Straight answers.

Yes. Federal law already gives you these rights — FDCPA §809 (debt validation), the No Surprises Act (balance billing), IRC §501(r) (charity care). BillFighter drafts the letters that exercise them. We're a tool, not a law firm — and for a lawsuit or a five-figure dispute, we'll tell you to get a lawyer.

We track your follow-up date and remind you at 14, 7, and 2 days. If that date arrives without an answer, your escalation letter is already drafted — and on a validation demand, silence works in your favor: a collector that hasn’t validated cannot lawfully keep collecting.

No — a letter isn't a financial event, and nobody reports it. To be clear about what we are: BillFighter fights the bill, with the biller or the collector. We are not a credit repair service, we don't work on credit reports, and nothing we do is designed to change your score. Credit report questions go straight to the bureaus — your free reports are at AnnualCreditReport.com.

0%. Never a share. The prices are the whole price: Fight Kit $39 one-time per case, In Your Corner $99 founding then $129 per case, extra letters $15, extra certified sends $29. You keep 100% of every win. It is the founding rule, in writing on the About page.

3 bill scans a month. Each scan gives you the full report, every problem we find, an estimate of the amount worth questioning, the next step we suggest, and one complete sample letter. No card. What is not free: a letter written from your bill, monitoring, the vault, and mailing.

One bill dispute with one company. Related bills, insurance statements, notices, and their replies are all part of it. A different hospital, insurer, collector, or account is a new case. Every paid price is per case, one-time.

The case stays open while the fight is moving. Any letter, send, or uploaded reply restarts a 90-day window. Three letters are included. A fourth is $15 inside the same case. You never buy a second kit for the same bill. If nothing happens for 90 days, the case goes quiet, and it reopens free.

$99 is the launch price for In Your Corner. It applies to the first 25 In Your Corner cases. Then the standard price is $129. The counter on the pricing page is live.

It is not a subscription. Every purchase is one-time, per case. Nothing renews, so there is nothing to cancel.

Fight Kit: within 30 days, if no letter has been finished. In Your Corner: any time before the first send. Email support@billfighter.com and a person handles it.

It flags; you decide. Every finding says why it was flagged, and nothing sends until you've read it. BillFighter will sometimes miss things or flag too much — that's why you're in the loop, and why every word of every letter stays editable. BillFighter is not a law firm and does not give legal advice.

You do, on every package. BillFighter prepares each letter from your bill. You read it and approve it before anything is sent. With In Your Corner, BillFighter mails it for you by certified mail, tracks it, reads their reply when you upload it, and prepares the next letter. If something needs a human judgment call, a person steps in. A real person is always one message away.

Medical bills, collection notices, EOBs, insurance denials, and prior-authorization denials. If it's a bill, we'll read it.

Attorneys generally work on contingency, taking a percentage of your recovery; hourly ones bill by the hour whether or not the bill is reduced. BillFighter never takes a percentage — you keep everything you win. For complex or high-stakes cases, we'll point you to a consumer rights attorney.

They fight your bill — that's it. Encrypted in transit and at rest, never sold, and shared only with the service providers that power your case (analysis, mail, and storage — listed in our Privacy Policy). Delete your account and your data goes with it.

Sí: la aplicación, el sitio, las guías y tu caso están en español. Las cartas se escriben en inglés, porque los departamentos de facturación y los cobradores en EE. UU. trabajan en inglés. Tú lees cada palabra antes de firmarla.