Pricing
| Plan | Price | Where |
|---|---|---|
| Free tools: bill review, every letter, debt and credit letters, referrals | $0, no account | All 50 states + DC |
| Pro medical-bill assistant: AI drafts replies, deadline tracker, for one bill | $9 once | 31 states: AK, AL, AZ, CO, DC, DE, FL, HI, IA, ID, IN, KS, MD, MI, MS, MT, ND, NE, NV, NY, OR, PA, RI, SC, TN, TX, UT, VA, VT, WI, WV |
| Pro recurring-bill assistant | $9 once, or 15% of verified first-year savings (cap $45) | 30 states: AK, AL, AZ, CO, DC, DE, FL, ID, IN, KS, MD, MI, MN, MS, MT, ND, NE, NV, NY, OR, PA, RI, SC, TN, TX, UT, VA, VT, WI, WV |
| Human advocate (marketplace) | Set by the advocate; shown before you book | See the tool list |
Credit-report and debt-collector letters are always free: we never charge to fix a credit report. Medical bills are never priced as a share of the reduction. Paid checkout opens when live payments are switched on; until then Pro is not sold.
Compared with
| Service | Price | |
|---|---|---|
| Rocket Money bill negotiation | 35-60% of first-year savings; from 2026-11-02 needs Premium+ at $15/month | source |
| BillFixers | 50% of first-year savings (older sources); a 2026 report says $25/month | source |
| Hospital bill advocates | 25-35% contingency or $100-200/hour (KFF Health News) | source |
This is general information and a letter you send yourself, not legal advice. BillAdvocate does not contact anyone for you. BillAdvocate is not a law firm and is not your lawyer: letters are drafted by software (and, only if you ask, reworded by an AI service) from what you enter, and no lawyer has reviewed them. Check every fact, amount and date before you send, and talk to a lawyer or legal aid office if you are being sued or a deadline is close. These letters are not a substitute for the advice of an attorney.