Response plan
Educational tool — not legal advice. U.S. medical debt only. This helps you assert rights the law already gives you; it does not erase a debt you genuinely owe, and you must never put false statements in a dispute. Laws and the credit-reporting rules change — verify the current status and consider free legal aid.

Medical Debt AssistantReduce or remove medical debt the lawful way — make them prove it's valid, prove they own it, give you charity care you qualify for, and report it accurately

① Tell me about the debt → get a plan
Who is asking you to pay?
The original hospital / doctor A collection agency A debt buyer (a company that bought the debt) Not sure
Has the debt been sold or transferred at least once? (the company contacting you isn't the original hospital)
Yes / likelyNoNot sure
Is the original hospital a nonprofit? (most U.S. hospitals are)
Yes / likelyNo / for-profitNot sure
Is it showing on your credit report?
YesNo / don't know
Did you ever get a fully itemized bill (every charge & code)?
NoYes
Was it a surprise / out-of-network bill (emergency, or a provider you didn't choose at an in-network facility)?
Yes / maybeNo
When did the collector FIRST contact you?
Within the last 30 daysLonger ago
③ Generate your letters
Fill in what you know (leave blanks — you can edit the letter after). Nothing is sent anywhere; this runs entirely in your browser.
Pick a letter
④ Know your rights U.S. law
This is general information about federal law; states add protections and the details (and the credit-reporting rules) change. Confirm the current rules and your state's, and get help from the free resources below.
⑤ Free help
You don't have to do this alone — these are free or nonprofit:
Legal aid near you (LSC) Consumer attorneys (NACA) File a CFPB complaint Dollar For (charity-care help) Nonprofit credit counseling (NFCC) Free credit reports Your state Attorney General