Fight the errors — or forgive the bill. Keep every dollar.
Drop the bill — photo or PDFwe read every line · errors, violations & charity-care eligibilityFight it — free →Brand new, so we'll show you the thing that actually convinces: the product doing its job. Hit analyze and watch it flag the errors on a sample bill.
Flagged by analysis — not a recovered-dollar result. That's the honest claim, and it's enough.
Analyze your own bill — free →We read what's on the bill, flag what doesn't add up, and write the letter that makes them show their work. Here's exactly what fires an upcoding flag:
A level-5 ER code claims life-threatening complexity — but the bill shows one blood panel, no imaging, same-day discharge. The code's own receipts don't back it up. Strongest signal, and it's entirely on the paper you gave us.
CMS publishes how often each visit level occurs. Level 5 is a small minority of ER visits — when a rare code shows up with thin supporting lines, the flag fires.
When your bill or EOB carries diagnosis codes, they get checked against the visit level. An ear infection billed as a life-threatening emergency doesn't survive the comparison.
“What happened? How long were you there? Admitted or sent home?” Two intake questions turn a weak flag into a strong one.
These four are the most common — not the whole arsenal. Every bill runs the full battery below, and every catch pairs with the right that forces a written answer. Not a request — a requirement.
If a nonprofit hospital sent your bill, federal law (501(r)) requires it to run a financial-assistance program — some forgive the balance entirely. We screen every bill for it and draft your application.
No triumphant origin myth. Before BillFighter existed, its founder got a bill, didn't know the rights that applied, and paid it. This product is the letter that should have been sent — built so the next person doesn't need to already know the law to use it.
In 2021, I got a bill for my newborn son's surgery. Something about it didn't sit right — but it arrived looking official, and official things get paid.
So I paid it. Not because it was right. Because I didn't know I was allowed to ask whether it was.
Years later I learned what I didn't know then: the itemized bill I never demanded. The validation letter I never sent. The thirty days they were required to give me. The rights existed the whole time — printed in laws nobody hands you in the hallway.
BillFighter is the letter I should have written, built so you don't have to already know the law to use it. Upload the bill. We'll show you what we see, and we'll put the demand in their mailbox — certified.
Whatever you win is yours. All of it.
Snap a photo or drop a PDF — medical bill, EOB, denial, or a collection notice.
Duplicates, upcoding, unbundled charges — caught and matched to the exact law on your side.
A dispute letter, drafted in about a minute and sent certified — a paper trail that demands a response.
Personalized to the exact errors on your bill, and sent USPS certified with return receipt. The quality of the letter is itself the evidence — so read one.
Re: Account #4471-B — Formal dispute of billing errors and demand for validation
To Whom It May Concern:
I dispute the charges on the above-referenced account. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. §1692g, and applicable state law, I demand validation of this debt and correction of the following:
1. CPT 99285 appears twice on the statement — a duplicate charge of $921.00.
2. The “Supplies — misc” line of $189.00 is not itemized; I request a full itemized…
A collector must prove the debt is yours and accurate before you owe a response.
Out-of-network ER and balance bills are often not owed — you pay in-network cost only.
You have the right to a full itemized bill — CPT codes, dates, every charge.
typically taken from whatever they claw back — a cut of your money.
per hour, typically — rarely worth it under $10k.
of your winnings. Free for 3 analyses/mo · Plus $12.99/mo · Pro $24.99/mo with a certified letter included · $29.99 per extra send. That's everything.
Yes — disputing bills and requesting debt validation are federally protected rights under the Fair Debt Collection Practices Act (FDCPA) and various state consumer protection laws. You have the right to request an itemized bill, dispute errors, and demand debt validation.
The letter itself never touches your score. If the debt is already on your report, disputing is how you fight that too — collectors must mark it disputed, and if they can't validate it, it comes off.
We track response deadlines and generate follow-up letters automatically.
Never. You keep 100% of everything you recover. Plus is $12.99/month, Pro is $24.99/month with one certified letter included, and extra certified sends are $29.99. That’s everything.
Medical bills, collection notices, EOBs, insurance denials, and prior authorization denials.
BillFighter uses AI to analyze bills and identify potential issues. Our analysis is thorough but not perfect. We recommend reviewing all findings and consulting a consumer rights attorney for complex or high-stakes cases.
Contingency attorneys typically take 30–40% of your recovery. BillFighter charges a flat monthly fee and you keep everything you win. For complex cases, we also connect you with consumer rights attorneys.