You should not need a lawyer to be treated fairly.

Most people who get a bill they cannot afford or a claim that gets denied just pay it or give up, not because the charge is correct, but because the rules are dense, the deadlines are short, and they were never told they have the right to dispute it.

The information you need to dispute an incorrect bill, a denied claim, or a credit error is not secret. It is scattered across agencies, written in hard to understand language, and the lawyers and advocates who understand it charge by the hour. We read the rules so you do not have to, the No Surprises Act for surprise medical bills, the Fair Credit Reporting Act for credit errors, the Fair Debt Collection Practices Act for collectors, and we built each kit around the exact rights and deadlines they give you.

Each Owedify kit is a guided app built on the actual statutes and deadlines that apply to your situation. It shows you each step, helps you write your own letters, calculates your deadline from the date you enter, and explains your rights in plain English. It is the same groundwork a paid advocate charges for, except you do it yourself and pay once.

Why I built Owedify

I am Abbie, and I started Owedify after going through this myself.

A while back I pulled my credit report and found errors on it: an account that was not mine, and a late mark for a bill I had already paid. Around the same time, I was looking at medical bills that did not match what I had been quoted. I could not afford a lawyer, and I did not know where to begin.

So I started reading, and it took weeks. I learned which law lets you dispute a credit report (the Fair Credit Reporting Act), how to ask a hospital for an itemized bill and check it line by line, and how to put a dispute in writing and send it the right way. I wrote the letters myself, sent them, and followed up. Some credit errors were removed. Some medical charges were corrected or dropped. I saved myself thousands of dollars.

The writing itself was manageable. What took time was finding what to say, which deadline applied, and where to send it. The information was out there, but it was spread across agencies and written in language that assumed you already knew the terms.

Owedify is the tool I wish I had then. Each kit asks plain questions about your situation, then helps you write your own letter using the right rule and the right deadline. You read it, change anything, and send it yourself. You keep control of your records and your case the whole way.

If I could do this without a law degree, you can do it too.

Abbie, founder of Owedify

What we believe

How we are different

A repair company or a settlement firm charges a monthly fee or takes a percentage of what you save, and you hand over your private records to do it. A lawyer charges by the hour. With Owedify you buy one kit, it is yours to keep, your records never leave your device, and you can use it again the next time you need it.