Kill zombie subscriptions. Recover unauthorized charges. Fight unfair fees. AI-powered demand letters backed by real federal and state law.
Cancel anytime. Average family recovers 10x in month one.
Why millions of families need DebtShield
Per household in the United States
Unpaid medical bills in collections
Reported to the CFPB annually
Of original balance when disputes succeed
Three steps. Sixty seconds. One powerful letter.
Describe the charge, subscription, or fee. DebtShield identifies the laws that protect you.
Our AI crafts a professional demand letter citing the exact federal and state laws that apply.
Download your PDF, send it, and track your recovery progress. We escalate if they don't respond.
Our AI knows the specific laws that protect you for each dispute type.
Charges you didn't authorize or recognize
Services you cancelled that keep charging you
Unexpected price hikes on recurring services
Overdraft, maintenance, and hidden bank fees
Services that won't cancel or keep charging
Billed more than the agreed price
Surprise bills, balance billing, coding errors
Wrongfully denied insurance claims
Paid for something you never received
Every letter cites the specific federal and state statutes that apply to your situation. The Fair Debt Collection Practices Act, Fair Credit Billing Act, Truth in Lending Act, and more — our AI knows which laws protect your family and how to use them.
SAMPLE LETTER EXCERPT
Pursuant to the Fair Credit Billing Act, 15 U.S.C. § 1666, I am formally disputing the charge of $149.99 posted to my account on March 15, 2026...
Under Regulation Z, 12 C.F.R. § 1026.13, you are required to acknowledge this dispute within 30 days and complete your investigation within two complete billing cycles...
Failure to comply will result in the filing of formal complaints with the Consumer Financial Protection Bureau and the New Hampshire Attorney General's Consumer Protection Division...
Unlimited dispute letters. Cancel anytime.
Essential debt recovery tools for individuals
Full family debt recovery platform
Need more? See the full Pro Platform details →
The average American family loses $500+/year to unauthorized charges, zombie subscriptions, and billing errors. DebtShield fights back.
Start Your Recovery — $9.99/mo