Crush Your Debt.
Fix Your Credit.
AI-powered bill analysis, collections defense, and credit repair — all in one place. Upload a bill or credit report and our AI does the rest.
🛡️60-Day Money-Back Guarantee
We guarantee at least 1 removal — or your money back.
$200B+
Americans overpay annually on medical bills
80%
of medical bills contain errors or overcharges
79%
of credit reports contain at least one error
How It Works
Three simple steps to take back control of your medical bills and collections.
Upload or Describe
Upload your bill, paste collector communications, or describe your debt. We accept photos, PDFs, emails, and text.
AI Analyzes Everything
Our AI cross-references thousands of billing codes, fair market prices, and legal protections to find every error and opportunity.
Get Your Arsenal
Receive dispute letters, negotiation scripts, settlement offers, and a complete defense strategy — ready to send.
Your Weapons Against Unfair Debt
Medical Bill Analyzer
Upload any medical bill and our AI instantly identifies overcharges, duplicate charges, and billing errors.
- ⚡CPT code verification against fair market rates
- ⚡Duplicate charge detection
- ⚡Upcoding identification
- ⚡Auto-generated dispute letters
- ⚡Itemized bill request templates
Credit Repair
Upload your credit report and our AI finds every disputable item and generates dispute letters for all 3 bureaus.
- ✓AI reads your entire credit report
- ✓Identifies every disputable item
- ✓FCRA-compliant dispute letters × 3 bureaus
- ✓Goodwill & pay-for-delete letters
- ✓One-click send via certified mail
Collections Crusher
Being contacted by collectors? We arm you with legal defenses, settlement strategies, and violation reports.
- 🛡️Debt validation letter generation
- 🛡️Settlement offer calculations (pay 30-50¢ on the dollar)
- 🛡️FDCPA violation detection
- 🛡️Statute of limitations checker by state
- 🛡️Negotiation scripts + phone guides
256-bit Encryption
Bank-level security for your data
Auto-Delete After Analysis
Your bills are never stored permanently
HIPAA-Compliant Processing
Your medical data stays protected
Simple, Fair Pricing
No hidden fees. No subscriptions required. Pay only if we find savings.
Bill Analysis
AI-powered medical bill & debt analysis
- ✓Complete bill error & overcharge analysis
- ✓Dispute letter generation
- ✓Settlement recommendation & letter
- ✓Negotiation script with talking points
- ✓Statute of limitations check
- ✓100% money-back guarantee
Credit Repair
AI credit report analysis + personalized dispute letters
- ✓Full credit report AI analysis
- ✓Bureau dispute letters (Equifax, Experian, TransUnion)
- ✓Goodwill & pay-for-delete letters
- ✓FCRA violation detection
- ✓Personalized with your info — ready to mail
- ✓60-day money-back guarantee
People Are Fighting Back
“DebtCrusher found $3,200 in overcharges on my ER bill. The dispute letter worked — hospital reduced my bill by 60%.”
Sarah M.
Austin, TX
“A collector was harassing me for a debt past the statute of limitations. DebtCrusher caught it and generated a cease letter. Debt gone.”
James R.
Columbus, OH
“I was about to pay $4,800 for a surgery bill. The AI found duplicate charges and upcoding. Settled for $1,900.”
Maria L.
Miami, FL
Frequently Asked Questions
Is my medical data safe?▼
Absolutely. We use 256-bit encryption, HIPAA-compliant processing, and auto-delete your data after analysis. We never store your bills permanently or share your information with third parties.
How accurate is the AI analysis?▼
Our AI cross-references your bill against a database of thousands of CPT codes, fair market rates, and common billing errors. We catch overcharges that most people would never notice. If we don't find savings, you get a full refund.
What types of bills can you analyze?▼
Medical bills, hospital bills, ER bills, dental bills, lab bills, and collection notices. We support PDF uploads, photos/screenshots, pasted text, or manual description of your charges.
How does the money-back guarantee work?▼
We guarantee at least 1 item removed from your credit report within 60 days. If not a single disputed item is removed, you get a full $9.99 refund. Simply come back to our Verify Results page, upload your updated credit report, and if zero items were removed, claim your refund instantly.
Is this legal advice?▼
No. DebtCrusher provides educational information and generates template letters based on established consumer protection laws. We are not a law firm and do not provide legal advice. For complex legal matters, we recommend consulting with a consumer protection attorney.
How long does the analysis take?▼
Most analyses complete in under 60 seconds. Complex bills with many line items may take up to 2 minutes.
Stop Overpaying.
Start Fighting Back.
Join thousands who've saved money on their medical bills and defeated unfair collections.
Crush My Bill Now →