Denied claims, fraudulent charges, medical bills that make no sense, contracts written to be misread. I read the paperwork you were sent, end to end. There is no charge, ever.
Fewer than 1% of all denied health insurance claims are formally appealed by consumers.
KFF — Claims denials and appeals in ACA marketplace plans in 2024
“These ultra-wealthy companies know average Americans do not have the time to negotiate an appeal. I will make sure they are held accountable.”
Insurance denials, surprise bills, coding errors, balance billing and the appeal windows nobody points out to you.
Unauthorized charges, chargebacks that went nowhere, subscriptions that will not die, and what your card issuer is actually required to do.
Debt collection letters, predatory loan and lease terms, threatening notices, and demands that turn out to have no teeth.
How a review works
01
The denial letter, the bill, the statement, the contract, the emails. Redact anything you would rather I not see — names and account numbers are rarely what matters.
02
Line by line, including the plan documents, terms and fee schedules the letter points to and assumes you will never open.
03
What the document actually says, where it contradicts itself or its own rules, what your options are, and every deadline you are working against.
04
Sometimes that is an appeal, a dispute letter or a phone call with the right words in it. Sometimes it is a professional, and I will tell you plainly when it is.
What you get back
No forms to fill out, no portal, no case number. You get a written note in ordinary language, pointing at the specific line that matters and what it means for you. If your document does not say what the letter claims it says, that is usually where a denial comes apart.
You do not need to know whether you have a case. That is the part I can help with. Nothing about this costs money, and I will say so if there is nothing there.