Debt collector on your case?
Answer back for one flat fee.
Solo Response turns two of the hardest legal moments, a collection letter or a lawsuit summons, into a document you can generate today, for a price you know upfront, in every U.S. state.
- Two documents, two flat fees: a $29.97 validation letter and a $139.95 summons response.
- Powered by our own custom-trained model, trained on real, expert-drafted filings, for all 50 states.
Everything you need
to fight back.
Precision-Engineered Documents
Our custom model was built specifically for debt collection defense. It doesn't just write; it constructs a legal argument based on your specific state and county rules.
Privacy by Design
Your data is never sold. We use end-to-end encryption to ensure your personal information and case details stay strictly between you and your document.
Beat Any Deadline
Most users complete their document in under 15 minutes. Perfect for those moments when you're facing a tight court-ordered deadline.
Expert-Vetted Templates
Every document structure in our system has been reviewed by experts in consumer protection law. You get the quality of a law firm with the speed of AI.
Two problems, two flat-fee fixes
No lawsuit-value tiers, no monthly plan. Choose the document that matches what landed in your mailbox and pay once.
Debt Validation Letter
For collection letters & credit report disputes.
- FDCPA Rights Citation
- Demand for Proof of Ownership
- Dispute Form Included
- Fully formated document ready to send to debt collector
Summons Response
For active court cases and lawsuit filings.
- State-Specific Answer Format
- Affirmative Defenses Builder
- Filing & Service Guide
- Fully formated court aligend document ready to submit in court
Built for people who just need it handled
A custom-trained model, not generic AI
Solo Response isn't a ChatGPT wrapper. Our model is trained specifically on real, expert-drafted debt validation letters and court answers, so the output reads like a document a specialist wrote, not a chatbot transcript.
One price, no surprises
Attorney consultations for debt defense run $300+ an hour, and most debt-relief apps lock the good stuff behind a subscription. Solo Response is $29.97 or $139.95, period. You see the total before you start.
Human-reviewed, not just auto-generated
Every template our model draws on was written and reviewed by people with real experience in FDCPA disputes and debt-collection litigation, then kept current as state formatting rules change.
Fast enough to beat a deadline
Summons deadlines are usually 20–30 days from service. Most people complete their document, review it, and are ready to file the same day they start.
From mailbox to mailed response in four steps
The same simple process for either document. No account, no case review call required.
Choose your document
Pick the debt validation letter or the summons response, depending on what you received.
Answer a few questions
Tell us about the collector or the lawsuit: your state, the amount, and the key dates.
Get your formatted document
Receive a ready-to-use document, personalized to your details and formatted for your state.
Sign, mail, or file it
Follow the included instructions to send it certified mail or file it with the court on time.
Real clients, real results
“I was staring down an $8,000 judgment and had no idea where to start. The response I filed was professional and legally sound, and the collector dropped the case before it went further.”
Michael E.
Verified client
“Getting served with a lawsuit is terrifying. Having a clear, step-by-step document to file made the whole thing feel manageable instead of impossible.”
Kathy D.
Verified client
“This letter stopped a debt collector cold in about ten days. I mailed it certified and the calls just stopped. Genuinely amazing.”
Patricia M.
Verified client
“The collector couldn't produce any proof they even owned the debt. It was removed from my report entirely. Worth every penny.”
Angela T.
Verified client
“Fast, accurate, and a fraction of what an attorney consultation would have cost me. Saved a lot of stress on a tight deadline.”
Marc H.
Verified client
“I had no idea what to do when I was sued over an old debt. This made it possible to actually respond and fight back on my own.”
Carol S.
Verified client