The defendant’s side
Debt buyers profit from default judgments. Collection firms bill by the judgment. Settlement services commonly take a percentage of the debt. Answered is built on the opposite economics: one flat price, paid by the defendant, for documents the defendant reads before anything happens. These are the commitments that keep it that way.
Answered has no relationships with debt collectors, debt buyers, or collection law firms. No collector pays Answered anything — not for referrals, not for settlements, not for data. The only customer is the person who got served.
One flat price — the Full Defense Packet - $99 — whether you fight, settle, or win. Answered never takes a cut of what you owe or what you save. Settlement tools in this market commonly charge a percentage of the debt's face value (up to 19% of the face value of the debt, charged only when a settlement is reached (SoloSuit's public pages show 19% for settlements at or below 76% of the debt, sliding lower for higher settlements — a fee computed on the original debt amount, not on what you save)). A fee computed on your debt rewards bigger debts, not better outcomes.
You see a watermarked preview of your actual document before you pay. After you pay, nothing is filed, served, or sent to anyone unless you have read it and signed it. There is no communication with any court or any collector that you cannot see.
Your packet is generated the moment checkout completes — the Answer, proof-issue report, and checklists are ready to download the same night. No waiting on mail or a queue. Filing is your step, with a checklist — and where your court accepts free e-filing, the checklist points you to it.
Lawsuit papers and case details are used to prepare your documents — never sold, never shared with collectors, and deletable in one click. Answered publishes its data handling at /security.
Answered exists because a debt buyer sued its founder, he answered pro se instead of defaulting, and the case was dismissed. That case — Plaza Services LLC v. DiSalle, WCCA 2025SC000885 — is a public court record anyone can verify. One real case, fully documented; no outcome is ever guaranteed.
The 60-day court-acceptance guarantee
And you only pay if Answered can build your Answer: the deadline and case-fit check is free, and checkout appears only after your saved case passes the readiness check. One-time payment — no subscription.
The refund is about whether Answered delivered a working, court-acceptable document workflow, not whether you win, settle, avoid default, get a dismissal, reduce the debt, or like the court outcome. Full refund policy.
Answered is self-help software, not a law firm. It does not represent you. It helps organize facts you confirm and prepare documents you review, sign, file, and serve yourself. Always verify deadlines and filing rules with your summons, docket, clerk instructions, court rules, or a licensed attorney. Competitor terms cited on this page come from public pages as of 2026-07-11 and can change — verify current terms before buying any tool, including this one. Sources: SoloSuit homepage · SoloSuit help: How SoloSuit Works · SoloSuit public pricing · SoloSettle pricing page · SoloSuit Terms of Service (guarantee scope) · SoloSuit help: Do You Offer Free Products? · SoloSuit on Trustpilot
No card, no account. The deadline check is free in all 50 states, and Answered tells you honestly if your case isn’t a fit.