We dispute the underlying bill
Many medical bills sent to collections are wrong — duplicate charges, NSA violations, missing itemization. We dispute the bill itself, not just the collection.
Medical bill in collections
Your medical debt has more protections than you think.
Federal rules now block credit bureaus from reporting medical debts under $500 at all, and require a 365-day grace period for everything else. Meanwhile, Rosenthal Act and FDCPA rules force collectors to stop calling and validate the debt. We use all of it.
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Sound familiar?
If any of this is happening to you, we can help.
Hospital sent you to collections before you could dispute
Collector calling repeatedly about a medical bill you didn't know about
Medical debt showing on your credit report
Collector threatening to sue or garnish wages
Bill is from a hospital you barely remember visiting
You already paid but it's still in collections
How we handle it
The procedural side, on autopilot.
We force debt validation
Under FDCPA §809, you have 30 days from first contact to demand validation in writing. We send the demand. Most collectors can't actually produce the validation and have to drop the account.
We protect your credit
The 365-day grace period and the under-$500 reporting prohibition are FCRA rules. If a violation lands on your report, that's a separate cause of action with its own statutory damages.
Example outcome
$1,820
Medical collections account removed from credit report
Resolved in 29 days
Anonymized · individual outcomes vary
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$19 subscription waived for the first month.
Subscription
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$9.50/mo
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1 month free — for you and your friend.
Forward your share link to anyone who’s gotten screwed by a bill, a denial, or a landlord. When they sign up and make their first transaction, you both unlock a free month.
Common questions
Answered.
- You may still have leverage. Demanding validation under FDCPA §809 forces the collector to produce a chain of ownership; many can't. Even when they can, NSA-related defenses can reduce or eliminate the underlying obligation. Charity-care eligibility under state hospital fair-pricing laws is another path.
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