Take Back Control of Your Finances
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.
How It Works
Three steps. Sixty seconds. One powerful letter.
Tell Us What Happened
Describe the charge, subscription, or fee. DebtShield identifies the laws that protect you.
AI Generates Your Letter
Our AI crafts a professional demand letter citing the exact federal and state laws that apply.
Send & Track Recovery
Download your PDF, send it, and track your recovery progress. We escalate if they don't respond.
Every Type of Financial Dispute
Our AI knows the specific laws that protect you for each dispute type.
Unauthorized Charges
Charges you didn't authorize or recognize
Zombie Subscriptions
Services you cancelled that keep charging you
Price Increases
Unexpected price hikes on recurring services
Bank Fees
Overdraft, maintenance, and hidden bank fees
Subscription Billing
Services that won't cancel or keep charging
Overcharges
Billed more than the agreed price
Medical Bills
Surprise bills, balance billing, coding errors
Insurance Denials
Wrongfully denied insurance claims
Service Not Rendered
Paid for something you never received
Backed by Real Law,
Not Generic Templates
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...
Simple Pricing
Unlimited dispute letters. Cancel anytime.
Basic
Essential debt recovery tools for individuals
- Unlimited dispute letters
- All federal & state law citations
- Print-ready PDF + envelope
- Escalation guidance
- Subscription tracker
Pro
Full family debt recovery platform
- Everything in Basic, plus:
- Recovery dashboard & tracking
- Auto-escalation engine
- CFPB & AG complaint generation
- Debt payoff planning
- Plaid bank integration (coming soon)
Need more? See the full Pro Platform details →
Stop Losing Money to Billing Errors
The average American family loses $500+/year to unauthorized charges, zombie subscriptions, and billing errors. DebtShield fights back.
Start Your Recovery — $9.99/mo