Answered vs SoloSuit: An Honest Comparison

Both Answered and SoloSuit are software products built to help people respond to a debt-collection lawsuit without hiring an attorney. They are not law firms, and neither one represents you in court. The comparison below is sourced from each product's public pricing, its own About page, third-party reporting (TechCrunch, NPR, Fast Company, Bloomberg Law, GetLatka, SimilarWeb, ZoomInfo), Better Business Bureau filings, and Trustpilot reviews. Where a claim is contested or recently changed, the source is named inline.

The short answer: SoloSuit is broader and older, Answered is deeper and newer. SoloSuit, founded in 2018, will give you an Answer document in any of the 50 states. Answered, founded in 2024, will give you a state-specific defense suite — Answer plus motions plus counterclaims plus certificates of service — but only in the 18 states it has attorney-reviewed so far.

The product philosophies also differ. SoloSuit's own tagline frames the company as a bridge between debtors and debt collectors. Its second business line, collectors.solosuit.com, sells to debt buyers and collection agencies. SoloSettle, SoloSuit's settlement product, is built around negotiating a payment to the plaintiff. The product is engineered to resolve cases, frequently through payment.

Answered is engineered to defend cases. Every document generated cites the controlling state statute and, where available, state appellate case law. The motion suite — Motion to Compel Arbitration, Motion to Compel Discovery, Motion to Dismiss — exists because most debt-buyer cases hinge on documents the plaintiff cannot produce: the original signed contract, the unbroken chain of assignment, the account statements. A motion suite is what forces the plaintiff to produce them or drop the case.

Neither approach is wrong. A defendant who simply wants the case off their docket and can afford a settlement may be best served by SoloSettle. A defendant who believes the plaintiff cannot prove standing — which is the structural weakness in most debt-buyer suits filed by LVNV, Portfolio Recovery Associates, Midland Funding, Cavalry, Crown Asset, Jefferson Capital, Velocity, and CACH — is better served by a tool that generates discovery motions, not settlement offers.

SoloSuit publishes three tiers on solosuit.com:

— Free: a basic Answer template with limited attorney review. — Standard, $67: the Answer document plus filing. — Premium, $247: Answer document, attorney review, and filing.

A separate Motion to Compel Arbitration is offered as a $20 add-on; it is not bundled into Standard or Premium. SoloSettle, the settlement product, is priced at 19% of the face value of the original debt and is billed only on a successful settlement (see the dedicated section below for the worked example).

One March 2025 Better Business Bureau complaint references a $472 charge for the Premium tier. SoloSuit's published Premium price is $247. Either pricing has increased since the published figure or the $472 includes filing surcharges and a separate motion add-on. SoloSuit's BBB response to that complaint did not dispute the $472 figure.

Answered offers a single product at $99 one-time. The same product is also available as Pay-in-3: $33 today, then $33 in week one, then $33 in week two. There is no interest and no credit check. Mail filing — where Answered prints, mails, and tracks delivery to the court — is an optional $40 per filing, currently live in Wisconsin, Texas, Pennsylvania, Ohio, Minnesota, and Michigan.

Answered is free to start and free until you file. You can build the full defense — Answer, motions, counterclaims — at no cost and only pay when you are ready to file the documents. SoloSuit's free tier offers an Answer template only and does not include filing.

At equivalent scope, $99 (Answered) versus $247 (SoloSuit Premium) is the closest like-for-like comparison.

This is the largest functional gap between the two products.

SoloSuit generates an Answer document. SoloSuit's sample Answer, published on its own site at solosuit.com/forms/solosuit-sample-answer.pdf, contains ten paragraph-by-paragraph denials and seven generic affirmative defenses (statute of limitations, failure to state a claim, lack of standing, accord and satisfaction, payment, laches, and unclean hands). The sample document includes no case law citations and no state-specific statutory references beyond a generic affirmative defenses block. A Motion to Compel Arbitration is offered as a separate $20 add-on. Motion to Compel Discovery, Motion to Dismiss, and counterclaims are not generated by SoloSuit.

Answered generates the full document suite for an attorney-reviewed state:

— Answer with paragraph-by-paragraph denials and state-specific affirmative defenses. — Motion to Compel Arbitration (where the underlying contract contains an arbitration clause). — Motion to Compel Discovery (when the plaintiff has not produced the bill of sale, account statements, or chain of assignment). — Motion to Dismiss (most often for lack of standing or failure to state a claim under state law). — Counterclaims — universal FDCPA counterclaim, and state-law counterclaims under the Rosenthal Fair Debt Collection Practices Act in California and the North Carolina Debt Collection Act in North Carolina. — Certificates of service required by each state's rules of civil procedure.

The practical consequence: a SoloSuit user who needs to force the plaintiff to produce documents — the central tactic in most debt-buyer cases — must either draft the Motion to Compel Discovery themselves, hire an attorney for that motion, or accept that the case will proceed on whatever the plaintiff has chosen to file. An Answered user generates that motion as part of the same workflow that produced the Answer.

SoloSuit covers all 50 states. Answered covers 18. This is SoloSuit's most concrete advantage, and a defendant in a state Answered has not yet reviewed (for example, Alabama, Mississippi, or any of the smaller jurisdictions) has a clear reason to use SoloSuit.

What "covers" means in practice differs. SoloSuit's 50-state coverage is built on a single Answer template parameterized by state. The state-specific guides on solosuit.com are largely the same article with the state name swapped in. The sample Answer document on SoloSuit's site is not state-specific in its substance — the same seven affirmative defenses appear regardless of state, and no state statute or state appellate case law is cited.

Answered's 18 states are each attorney-reviewed in the sense that the document templates reference the controlling state statute, the state's specific rules of civil procedure for service and filing deadlines, and, where available, state appellate case law. Georgia documents cite Nyankojo v. North Star Capital Acquisitions, 298 Ga. App. 6 (2009), and Wirth v. CACH, LLC, 300 Ga. App. 488 (2009). California documents cite the Rosenthal Fair Debt Collection Practices Act. Wisconsin documents cite Brindise on the timing of confirmation defenses. Florida documents cite the Florida Consumer Collection Practices Act.

This is what "attorney-reviewed" means in practice for an Answered state. The current 18 — Arizona, California, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, Minnesota, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Texas, Virginia, and Wisconsin — cover the largest debt-collection-suit jurisdictions in the country, but not all of them.

If your state is one of the 18, Answered is the deeper tool. If your state is not, SoloSuit is the only software option of the two.

SoloSuit was founded by George Simons, who earned a JD/MBA from BYU Law in 2020. SoloSuit's About page lists eight partnering attorneys: Greg Anjewierden, Dennis Charney, Scott Cipinko, Zachary Levine, Glenn Romano, Taylor Shaw, John Skiba, and Sarah Wolk. SoloSuit is a real legal-tech company with a real attorney founder, real partnering attorneys, real investor backing (Lobster Capital, Temerity Capital Partners, Tubbs Ventures, and Mana Ventures per ZoomInfo), and a real SOC 2 Type II certification. None of that is disputed.

Answered was founded in 2024 by John DiSalle, operating as ellaSiD LLC. DiSalle is not an attorney. He built Answered after being sued by a debt buyer, Plaza Services LLC, in Eau Claire County, Wisconsin, in 2025 — a case he defended himself, pro se, using the early version of what is now Answered. The case, Plaza Services LLC v. DiSalle, Eau Claire County case number 2025SC000885, was dismissed without prejudice on April 9, 2026. Court records are publicly available through the Wisconsin Circuit Court Access system.

The distinction is not a credential one. It is a perspective one. A defendant who has been on the wrong side of an LVNV or Portfolio Recovery case file knows the specific procedural traps in a way a JD curriculum does not teach: which exhibits the plaintiff typically attaches and which they pointedly omit, which discovery requests force the case to settle or be dismissed, what the docket pressure looks like on a defendant facing a $4,000 alleged debt and a default-judgment deadline 20 days out.

SoloSuit's founder built a product. Answered's founder built a product and then used it as a defendant.

An honest comparison page that does not enumerate the competitor's advantages is not an honest comparison page. SoloSuit does several things Answered does not, and a defendant should weigh them.

Fifty-state coverage. If you are sued in a state Answered has not yet attorney-reviewed, SoloSuit is the only one of the two products that can help you. This is not a small advantage. Answered's roadmap will add states; SoloSuit ships them today.

Settlement as a product. SoloSettle is a real, working settlement product. Answered does not offer settlement. A defendant who wants the case resolved by payment — not by motion practice — is better served by a tool that negotiates with the plaintiff on their behalf. Answered's playbooks cover settlement strategy, but Answered does not transact the settlement.

Free Q&A. Solo AI is a free chatbot built on a large language model. It will answer general questions about debt-collection procedure without requiring an account or a payment. Answered does not currently offer a comparable free Q&A tool.

Track record and brand. SoloSuit has been in market since 2018, has documented coverage in NPR, Fast Company, TechCrunch Disrupt Battlefield (2020), Bloomberg Law, Business Insider, and ABC4, holds an Inc. 5000 listing, and is BBB accredited. Answered launched in 2024 and has none of those signals yet.

More partnering attorneys named publicly. SoloSuit names eight attorneys on its About page. Answered's reviewer roster is not currently published, in part because state bar advertising rules around attorney endorsements vary by jurisdiction and Answered errs conservatively.

Lower entry tier. SoloSuit Standard is $67. Answered's lowest price is $33 (the first installment of Pay-in-3), but the full product is $99. For a defendant who needs an Answer document only and has no interest in motion practice or counterclaims, SoloSuit Standard is the cheaper option.

State-specific case law in the document itself. This is the single largest substantive difference. An Answered document filed in Georgia cites Nyankojo v. North Star Capital and Wirth v. CACH on the assignment-of-debt evidentiary requirements specific to Georgia debt-buyer cases — the cases the plaintiff's counsel knows control the standing analysis. An Answered document filed in California cites the Rosenthal Act. An Answered document filed in Wisconsin cites Brindise. SoloSuit's published sample Answer cites no case law. The Georgia state defense pillar at /sued-for-debt/georgia walks through the specific Nyankojo citations and how they appear in the document.

Motion suite included, not added on. Motion to Compel Discovery and Motion to Dismiss are generated by Answered as part of the standard workflow. SoloSuit does not generate these. A defendant who needs to force the plaintiff to produce the bill of sale or the chain of assignment cannot do that with SoloSuit's product alone.

Counterclaims. FDCPA counterclaims, Rosenthal counterclaims in California, and NCDCA counterclaims in North Carolina are generated by Answered. A counterclaim shifts the case from "you owe us money" to "and you may owe me statutory damages and attorney fees." SoloSuit does not generate counterclaims.

Free until you file. The entire defense suite can be built and reviewed without payment. SoloSuit's free tier offers only an Answer template.

Mobile app. Answered ships an iOS app (App Store ID 6744030087) for case management, deadline tracking, and document review. SoloSuit is web-only.

Pay-in-3 at zero interest. $33 today, $33 in week one, $33 in week two. No credit check, no interest, no late fee. SoloSuit accepts credit card payment at the time of purchase.

Fifty-six debt-defense playbooks. Step-by-step procedural guides specific to common plaintiffs (LVNV, Portfolio Recovery, Midland, Cavalry, Crown Asset, Jefferson Capital, Velocity, CACH), motion strategy, and post-Answer steps. The Georgia step-by-step pillar is an example.

SoloSettle is SoloSuit's settlement product. It is priced at 19% of the face value of the original debt and is billed only when a settlement is successfully reached. The fee structure is published by SoloSuit on its own site, and the worked example below uses SoloSuit's own published numbers.

A defendant is sued for an alleged debt of $10,000. SoloSettle negotiates with the plaintiff and reaches a settlement for $7,000 — a typical outcome on a debt-buyer case where the plaintiff acquired the account for pennies on the dollar. The defendant pays $7,000 to the plaintiff. Separately, the defendant pays SoloSettle a fee of 19% of the face value of the original debt: $10,000 × 0.19 = $1,900. Total out-of-pocket for the defendant: $7,000 + $1,900 = $8,900. Saved versus paying the full $10,000: $1,100.

Two facts about that math are worth noting. First, the 19% is calculated against the face value of the alleged debt, not the settled amount. A defendant who settles a $10,000 debt for $5,000 still pays a $1,900 fee. Second, the fee is paid only on successful settlement — a defendant whose case is dismissed before settlement, or who settles directly without SoloSettle, pays nothing.

The SoloSettle product is appropriate for a defendant whose primary goal is resolving the case through payment and who values the negotiation handling. It is less appropriate for a defendant who believes the plaintiff cannot prove the case at all — because a successful Motion to Compel Discovery in a debt-buyer suit frequently results in a voluntary dismissal at no cost to the defendant. Answered does not offer settlement and does not negotiate with plaintiffs; the product is built around forcing the plaintiff's proof.

On April 9, 2026, the Eau Claire County Circuit Court in Wisconsin entered an order dismissing without prejudice the case styled Plaza Services LLC v. DiSalle, case number 2025SC000885. The defendant was John DiSalle, founder of Answered. The case was defended pro se using the same product Answered sells.

This is the single most concrete authority signal Answered has. It is verifiable in the Wisconsin Circuit Court Access public docket. It is not a marketing claim. It is a court order.

There is no comparable claim available to SoloSuit. George Simons is a JD/MBA from BYU Law. Of SoloSuit's eight publicly named partnering attorneys, none has publicly defended a debt-buyer suit pro se as a named defendant. This is not a criticism — attorneys generally represent clients, not themselves — but it is a structural difference in the kind of knowledge each product was built on.

Why does this matter for the document you receive? A defendant who has personally been on the wrong side of a Plaza Services or LVNV or Portfolio Recovery file has seen what the plaintiff actually attaches, what they pointedly omit, which discovery requests trigger a dismissal, and what the deadline pressure looks like at 11pm three days before an Answer is due. Those specifics show up in the documents Answered generates: the exact phrasing of the affirmative defense, the specific exhibits the discovery motion demands, the certificate-of-service formatting the clerk will or will not accept.

The Plaza Services case is mentioned once on this page deliberately. It is the founder's most direct credential, and it is also the credential most likely to be over-deployed in marketing. The case record speaks for itself: 2025SC000885, dismissed without prejudice, April 9, 2026.

Use SoloSuit if:

— Your state is not one of the 18 Answered currently attorney-reviews. SoloSuit covers all 50. — Your primary goal is settling the case by paying the plaintiff a reduced amount, and you want SoloSettle to handle the negotiation. — You need only an Answer document and have no interest in motion practice or counterclaims, and the $67 Standard tier fits your budget better than the $99 Answered price. — You value a longer track record, BBB accreditation, and the press coverage that comes with a product in market since 2018.

Use Answered if:

— You are in one of the 18 states Answered covers: Arizona, California, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, Minnesota, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Texas, Virginia, or Wisconsin. — You want documents that cite the specific state statutes and case law that control your case, not a generic Answer template. — You expect to need motion practice — Motion to Compel Discovery is the central tactic in most debt-buyer cases — and you want those motions generated by the same product that generated your Answer. — You want to assert FDCPA counterclaims, or Rosenthal Act counterclaims in California, or NCDCA counterclaims in North Carolina. — You want to defer payment via Pay-in-3 at zero interest, with no credit check.

Use both if:

— Your state is Answered-covered but you also want to attempt a settlement before filing the Answer; build the defense in Answered, use SoloSettle to negotiate. — You are filing in two cases in two different states, and only one is Answered-covered.

The practical first step in either case is to confirm your state and your filing deadline. See how Answered handles a Georgia debt-collection case for a worked example, or check your state to confirm coverage and your deadline.