For many Americans, receiving a court summons or a debt collection notice is a moment of pure paralysis. The legal system is notoriously difficult to navigate, and the “rationality gap” is stark: if you are being sued for $1,500, paying a private attorney a $2,000 retainer to defend you simply doesn’t make sense.

Solo was established to address these specific financial challenges. Originally launched as SoloSuit in 2018 by George Simons, the brand has expanded into a comprehensive debt resolution system. As of 2026, Solo has facilitated the resolution of over $2.4 billion in debt, utilizing technology to assist consumers in navigating financial institutions.

The Core Mission: Empowering Consumers through Debt Resolution 

The mission of Solo is straightforward: help individuals resolve debt and debt lawsuits, providing the freedom to move forward.

The brand was born from Simons’ personal experience as a JD/MBA candidate at BYU. After successfully representing himself in a consumer dispute when no lawyer would take his case, he realized that debt collection cases are the most common filings in the U.S. civil court system. Shockingly, about 70% of these cases end in default judgments, simply because consumers didn’t respond. Solo was built to ensure that no one loses their case by default again.

The Product Line: A Two-Step Path to Freedom

Solo offers a seamless digital journey through two flagship products designed to take a user from legal crisis to financial resolution.

Step 1: SoloSuit (The Defense)

Think of SoloSuit as the “first responder” for debt lawsuits. Instead of facing a wall of complex legal jargon, users complete a simple online quiz. The platform’s logic engine, specifically tailored to debt collection laws in all 50 states, converts these answers into a legally valid “Answer” document.

Unlike other legal sites that provide a generic PDF, Solo handles the “last mile” logistics. They calculate filing fees, cut the checks to the court, and mail the documents, ensuring the defense is officially recognized before the deadline.

Step 2: SoloSettle (The Resolution)

Once the lawsuit is paused and the threat of an automatic judgment is removed, SoloSettle takes over. This digital communication platform allows consumers to initiate settlement negotiations directly with creditors or law firms.

The primary differentiator here is the removal of confrontation. SoloSettle replaces phone calls and long hold times with a 100% digital, confidential interface. Users can negotiate for a lower total payout or establish a monthly payment plan without ever having to speak to a debt collector on the phone.

A Smarter Path to Debt Resolution

Solo fills the gap between expensive lawyers and risky DIY methods, offering a solution designed for your specific needs:

  • Affordable Protection: For debts under $5,000, hiring a lawyer often costs more than the debt itself. Solo provides a professional-grade defense at a fraction of the cost, making it a logical choice for everyday debts.
  • Direct & Fast Resolution: Skip the 2–4 year wait times and hidden fees common with traditional debt settlement agencies. Solo empowers consumers to connect directly with creditors for immediate, transparent results.
  • Credit Score Preservation: Solo treats debt as a solvable cash-flow issue, not a permanent failure. This approach helps you resolve the problem without the long-term credit damage associated with filing for bankruptcy.
  • Specialized Accuracy: Unlike generic legal templates, Solo is built specifically for debt defense. Our system automatically checks for “Affirmative Defenses”—like the Statute of Limitations—and pre-fills court-specific filing requirements (fees, addresses, and forms) to ensure your paperwork is rejected less often.

The Solo Approach 

At its heart, Solo is about emotional safety and financial autonomy. As founder George Simons puts it:

“Solo makes it easy to pay off your debt at a discount. For the first time, people can respond instantly and select plans that work for them, resolving debt in days instead of years. ”By replacing fear with a step-by-step digital path, Solo is not just filing paperwork; it is fixing a broken system and helping hundreds of thousands of people reclaim their financial futures.

Written in partnership with Tom White