Subscription
$19FREE
The full $19 subscription waived. You can run cases, send certified mail (at cost), get cases triaged — the whole product, free for 30 days.
Closes the day we launch · Waitlist only
Built to fight back. So you don’t have to.
Medical overcharges, denied claims, withheld deposits, credit errors. Institutions count on you not fighting back. We do the fighting for you.
FREE
first month
50% OFF
for life
+1 mo
per friend
Locked in for waitlist members only
half off. forever.
We’re giving the people who join us before launch a permanently better deal. This pricing closes the day we open to the public.
Subscription
$19
$9.50/mo
50% off, for life. Locked in as long as you’re a member. Cancel anytime; resubscribe later at the same price.
Subscription only · Per-action fees pass through at cost*
Stack more free months · No cap
1 month free — for you and your friend.
Know someone who got screwed by a medical bill, an insurance denial, or a landlord? Forward them this page. Every friend who signs up through your share link gets a free month — and so do you. Stack as many as you want.
+1
Free month for you
+1
Free month for your friend
∞
Refer as many as you want
Unlocks on your friend’s first transaction*
For everyone who’s ever been ignored
If any of this is happening to you, we can help.
Got a hospital bill that looks too high
Insurer denied a claim you believe should be covered
Landlord kept your security deposit (or part of it)
Wrong account or paid debt still showing on your credit
Debt collector calling about a debt you don't owe
Bank charged a surprise overdraft or won't refund a fee
Subscription you can't get out of, no matter what you click
Airline canceled your flight and won't pay what they owe
These are the situations 9 out of 10 people just live with because fighting back feels too hard. It is too hard — by design. That’s why we built this.
The process
Three steps. The agent does the rest.
01
Send us the bill.
Upload the medical bill, denial letter, deposit itemization — whatever the institution sent that you think is wrong. We read it, identify the statutes that protect you, and tell you what we'd recover. Free triage, no commitment.
02
Approve the plan.
We show you the theory of the case — which laws apply, which letters we'd send, what the recovery range looks like. Nothing goes out until you say go.
03
We do the rest.
Certified mail, deadline tracking, response parsing, escalation when ignored. You only hear from us when there's a decision to make. Most cases resolve in under 30 days.
Why this works
The hard part isn’t knowing your rights.
It’s exercising them — the right letter, the right citation, sent the right way, before the right deadline. That’s what the agent does, on the record, until the institution responds.
Drafted by an agent that knows the statutes.
Letters cite the specific protections that apply — No Surprises Act, FCRA §611, FDCPA §809, your state's deposit timeline. Not generic templates.
Sent on the record.
Certified mail with return receipt, tracked email with delivery confirmation, or fax when the agency requires it. Proof of service is part of the case file.
Escalated when ignored.
If the first letter doesn't land, we move to state-agency complaints, CFPB filings, small-claims preparation, or attorney referral — whatever the statute supports.
What we handle
17 categories. One workflow.
Each category has its own statutory protections and procedural rhythm. The agent knows which ones apply to your situation, and routes the case accordingly.
Medical bill overcharge
No Surprises Act, balance billing, itemization errors.
Insurance claim denied
Internal appeal, external review, medical necessity.
Security deposit withheld
Itemization deadlines, treble damages.
Credit report error
FCRA disputes, furnisher direct-dispute, CFPB.
Debt collection violation
FDCPA validation, cease-comm, statute-of-limitations defense.
Bank fee or overdraft
Reg E error resolution, surprise-overdraft refunds.
Subscription you can't cancel
ROSCA, FTC click-to-cancel, chargeback support.
Airline reimbursement
14 CFR §259.5, denied boarding, baggage claims.
Unpaid wages
FLSA + state — overtime, last paycheck, breaks.
Auto lemon or dealer dispute
Magnuson-Moss, state lemon laws, used-car rule.
Auto insurance dispute
Total-loss valuation, claim denial, diminished value.
Homeowners insurance dispute
Claim denial, depreciation disputes, bad-faith handling.
Utility billing dispute
Disconnection notices, billing errors, deposit refunds.
Property tax appeal
Assessment challenges, exemptions, equalization.
Landlord/tenant matter
Habitability, illegal fees, retaliatory eviction.
Unemployment determination
Denied benefits, eligibility appeals, overpayment notices.
How we operate
Built for people who’ve been ignored before.
Receipts over rhetoric.
Every step is logged: documents read, statutes cited, mail tracked, deadlines met. You can see what we did, when, and why — at any time.
Pay for outcomes, not promises.
Founders pricing: 50% off the subscription, for life. Plus à la carte action fees at cost. No contingency cuts on what you recover. The price you see is the price.
Approval-first by default.
Letters that go out via certified mail, complaints filed with agencies, anything that costs money — all require your explicit approval. We never act on your behalf without consent.
Statutory deadlines, on time.
FCRA, FDCPA, No Surprises Act, state security-deposit windows — every protection has a clock. We track them so you don't blow a deadline that could've doubled your recovery.
Questions, answered
Common questions.
- No catch — it’s a founders deal. Waitlist members pay $0 for month one (the $19 base fee waived) and then 50% off the subscription forever ($9.50/month instead of $19) for as long as they’re a member. Per-action fees (certified mail, agency filings, notary services) still pass through at cost. The deal closes when we open to the general public — after that, new sign-ups pay full $19/month. We’re doing this because waitlist signups validated the demand and we want you in for the long haul.
Still wondering? Email hello@dotandcross.io — we read every message.
Closes the day we launch
First month free.
50% off for life.
Two minutes to reserve your spot. Drop your email and the kind of issue you’re facing — we’ll handle the rest when we open.