28Solutio is workflow software for self-represented (pro-se) consumers enforcing their own consumer-protection rights. We do not give legal advice, we do not represent you, and using our tools does not create an attorney-client relationship. This page explains exactly what that means in plain English.
What 28Solutio is
A toolkit, not a lawyer.
28Solutio is consumer-facing software. The platform helps you organize, draft, and track the paperwork involved in disputing credit-report errors and pursuing your own FCRA, FDCPA, and small-claims matters. Specifically, the platform provides:
Workflow software — a guided case-stage pipeline (dispute → suit-prep → service → default judgment → enforcement).
Deadline engine — statutory and procedural clocks (FCRA 30/45-day windows, state answer windows, judgment interest accrual).
Document templates — dispute letters, court-form fillers, and pleading scaffolds you review and adopt as your own.
Court-form library — official forms for state small-claims and federal-district-court filings across 51 jurisdictions.
Certified-mail integration — USPS certified delivery for letters and service of process.
Audit log — an immutable record of your case events for your own records.
What 28Solutio is not
We do not practice law on your behalf.
Not a law firm. 28Solutio is not licensed to practice law in any U.S. jurisdiction.
No attorney-client privilege. Communications with 28Solutio, our staff, and our software are not privileged. Do not treat them as if they were.
No legal advice. Suggestions, explanations, and template content in the product describe how the law generally works — they are not advice on what to do in your specific situation.
No court representation. No employee, contractor, or AI feature of 28Solutio appears in court for you or signs pleadings on your behalf. You sign and file everything as the pro-se party.
No outcome guarantee. Past results shown anywhere on this site are real, but they predict nothing about your case. Your facts, your jurisdiction, and your preparation drive your result.
Your responsibility
You are the party of record.
When you use 28Solutio to send a letter, file a complaint, or submit a court form, the document goes out under your name and your signature. That carries real obligations:
Review every document. Read each generated letter, complaint, and form before you sign or send it. Templates are starting points; the facts must be yours.
Verify accuracy. Confirm dates, account numbers, dollar amounts, party names, and jurisdiction-specific rules. Court rules vary; clerks reject filings for reasons our software cannot anticipate.
Court-rule compliance. You are responsible for following local, state, and federal court rules — including Rule 11 in federal court and its state equivalents — when you sign and file a pleading.
Get a lawyer when it matters. If your case is complex, your damages are large, you face a represented opponent, or you don't understand a deadline — talk to a licensed attorney before you act.
When you should consult an attorney
Self-help has limits. These are some of them.
Talk to a consumer-rights attorney before relying on the platform if any of the following apply to your situation:
Substantial damages. Actual damages above what small claims allows in your state, or where punitive damages may be in play.
Identity theft. Mixed-file errors, synthetic-identity fraud, or criminal-identity issues that intersect with police reports.
Ongoing or related litigation. Existing lawsuits, bankruptcy filings, or counterclaims involving the same parties or accounts.
Federal cases beyond simple FCRA. Class actions, multi-defendant suits, or cases that involve novel legal theory.
Fee-shifting eligibility. Strong FCRA or FDCPA cases where attorney-fee awards are likely — a contingency lawyer may take your case at no upfront cost.
Represented opponent. The other side has retained counsel, has filed an answer, or has begun discovery.
Resources
Where to find a lawyer.
Many consumer-rights attorneys take strong FCRA and FDCPA cases on contingency. The following directories are independent of 28Solutio:
Your state bar's lawyer-referral service. Most state bars run a free or low-cost referral line and self-help center. Search “[your state] bar lawyer referral.”
Legal aid. If you qualify based on income, your local legal-aid office may take your case for free. Search “[your county] legal aid.”
Contact
Questions about the platform?
For questions about how 28Solutio works as a software product — billing, feature behavior, account access, data handling — reach our support team. Visit /contact. For questions about your specific legal situation, please consult a licensed attorney using one of the resources above. We cannot answer legal questions.