Disclaimer

Last updated: July 2026

Estimates, not advice

Every number this site produces is an estimate for education. The calculators show how stated, cited formulas behave with the numbers you enter. They do not know your contract, your issuer’s exact formula, your provider’s billing practices, or the rest of your finances — so their output is arithmetic, not advice. Nothing here is legal, tax, financial, or investment advice, and nothing here creates a professional relationship of any kind.

We are not a debt relief service

Debt & Bills does not negotiate debts, settle debts, repair credit, consolidate loans, or contact creditors, collectors, hospitals, or anyone else on your behalf — and it never will through this site. We make no claims about how much anyone can save, because we cannot know. If a page links to a company that provides services, that link is clearly marked, and what that company offers is its own to explain and yours to evaluate.

Letters are templates

The negotiation letters summarize rights that exist in federal law — the No Surprises Act, IRS section 501(r), the Fair Debt Collection Practices Act, the CMS hospital price transparency rule — with citations to the official text. Whether those rights apply to your specific bill depends on facts we cannot see. Every rendered letter says this on its face. For advice about your situation, consult a licensed attorney; for medical-bill assistance programs, the hospital’s own financial assistance office is the authoritative source.

Healthcare prices are context, not quotes

Cash-price figures on the costs pages are ranges from published research and, where stated, from hospital-reported data under the CMS price transparency rule. They are context for a conversation, not a quote, and the price a specific provider offers you is the only price that matters. Provisional figures are labelled as provisional wherever they appear.

When numbers change

Reference values — issuer minimum-payment conventions, average card rates, poverty guidelines — change on their publishers’ schedules. Each carries the date we last verified it against its source, and the changelog records every update. If a figure’s year has passed and the new figure has not been verified yet, the page says “update pending” rather than showing the stale number as current.