You're dealing with a billing dispute. Here's exactly what we are, what we aren't, how we work, and what protects you — no hype.
ContestMyBill is an AI document-preparation tool. You describe your billing dispute and our AI generates a professionally written, legally referenced dispute letter specific to your situation. We cover eight dispute types: medical bills, HOA fines, utility overcharges, insurance denials, credit card charges, collection notices, subscription charges, and security deposits.
You need one dispute letter, not a monthly service. We charge a flat $29 per dispute. No account required. No subscription. No recurring charge. Stripe processes the payment directly — we never store your card.
Every letter references the actual federal or state statute that applies to your dispute:
Gives you 60 days from your statement date to dispute a credit card billing error. The card issuer must acknowledge within 30 days and resolve within 90.
Gives you 30 days after a debt collector's first contact to demand written validation of the debt. Collection activity must stop until they comply.
Bans surprise out-of-network bills for emergency care and certain scheduled services at in-network facilities. Providers who violate it are liable to refund the overcharge.
Requires insurers to offer an internal appeal process and, in most states, an external independent review. Internal appeals must be resolved within 60 days (non-urgent) or 72 hours (urgent).
Requires subscription businesses to make cancellation as simple as sign-up. Billing after cancellation is a violation you can cite in your dispute letter.
Gives you the right to request a fully itemized medical record and bill within 30 days. An itemized bill is your starting point for identifying duplicate charges, upcoding, and unbundled services.
Nonprofit hospitals must have a written financial assistance (charity care) policy and cannot charge more than the Medicare rate to patients who qualify.
Every state sets a deadline (14–60 days after move-out) for landlords to return security deposits with an itemized deduction list. Missing the deadline forfeits deduction rights in most states.
Every state PUC gives you the right to dispute a utility billing error in writing. Your utility generally cannot disconnect service while a formal dispute is pending.
Free letter revisions: if you're not satisfied with your letter, reply to your confirmation email and we will revise it at no charge.
7-day money-back guarantee: if you want a refund within 7 days of purchase, email us and we'll process it — no questions asked.
We collect your name, email, and bill details to generate your letter. We never sell, rent, or share your personal information with third parties. Your email receives dispute follow-up tips only — you can unsubscribe at any time. Payment is processed by Stripe (PCI-DSS Level 1) — we never see your card number.
No. ContestMyBill.com is a document-preparation tool, not a law firm. Our AI generates a professionally written dispute letter — it does not provide legal advice and does not create an attorney-client relationship. For legal advice, consult a licensed attorney.
No — and we won't pretend to. Outcomes depend on your biller, the specific error, and your documentation. We guarantee a quality letter: professionally written, legally referenced, and specific to your situation. If you're not satisfied, we'll revise it free or refund you within 7 days.
Because you need one letter, not a recurring bill. We charge a flat $29 per dispute, require no account, and we never store your card. Stripe processes the payment directly — we receive only a transaction confirmation.
We collect your name, email address, and the bill details you enter to generate your letter. We never sell, rent, or share your information with third parties. Your email goes to a follow-up sequence with dispute tips — you can unsubscribe at any time.
Yes. ContestMyBill works for medical bills, HOA fines, utility overcharges, insurance denials, credit card charges, collection notices, subscription charges, and security deposits. Each letter is tailored to the specific laws and agencies relevant to your bill type.
Your letter includes certified mail instructions so you have a paper trail. If a first letter is ignored, your purchase includes a free escalation template — and many disputes are resolved at the state AG or regulatory agency level when the initial letter is documented.
One email when your dispute deadline is close. No spam. Unsubscribe anytime.