Flat-fee documents for people answering debt collectors alone

Solo Response is a self-help document service for people dealing with debt collectors on their own. We produce two documents: an FDCPA debt validation letter for when a collector is writing or calling, and a court-ready answer to a debt collection summons for when a collector has filed a lawsuit. Both are formatted for your state and delivered in minutes.

We built it because the people who most need to respond to a collector are usually the people least able to pay an attorney $300 an hour to do it, and the deadline does not wait.

Each document is generated by our own custom-trained model, not a general-purpose chatbot. The model was trained on real debt validation letters and court answers drafted by attorneys, and it works from document templates that were written and reviewed by people with direct experience in FDCPA disputes and debt-collection litigation. We keep those templates current as rules change.

Your details (collector, creditor, court, case number, deadline) are merged into the structure that fits your state, and you receive a document to sign, mail or file. Every page on this site that explains the law links to the statute or rule it relies on, so you can check it yourself.

Solo Response is not a law firm. We do not give legal advice, we do not represent you, and using the service does not create an attorney-client relationship. Our documents are self-help tools: you decide whether and how to use them, and you file or send them yourself.

If your case is complex, the amount is large, or you are unsure what to do, a consumer-law attorney or your local legal-aid office can review your situation. Many offer free initial consultations, and FDCPA cases can sometimes be taken on contingency.

One flat fee per document: $29.97 for a debt validation letter and $139.95 for a summons response. There is no subscription, no tier based on how much you owe, and nothing else to buy. See our Terms of Service for the full details.

Questions about an order, the service, or this site: support@soloresponse.com or the contact form. We are also on Instagram, Facebook and LinkedIn (links in the footer).