The rules where you live.
The law changes at the state line. Every case shows the rules for your state, with a source link: deposit deadlines, debt time limits, medical debt protections, appeal windows and small claims limits.
Debt collectorWhat we found
You may owe up to$2,312 less
1 · They haven't proven you owe itFDCPA validation2 · It may be past the time limitStatute of limitations3 · Don't pay yetPaying can restart the clock
Write my letter
LandlordWhat we found
You may owe up to$1,800 less
1 · No itemized list in timeState deposit law2 · Normal wear and tear charged$650Wear and tear3 · You may be owed a penaltyBad-faith withholding
Write my letter
Dates
F9S10S11M12T13W14T15
Send your appeal by Oct 112 dayswe'll nudge you
Coming up11OctSend your appealSummit Health PlanYours14OctAsk for itemized billRiverside MedicalYours2NovTheir decision dueSummit Health PlanTheirsWhy it matters
A landlord in New York has 14 days to return a deposit. In Alabama it's 60. A debt can be too old to sue on after 3 years in one state and 10 in another. General advice gets these wrong.
We built the rules for all 50 states and DC into every case, and our letters use them. Before you pay an old debt, we warn you if a payment could restart the clock.
On your plan: Included free on every case.
- 1All 50 states and DCDeposits, tenant rights, debt time limits, medical debt and insurance appeals.
- 2Warnings before mistakesLike paying a debt that's too old to sue on.
- 3Sources you can checkEvery rule links to where it comes from.
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