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Your action plan for unfair medical debt

Got a medical bill
you can't pay?
We'll help you fight it.

Dispute collections, check charity care eligibility, negotiate settlements, or scan your bill for errors. Get step-by-step guidance and ready-to-send documents in minutes.

Fight My Debt → Scan My Bill →

Not sure where to start? Take our 30-second quiz to get a personalized action plan.

1 in 3 Americans carry medical debt
3.4× avg hospital markup over Medicare
1 in 4 bills contain errors you can dispute

Your action plan

What's going on with your medical bill?

I got a collection notice.
We'll generate a legally correct FDCPA letter that forces the collector to prove they own your debt — or stop collecting.
Start Letter →
I can't afford my bill.
We'll check if your hospital is required to forgive your bill. Most nonprofit hospitals must — and you can apply even after collections.
Check Eligibility →
I think my bill has errors.
Upload your bill and we'll run a free AI audit. We find overcharges, duplicate charges, and billing errors instantly.
Scan My Bill →
Estimate your savings → Check statute of limitations → Know your state rights → See all options →

How it works

1

Tell Us What Happened

Got a bill? Upload it. Got a collection notice? Tell us. We guide you through it.

2

We Analyze It

AI scans your bill for errors. We check charity care eligibility and statute of limitations.

3

You Get Your Letters

FDCPA validation letters, settlement offers, or dispute letters — generated and ready to send.

4

Debt Reduced or Gone

Collectors must validate or stop. Hospitals must honor charity care. You keep more money.

Fight My Medical Debt →

Free to start. FDCPA letters from $19. No lawyer needed.