Yes. Federal law already gives you these rights — FDCPA §809 (debt validation), the No Surprises Act (balance billing), ACA §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 the response deadline and remind you at 14, 7, and 2 days. If the window closes without an answer, your escalation letter is already drafted — on a validation demand, silence means they cannot lawfully keep collecting.
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.
0%. Flat fee only: Pro is $24.99/mo, extra certified sends are $29.99, PDFs are always free. You keep 100% of every win — it's the founding rule, in writing on the About page.
Yes — for three months. Your included send doesn't evaporate on the 1st.
Yes. Access runs to the end of the period. No retention maze.
It flags; you decide. Every finding cites its reason, and nothing sends until you've read it. It will sometimes miss things or over-flag — that's why you're in the loop, and why every word of every letter stays editable.
Medical bills, collection notices, EOBs, insurance denials, and prior-authorization denials. If it's a bill, we'll read it.
Contingency attorneys typically take 30–40% of your recovery; hourly ones bill $200–500. BillFighter is a flat monthly fee and 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 (AI analysis, mail, and storage — listed in our Privacy Policy). Delete your account and your data goes with it.
Sí — la aplicación, las páginas principales y las cartas. Las guías están llegando; inglés y español salen juntos. Una promesa, dos idiomas.