Contracts, bills, denials, demand letters
Upload the document that's keeping you up at night. In minutes you get what it really says, which parts can hurt you, and the letter to send back.
The verdict is free. The full report is $29. If there's nothing to fight, you don't pay.
GUARANTEE OF PERFORMANCE. The owners of Merchant hereby guarantee Merchant's performance of all of the covenants made by Merchant in this Agreement ... Merchant shall (vi) ensure that the Corresponding Account shall be the sole depository for the Merchant's credit card settlements until such time as the Company has received the full Remittance Amount ...
Every card dollar has to land in their account first. If your POS offers “instant payout” to your own bank, using it breaks this promise, and this is the promise you signed for personally.
Most people never read the fine print because it takes hours and a law degree to decode. We do the reading, then hand you something you can act on today.
A photo from your phone works. So does a 40-page PDF with a scanned signature page.
Every clause that matters, marked Trap, Watch, or OK, with what it means in one or two sentences.
An appeal letter, a ledger request, or a counteroffer, drafted and ready. If you need a lawyer, we say so and tell you what to ask.
This is an actual merchant cash advance a New Hampshire restaurant signed: $17,000 up front, $23,799 paid back through 11% of every card sale. Here's what the four pages actually say.
4 pages, 1 scanned. Read in full, including the page of 8-point type.
“ensure that the Corresponding Account shall be the sole depository for the Merchant's credit card settlements”
Instant-deposit or cash-out features in your POS can route card money around them. That breaks a covenant, and covenants are exactly what you guaranteed personally. Check where instant deposits land before you say anything to the collector.
“the Company shall have all of the rights and remedies of a secured party under Article 9 ... five days notice constitutes reasonable notice.”
They hold a lien on your accounts, equipment, inventory, and business name. After a breach they can move on that collateral without a lawsuit, as long as there's no confrontation, and must give 5 days' notice before selling it. The realistic move is telling your card processor to pay them directly.
“not sell, dispose, convey or otherwise transfer its business or assets without the express prior written consent of the Company”
A sale without written consent is a covenant breach, which makes you personally liable. Any sale has to pay them off or get their consent at closing.
“an account monitoring fee of up to $200 per month ... This fee will automatically begin if the contract goes into Default.”
If the balance they quote is higher than $23,799 minus what you've paid, this fee is a likely reason. Ask for the full ledger in writing.
“Neither this guaranty nor the Agreement is a guaranty or promise of payment by a certain date”
You guaranteed that you'd follow the rules, not that the business would earn the money. If sales drop honestly, that's their risk.
“governed by ... the laws of the State of Florida ... any Florida state or federal court sitting in Hillsborough County”
They can't get a judgment on paperwork alone. They have to sue in Florida, serve you, win, and then register the judgment in your state before they can collect on it.
Anything written by the side with more lawyers than you.
We find the reason code, check it against your plan, and draft the appeal. Most denied claims are never appealed.
“not medically necessary”
Line-by-line check for duplicate charges, out-of-network surprises, and codes that don't match what happened.
“balance due upon receipt”
Guaranties, liens, default triggers, and whether the balance they quote matches the math.
“secured party under Article 9”
Personal guaranties, CAM charges, renewal traps, and what happens to your equipment if you leave.
“triple net, plus operating expenses”
Who they are, whether the debt is valid, what they're allowed to say, and what they're bluffing about.
“final notice before legal action”
Auto-renewals, cancellation windows, and early termination fees before you sign.
“shall automatically renew”
No hourly meter. The verdict is always free, and if the document is fair and there's nothing to fight, the full read is free too.
If the denial is legitimate or the contract is fair, the report says so. You don't pay to be told a fight is worth it when it isn't.
Our letters say only true things. A true letter holds up. A clever one that isn't true turns a contract dispute into a fraud claim.
We explain documents and draft letters. When you need a court filing or a negotiator, we say so on page one.
PDF, photo, or screenshot. Read in minutes.