Stop Medical Collection Calls. We Draft & Rush Ship Your Dispute.
Instant AI Analysis • Sent via USPS Certified Mail® • 100% Legal Paper Trail
1) Generate • 2) Review • 3) Send (Certified Optional)
Takes ~2 minutes · Instant preview
No paperwork. No legal knowledge required.
We generate the dispute for you using federal debt-validation rules.
"I wasn't sure what to send them and didn't want to mess it up. This gave me something I could actually use — the calls stopped after that."
— Emily D., Philadelphia
How It Works
Snap a Photo
Upload your collection letter. Our AI extracts the data instantly.
Review
Review for Free. See your legal dispute drafted in seconds.
We Mail It
We Rush Ship Certified. You get a tracking number; they get a warning.
Snap a Photo
Upload your collection letter. Our AI extracts the data instantly.
Review
Review for Free. See your legal dispute drafted in seconds.
We Mail It
We Rush Ship Certified. You get a tracking number; they get a warning.
Section 809 was developed by consumer rights advocates to level the playing field against aggressive medical debt collectors.
Why 90% of People Fail to Dispute Debt Alone
The system is designed to wear you down. Here's what you're up against — and why Section 809 changes everything.
The DIY Way
- Ignoring HIPAA violations
- Paying for unverified errors
- Constant collector harassment
- No legal leverage
Section 809
- Forced Audit of Records
- Federal Law Protection
- Immediate Collection Pause
- Full audit trail
80% of debt collectors lack the original contract or itemized bill required by federal law.
Without proper documentation, they cannot legally collect — and you have every right to demand it.
Legal Framework
Why Validation Works
The Itemized Audit
Most debt collectors only purchase a spreadsheet with your name and a dollar amount — not your actual medical records. Federal law requires them to produce itemized documentation to legally collect.
The 30-Day Window
Under 15 U.S.C. § 1692g, you have 30 days from first contact to demand validation. Once you do, all collection activity must stop until they provide verified proof.
Error Rates
The CFPB reports that medical debt is the most error-prone category of consumer debt. Billing mistakes, duplicate charges, and insurance miscommunication are rampant.
Your Legal Advantage
Section 809 of the FDCPA gives you powerful rights. Here's how we help you use them.
The Medical Record Gap
80% of medical debt is sold without the original itemized bill. If they can't produce the records, they can't legally collect.
Medical Debt Specialist
Medical records are notoriously incomplete when sold to collectors. This makes medical debts the easiest to challenge with a validation request.
Certified Mail & Tracked
With our $29 Certified option, we handle everything — printing, USPS Certified Mail, and tracking with proof of delivery.
No Lawyers. No Court.
This isn't a lawsuit — it's a formal demand backed by federal law. You don't need to hire an attorney. Send the letter, and let the law work for you.
Choose How You Want to Send It
Both options include the same professionally-drafted letter.
Standard PDF Download
- Instant PDF download
- Full 3-page legal letter
- You print and mail it
Certified Legal Dispatch
one-time
Avoid mistakes collectors rely on. Sending this letter incorrectly, without tracking, or without proof can allow collection activity to continue.
We print, send it certified, track delivery, and retain proof — so you don't have to.
- Certified mail with tracking
- Proper formatting and timing
- Proof retained if the collector ignores the law
Nothing is sent without your approval.
100% Money-Back Guarantee if you are not satisfied with your letter.
Frequently Asked Questions
Real Support from Real People
Dealing with debt is stressful. If you have questions about how our tool works or your rights under the FDCPA, our US-based team of consumer advocates is standing by.
Contact SupportCollectors rely on fear. This forces proof.
Create My Letter100% Satisfaction Guarantee. If our tool doesn't meet your needs, we offer a full refund.
Questions? Our US-based support team of consumer advocates is here to help.