# FightThis.ai > FightThis.ai drafts professional dispute letters with AI — for insurance denials, IRS notices, medical bills, debt collectors, credit reports, parking tickets, and more — grounded in the actual statutes, deadlines, and appeal rights that apply to your case. Free preview before you pay. Optional USPS mailing, including Certified Mail, from the same checkout. FightThis is a drafting tool, not a law firm and not legal advice. It does not represent users, review cases for legal merit, or provide attorney services. It gives ordinary people the same written language institutions use, without requiring a lawyer. Each letter is generated from the user's own document — a denial, bill, notice, or ticket they upload or paste — not selected from a template library. The AI reads the document, identifies the applicable rules and procedural deadlines, and produces a specific, citation-grounded letter addressed to the correct recipient. Users see a substantial preview (opening paragraphs, tone, citations, structure) before paying anything. Letters unlock from $9.99 to $49.99 depending on vertical. USPS mailing is optional: First-Class $7.99, Certified $19.99, Certified with Return Receipt $24.99. Uploaded documents are encrypted in transit and at rest, deleted automatically after 30 days, and never used to train AI models. Operated by FightThis.ai LLC (Arizona). Built and run by a single engineer. ## Disputes we draft - [Insurance Denial Appeals](https://fightthis.ai/insurance-appeals): Appeal a health-plan denial or prior-authorization refusal, citing plan obligations, review requirements, and response deadlines — or an auto carrier's denial, low total-loss valuation, underpaid repair estimate, or fault determination, argued from the policy. One form; the customer picks which kind of insurance and only that framework is used. - [Medical Bill Disputes](https://fightthis.ai/medical-bills): Request itemized billing, challenge charges, and negotiate self-pay balances in writing. - [IRS Notice Responses](https://fightthis.ai/irs-notice): Respond in writing to CP2000 and similar proposed-adjustment notices instead of paying by default. - [Debt Collector Disputes](https://fightthis.ai/debt-disputes): A keyword page for the collector sub-type of Charge and Debt Disputes — not a separate product. Letters to a collection agency under the FDCPA: demand verification of the debt, require contact to stop, dispute it, or offer a settlement. Drafted on the Charge and Debt Disputes form with the collector track preselected, at the same price. - [Credit Bureau Disputes](https://fightthis.ai/credit-bureau-disputes): Dispute inaccurate accounts or late payments and require the bureau to investigate. - [Charge and Debt Disputes](https://fightthis.ai/credit-card-disputes): One form, three recipients. A Fair Credit Billing Act billing-error notice to a card issuer; a contract-based refund demand to a merchant that will not honor its own cancellation or refund policy; or an FDCPA letter to a debt collection agency. The customer says whether it is a charge or a collector; the facts decide issuer versus merchant. - [Regulatory Complaints](https://fightthis.ai/regulatory-complaints): File a clear, factual complaint with the agency that oversees the company, on the record. - [Parking Ticket Contests](https://fightthis.ai/parking-tickets): Contest a citation with a short, factual, evidence-organized letter a hearing officer expects. - [Vehicle Insurance Appeals](https://fightthis.ai/vehicle-insurance-appeals): A keyword page for the auto sub-type of Insurance Denial Appeals — not a separate product. Appeal auto claim denials, total-loss valuations, repair estimates, and fault determinations. Drafted on the Insurance Appeals form with the vehicle track preselected, at the same price. - [Utility / Telecom Bill Dispute](https://fightthis.ai/utility-telecom-disputes): Dispute billing errors, fees, and service charges from electric, gas, water, phone, wireless, internet, and cable providers, with the correct regulator named for the service type. ## How it works - [How It Works](https://fightthis.ai/how-it-works): Three steps. Upload or photograph the document, review a free preview of the drafted letter, unlock the clean version and print it yourself or have it mailed. - [Mail Service](https://fightthis.ai/mail): Commercial-grade printing, addressing, postage, certified labeling, USPS tracking, and delivery confirmation by email. Most disputes fail because the letter never gets mailed. - [Technology](https://fightthis.ai/technology): How the drafting system reads documents and grounds letters in applicable rules. ## Why written disputes work - Roughly 53% of insurance appeals succeed when they are actually filed, while only about 1% of denials are ever appealed (KFF Health Tracking Poll). - Industry estimates put 40–70% of self-pay medical balances at settling on negotiation. - Federal debt collection law lets a court allow additional damages of up to $1,000 in an individual action, on top of actual damages, plus costs and a reasonable attorney's fee in a successful action (15 USC § 1692k). That $1,000 is a ceiling in the case, not an amount per violation. - Insurers, agencies, collectors, and cities all have a documented path back. The path requires specific, well-grounded writing — which is the only thing FightThis produces. ## Company - [About](https://fightthis.ai/about): Who built FightThis and why. - [FAQ](https://fightthis.ai/faq): Common questions on scope, legality, data handling, and when to hire an attorney instead. ## Legal - [Legal Disclaimer](https://fightthis.ai/legal/disclaimer): FightThis is a drafting tool. It is not a law firm, does not provide legal advice, and does not represent users. Disputes over $10,000, ongoing litigation, criminal exposure, or emotionally complex matters should go to a licensed attorney. - [Privacy Policy](https://fightthis.ai/legal/privacy): Encryption, 30-day automatic deletion, no model training on user data. - [Terms of Service](https://fightthis.ai/legal/terms) ## Full text - [llms-full.txt](https://fightthis.ai/llms-full.txt): every published guide inlined as markdown — the complete substantive corpus in one fetch. ## Optional - [Sign In](https://fightthis.ai/login): Access previously drafted letters and mailing status.