A quick tour of what happens when you upload a bill, and what to expect from the output.
Any bill, any format. Encrypted in, destroyed after.
PDF, photo, or screenshot of your bill. Cable, internet, cell, hotel folio, insurance, credit card statement. Up to 10MB. Most people drag a PDF directly from their email. If you only have a paper bill, a photo works.
Your file is encrypted in transit using AES-256-GCM. Identifying metadata (EXIF data from photos, hidden document properties from PDFs) is stripped before processing. After analysis, the bill is destroyed. We don't keep the content.
The AI checks every charge against real settlements, rules, and industry playbooks.
Our AI reads your bill line by line and flags charges that have a documented history of being disputable. It's checking against a reference database of:
Class action settlements. Verizon's Administrative Charge ($100M settlement, October 2024). Greystar's hidden rental fees ($24M settlement, December 2025). Others.
FTC rules and regulations. The Junk Fees Rule (16 CFR Part 464), effective May 2025, covering short-term lodging and live-event ticketing.
State consumer protection laws. Nine states now have junk fee laws on the books: New York, Tennessee, Connecticut, California, Maryland, Colorado, Minnesota, Massachusetts, Virginia.
Industry practice. Fees that retention departments commonly negotiate, credit, or waive, documented across consumer advocacy resources, provider forums, and consumer reporting.
What we flag are line items with some documented basis for being questioned. What we don't flag, because it's beyond our scope, are charges that might be unusual for your specific situation, billing errors specific to your account, or fees whose legitimacy depends on facts only you know.
You see a preview before anything unlocks. Clean bills stay clean.
Before the full report unlocks, you see a preview: the provider name, the count of flagged items, and an estimate of potential savings.
If we don't find anything worth flagging, we say so. No manufactured problems. Clean bills stay clean.
One email. No account. No upsell.
One email. No password, no account to delete later, no credit card.
Why the gate? Two reasons. First, it lets us send you a PDF of the report so you have it on hand if you decide to call. Second, it lets us notify you if a new class action or regulatory action affects a provider on your bill. You can unsubscribe in one click.
We don't sell your email. We don't share it with bill providers. We don't use it for marketing from any company with reason to want fees kept high.
Every charge, why it's disputable, and the exact words to say on the phone.
For each flagged charge:
The scripts are examples, not guarantees. They're based on approaches that have worked for other consumers. Whether they work for you depends on your provider, your account history, and the rep you happen to reach.
Make the call, hand it off, or walk away. All three are fine.
Once you have the report, you have options.
Make the call yourself. Use the scripts as a starting point. Stay polite, be specific, and ask for retention if the first rep can't help. Most fees that come off at all come off on the first or second call.
Have someone else make the call. If you'd rather not spend 30 minutes on the phone, services like BillShark and Rocket Money handle negotiations professionally for a percentage of the savings. We have affiliate relationships with both. If you use one of those services through our links, we earn a commission.
Do nothing. Plenty of people read the report, decide the fees aren't worth fighting, and move on. That's a valid choice too. At least you know what's on your bill.
We read bills. We don't fight for you, and we don't give legal or financial advice.
The stuff people ask before they upload.