We hunt your
refunds.
Upload any bill, we kill it. HOA fines, property tax, code violations, subscriptions, medical bills: we find what’s wrong, write the dispute citing the exact law, and track it until you’re paid back.
Free scan • Statute-cited letters • Pay per fight or only if you save
Drop any bill here
PDF or photo. HOA fine, tax notice, ticket, subscription, medical, anything.
Choose a fileBill types we read: HOA fine, Property tax, Code violation, Subscription, Medical, Insurance denial, Lien, Merchant statement, Utility, Solar true-up, Rent increase, Contractor bond, Warranty, Ticket, Council tax
78.1M
Americans live in HOAs and condo associations
Source: Foundation for Community Association Research, 2025
$797B
in US state and local property tax collected in 2024
Source: US Census Bureau via NAHB
Up to 80%
of medical bills contain errors, billing advocates estimate
Source: Becker's Hospital Review (2016), via NBC Chicago
How it works
- 01
Upload
Drop the bill. We read the type, amount, dates and who sent it.
- 02
Audit
We check it against the rules for your state or country.
- 03
Dispute
You get the letter, citing the exact statute, ready to send certified.
- 04
Track
Deadlines, responses and follow-ups in one dashboard.
- 05
Refund
Fine dismissed, bill reduced, money back.
Live now
Pick your fight
HOA Fine Fighter
Fined by your HOA? Most states require notice and a hearing first. We check yours.
- No written notice or hearing before the fine (FL 720.305, TX 209.006, CA Civ. Code 5855, NV NRS 116.31031)
- Fine above the state cap (FL $100 per violation / $1,000 total unless your documents allow more; NV $100 / $1,000)
- Fine larger than your CC&Rs or fine schedule allow
Property Tax Appeal
Your assessment is a number someone typed. Challenge it with comps.
- Market value: assessed value above comparable sales
- Record errors: wrong square footage, bedrooms, bathrooms, pool, lot size
- Uniformity: assessed higher than similar homes on your street
Code Violation & Fine Reduction
Daily code fines add up fast. Fix it, prove it, then ask for the reduction.
- Fine above the legal daily cap (FL 162.09: $250/day first violation, $500/day repeat, for most local governments)
- Fine kept running after the violation was fixed
- Retro permit / as-built package to show compliance
Subscription Killer
Find the recurring charges you forgot, and cancel the ones that make it hard.
- Signed up online but can't cancel online (ROSCA, 15 USC 8403; California Auto-Renewal Law, B&P Code 17602)
- Charged without clear consent to auto-renew
- No renewal reminder on annual plans (California: 15-45 days before renewal)
Medical Bill Audit
Duplicate charges, unbundled codes, surprise bills. Free audit, pay only if you save.
- Out-of-network emergency or in-network-facility bills (No Surprises Act, 45 CFR 149.410 / 149.420)
- Self-pay bill $400+ over your Good Faith Estimate: dispute within 120 days (45 CFR 149.620)
- Duplicate and unbundled charges; ask for the itemized bill
Insurance Claim Fighter
Health or home claim denied or lowballed? Appeal it with the rules insurers must follow.
- Health denials: specific reason required, 180 days to appeal (29 CFR 2560.503-1)
- Property denials without an investigation (state Unfair Claims Settlement Practices Acts)
- Appraisal clause in your policy for amount disputes
LienBuster
A contractor lien on your California home? Check whether it was filed on time.
- Preliminary notice served (Civ. Code 8204)
- Recorded on time (Civ. Code 8412, 8414)
- Lawsuit filed within 90 days (Civ. Code 8460)
Merchant Fee Killer
Card processing statement: find the junk fees and the rate you're really paying.
- Effective rate (total fees / volume)
- PCI non-compliance, statement and junk fees
- Downgraded transactions
Utility Bill Audit
Wrong tariff, phantom meters, unclaimed exemptions.
- Wrong rate schedule
- Meter not yours
- Unclaimed exemptions
Solar True-Up Killer
Big annual true-up? Check your rate plan and export settings.
- Rate plan fit
- Export vs self-consumption
- NEM statement errors
Rent Shield
Rent increase notice in California? Most increases are capped. Check yours.
- Above 5% + CPI, max 10% (Civ. Code 1947.12)
- More than two increases in 12 months
- 30 or 90 days' notice (Civ. Code 827)
Contractor Stack Slasher
Contractor bond, GL and workers' comp: check you're not overpaying.
- Bond premium vs credit tier
- Workers' comp class codes
- GL premium benchmark
Warranty & Return Killer
Claim denied or return refused? Federal warranty law limits what sellers can refuse.
- Coverage denied over other-brand parts or service (Magnuson-Moss, 15 U.S.C. 2302(c))
- Implied warranty disclaimed despite a written warranty (15 U.S.C. 2308)
- Defective goods not fit for ordinary use (UCC 2-314)
Ticket Killer
Parking, toll or camera ticket: check the notice and the signs.
- Wrong plate or vehicle details
- Signs and markings
- Deadlines for the notice
UK Council Tax Band
In a higher band than your neighbours? Ask the VOA for a band review.
- 1991 value vs your band (England)
- Neighbours' bands
- Risk: a review can move your band up
Plans
Let it run in the background
Warranty, Return & Subscription Killer
One plan for every warranty claim, return and subscription: home warranties, commercial equipment, online returns.
- Unlimited warranty, return and cancellation letters
- Renewal and return-window alerts
- We call the company for you (AI voice agent)
- 30% of money recovered, nothing if we recover nothing
$9/mo + 30%
$9/month plus 30% of money recovered
AI Life Admin Second Inbox
Forward anything: bills, notices, renewals. We pull out the deadlines and fight what's wrong.
- Your own forwarding address
- Deadline and amount extraction from any email, PDF or photo
- Dispute letters drafted automatically
- AI phone calls to billing departments
- Deadline reminders
$19/mo
$19/month, cancel online any time
Free scan
Got a bill you think is wrong?
The scan is free. You only pay when you want the letter.