Guides
Know your rights. Then use them.
Guides to fighting medical bills, insurance denials, debt collectors, and IRS notices, citing the actual statutes.
Insurance Appeals
ERISA Appeal Letter: Template, Deadlines and Rules
If your health plan comes through work, ERISA gives you 180 days to appeal and a right to the insurer's whole claim file — for free. Here's how to use both.
How to Appeal a Health Insurance Denial (2026 Guide)
Insurers denied 19% of in-network claims in 2024 — and consumers appealed fewer than 1%. Here's how to appeal, with the deadlines and laws that back you.
Medical Bills
How to Fight Medical Bills: A Step-by-Step Guide
Most medical bills arrive as a summary, not an itemized list — and errors hide in the gap. How to demand the detail and dispute what's wrong.
Surprise Medical Bill? What to Do Under Federal Law
The No Surprises Act bans most out-of-network bills from ER visits and in-network hospitals. How to tell if yours is illegal — and how to dispute it.
IRS Notices
IRS CP14 Notice: What It Means and What to Do
A CP14 says you owe. New for 2026: the IRS now waives some penalties automatically. What to check, how to dispute, and how to get relief.
IRS CP2000 Notice: How to Respond (and Disagree)
A CP2000 is a proposal, not a bill — and not a tax audit. How to read it, when to disagree, and what happens if you let the deadline pass.
Debt Collector Disputes
Debt Validation Letter: Template and 30-Day Rule
Federal law gives you 30 days to demand proof of a debt — and collection must stop until they provide it. Here's how to write the letter. Free preview.
FDCPA Violation Letter: How to Document and Send One
Break the FDCPA and a court can award you damages, up to $1,000 more, and attorney's fees — but only for one year. How to document violations and write the letter.