What I review
Three kinds of paperwork come up again and again. All of them are long, all of them cite rules they do not include, and all of them are easier to argue with once someone has read them properly.
Healthcare
Denial letters checked against your own plan documents. Itemized bills checked for duplicate charges, coding errors and services you never received. Appeal deadlines pulled out and put in front of you.
Financial
Unauthorized charges, disputes the bank closed against you, recurring billing you never agreed to, and the difference between what your issuer says it can do and what it must do.
Legal
Collection notices for debts that may not be yours or may be past the limit. Leases, loans and settlement offers read for the clause that costs you later. Threats read for whether they are enforceable at all.
Where the line is
| A review includes | A review does not include |
|---|---|
| Reading every page you send, plus the documents it references | Representing you, filing on your behalf, or speaking to anyone for you |
| A written overview in plain language, with the lines that matter quoted back | Legal, medical or financial advice, or an opinion on what you should choose |
| Every deadline I can find, and which one comes first | A guarantee about how an insurer, bank or court will respond |
| A straight answer on whether you need a professional, and what kind | A referral fee, a paid tier, or an upsell of any sort |
Send it anyway. If it is outside what I can usefully read, I will say so and point you somewhere better rather than sit on it.