your negotiating position has been compromised by this legal ruling, and you may also be compelled to operate by the debt collector’s timetable.
If you’re being sued for debt, you might feel like you’ve run into a wall, but you should know that you have options for fighting back (or not) against debt collectors. Here are your main options during a debt lawsuit:
Let’s take a moment to break down each of these options in more detail.
As surprising as it sounds, this is the option taken by the majority of American consumers. But this only results in a default judgment, which means that you’ll remain responsible for the entirety of your debt.
While it may feel tempting to ignore the suit, hoping that it will go away, this is definitely the worst option available to you. Filing any type of Answer will give you a better chance of beating debt collectors.
Hiring an attorney can be a reliable option if any of the following applies to your case:
But keep in mind that attorney fees can be high. Depending on how much money you owe, hiring an attorney can be prohibitive.
You can save yourself the money and stress of finding an attorney to represent you when you use SoloSuit to represent yourself.
SoloSuit offers the best of both worlds. Rather than ignore the lawsuit, SoloSuit helps you prepare a legal answer without the added costs of hiring an attorney. And because you can have your Answer reviewed by an attorney, you can have confidence that you’re getting the best possible assistance.
Plus, did we mention that SoloSuit's services cost thousands less than hiring a lawyer? SoloSuit's goal is to help provide access to justice for all. So, we proudly keep our prices affordable.
Check out this video to learn more about how to draft an Answer to a debt lawsuit:
Many debt collectors would prefer to settle the debt for a lower price if it means avoiding a drawn-out legal process. In fact, settlement companies settled $4.5 billion in consumer debt in 2018 alone, settling for just 55% of the original amount per person.
But unless you have some legal training, it’s hard to put together an Answer as well as a settlement offer that debt collectors will accept. Again, SoloSuit can assist with this process and provide guidance on how to settle your debt and save money doing so.
SoloSettle makes it easy to start the debt settlement process after you’ve made your initial response to the lawsuit. Using a tech-based approach, SoloSettle software sends and receives settlement offers to collectors until you have reached an agreement.
SoloSettle protects your financial information from predatory debt collectors. You can settle your debt while withholding your private financial data from debt collectors. Instead of sending a check that contains your personal banking information, SoloSettle will pay your settlement on your behalf. You can rest easy knowing that the debt collector hounding you won’t have a scrap of your personal data.
If you’ve been sued over your debt, you can’t afford NOT to respond. SoloSuit is here for you. Our app-based platform takes mere minutes and ensures that you prepare and submit an appropriate Answer by the deadline. We can also provide assistance with requesting a debt validation, filing a Motion to Compel Arbitration, and offering a settlement.
Our research shows that people who use SoloSuit to respond to a debt collection lawsuit are 7x more likely to win their case. So, the simple answer is this: Yes, SoloSuit is worth it!
Click here to learn more about SoloSuit’s products and services.
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.
Here's a list of guides for other states.
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Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.