Bills · EOBs · collection notices
Confused by a medical bill, EOB, or collection notice that makes your stomach drop?
We’ll help you understand every line — and how to respond.
Take a picture of the pages. Get plain-English explanations, the deadlines that matter, and calm scripts you can use. Your first reply can start the formal process — so you answer with confidence, not worry.
One simple price: $8
Secure checkout
Payments by Stripe
Your letter only
We don’t sell your documents
One clear price
No subscription required
Educational tool
Not a law firm or insurer
Preview is free — $8 only if you unlock the pack
Photograph every page. We don't sell your documents, and we never contact your insurer or collector.
Photo the papers in your hand
Camera is fastest on a phone. A PDF from your insurer portal works too. Add every page (up to 10).
We don’t sell your documents, and we never contact your insurer or collector. Default keep is about 30 days.
Not ready to upload yours?
Open a full sample pack (free) — then photo your real letter for a custom one.
Free check · 30 seconds
Do the EOB and the bill even match?
No upload yet. Answer four questions from the papers in your hand. Educational only — not a decision about what you owe.
What does the EOB say you owe (patient responsibility)?
What does the provider bill say is due?
Same date of service on both papers?
Same provider or facility?
When it arrives
Your stomach drops. The jargon doesn’t help.
When you understand it
You know what it means — and what to say next.
What you get
A pack for this letter — not a generic FAQ
- 1
What this letter actually says
Plain English for the document in your hand — who sent it, what they want, and which numbers matter.
- 2
What to do next
A short checklist for this situation: who to call, what to ask, and what to keep.
- 3
What to say
Calm call and email scripts based on your pages — so you can reply clearly instead of freezing.
How it works
From scary letter to clear next step
A short walkthrough — or try a free sample pack below the upload box first.
How this works
From scary letter to clear next step
Scary paperwork
Step 1 of 5
The letter arrives
A bill, EOB, or notice full of numbers and jargon. Your stomach drops. You don’t know if you should call, pay, or wait.
Why reply at all
You’re not powerless — a clear reply puts you back in control
That letter is written to make you pay fast or freeze. In many cases the sender also has rules. A careful response is how you use them — instead of hoping the problem goes away.
Silence rarely protects you
The drawer doesn’t stop interest, “past due” stamps, or a handoff to collections. Understanding the claim and answering on purpose is usually safer than waiting it out.
A response can buy time and start a process
Many notices include dispute windows, appeal deadlines, or validation language. Asking in writing for itemization or verification often requires them to answer under their own rules — and creates a record that helps you.
That’s what the pack is for
We flag deadlines and what they want, then draft call and email language so your first move is clear — not a panicked payment or a blank stare. Educational only; we don’t guarantee outcomes.
Rules differ by bill, EOB, denial, collection, or tax notice. Your pack is tailored to the letter you upload.
Built for a stressful moment
- Your letter, not a template. We read the pages you upload.
- No account required. Preview free, then one price if you unlock.
- Private by design. We don’t sell your documents or call anyone for you.
- No shame. This paperwork wasn’t written for ordinary people.
You don’t have to figure this out alone tonight
Upload your letter, get a free preview, and unlock the full pack for $8 only if it helps.
Take a photoCommon questions
Read a guide — or upload your letter for a custom pack.
- EOB says $0—but I got a bill
- Explanation of benefits vs bill
- How to dispute a medical bill
- My medical bill doesn’t match my EOB
- Is an EOB a bill?
- How to read an EOB
- What to do about a medical bill you don’t understand
- I don’t understand my medical bill
82+ guides on EOBs, bills, denials, collections, and more.
Educational tool only — not legal, medical, or financial advice. We don’t contact your insurer or collector for you. Amounts and dates depend on what we can read in your photos.