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Solo (formerly SoloSuit) Debt Services Review

Bestmoney Staff
Nov. 12, 2025
2 min read
BestMoney Staff
SoloSuit Summary
Solo is a digital platform designed to help individuals respond to debt collection lawsuits and negotiate with collectors. Unlike traditional debt consolidation loan providers or law firms, Solo offers self-help tools for preparing legal responses and settling unsecured debts. It’s especially valuable for people already involved in debt litigation who want low-cost, tech-powered options to manage their cases.

Pros

  • Offers lawsuit responses through automated tools
  • 19% fee for SoloSettle only applies upon successful negotiation
  • Operates in all 50 U.S. states
  • Optional attorney review and filing available for added assurance

Cons

  • Does not offer traditional debt consolidation loans
  • No guarantees of outcome; results depend on each case
  • Not a law firm, no attorney-client relationship established

SoloSuit at a glance

7.6
Editorial score

Online experience

Good online resources, but no access to rates
8.0

Customer services and support

Multiple ways of reaching lender but limited hours
6.0

Geographical availability

50 states
10.0

Types of debt covered

Covers most loan types
8.0

Repayment flexibility

Only offers immediate repayment & limited repayment plans
6.0

Why Go with Solo

Solo offers unique value for individuals who need to defend themselves in court or settle debts without hiring a lawyer. Its automated document tools simplify the process of responding to a lawsuit, while the SoloSettle feature uses AI to facilitate secure negotiations. Transparent pricing, including a results-based fee for settlements, makes it financially accessible. For users facing collections or lawsuits, Solo bridges the gap between expensive legal help and navigating the court system alone.

What’s Offered

  • Automated lawsuit response tools for preparing “Answer” documents
  • SoloSettle, an AI-supported platform for debt negotiation
  • Premium services, including attorney-reviewed documents and court filing
  • Educational content to guide users through court procedures
  • Nationwide availability, covering all 50 states

Solo’s services are delivered entirely online, empowering individuals to manage litigation steps directly without incurring additional debt.

Highlights

  • Available in all U.S. states
  • AI-powered settlement tools
  • Pay only if SoloSettle works (up to 19% fee)
  • No need to hire a lawyer
  • Over 330,000 users (self-reported)
  • $2.26 billion in debt matters addressed (self-reported)


Types of Debt Covered

Solo supports unsecured debts that are typically in litigation or collections. These include:

  • Credit card balances
  • Personal loans in default
  • Medical bills
  • Private student loans (excluding federal loans)
  • Payday loans

Solo does not address secured debts such as active auto loans or mortgages unless those accounts are already charged off or repossessed.

Help and Support

Support is delivered online and includes access to a Help Center and email-based assistance:

Support is currently limited to asynchronous web-based communication. Phone and live chat support are not advertised, and turnaround times for inquiries may vary.

Address

Solo operates exclusively online. A physical mailing address is not publicly listed on its website.

Conclusion

Solo provides an innovative legal-tech solution for individuals navigating debt-related lawsuits or attempting to resolve outstanding unsecured debts. While not a replacement for legal representation, its tools can be a helpful and budget-conscious alternative for individuals who cannot afford an attorney. The platform's pay-only-if-successful model for settlements, broad accessibility, and digital-first approach make it a useful choice for managing debt litigation independently.

AI was utilized in the creation of this content, complemented by human validation and proofreading.

BestMoney Staff
Written by
Bestmoney Staff
The BestMoney.com editorial team is composed of writers and experts covering a full range of financial services. Our mission is to simplify the process of selecting the right provider for every need, leveraging our extensive industry knowledge to deliver clear, reliable advice.
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