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Demand Letter in 2 Minutes

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50+ letter types
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State-specific legal citations

This is a writing tool powered by AI. It is not legal advice and does not create an attorney-client relationship. AI can make mistakes — always review your letter before sending.

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Choose Your Letter Type

50 professionally crafted demand letter templates. Each one cites specific laws and deadlines for your state.

Insurance

Fight denials, delays, and lowball offers from your insurance company.

Ambulance Excessive Billing Dispute

Dispute an outrageous ambulance bill or balance bill after emergency transport.

Auto Total Loss Valuation Dispute

Dispute your insurer's lowball total loss payout and demand fair market value.

Dental Insurance UCR Dispute

Dispute your dental insurer's artificially low "usual, customary, and reasonable" reimbursement rate.

Diminished Value Claim Demand

Demand compensation for your vehicle's lost resale value after an accident repair.

Long-Term Disability Termination Appeal

Appeal the wrongful termination of your long-term disability benefits under ERISA.

Homeowners Fire/Smoke Claim Appeal

Appeal your insurer's underpayment or denial of a fire and smoke damage claim.

GAP Insurance Refund Demand

Demand a pro-rata refund of your GAP insurance after paying off or selling your vehicle early.

Homeowner's Insurance Claim Underpayment

Challenge a lowball settlement offer from your homeowner's insurance company with an independent estimate.

Life Insurance Payout Delay Complaint

Demand prompt payment of a life insurance death benefit when the insurer is stalling.

Medical Necessity Denial Appeal

Appeal your health insurer's denial of a medically necessary treatment or procedure.

Pet Insurance Pre-Existing Condition Appeal

Appeal a pet insurance denial that wrongly labels your pet's condition as "pre-existing."

Pet Insurance Claim Denial

Challenge a pet insurance denial for reasons other than pre-existing conditions.

Health Insurance Prior Authorization Denial Appeal

Appeal a health insurance prior authorization denial for a medical procedure, treatment, or medication.

Out-of-Network Surprise Bill Dispute

Dispute a surprise medical bill from an out-of-network provider you didn't choose.

Homeowners Water Damage Denial Appeal

Appeal your homeowners insurance denial for water damage to your property.

Housing

Protect your rights as a tenant, homeowner, or property buyer.

Contractor Breach of Contract Notice

Put a contractor on notice for failing to complete work, delivering shoddy results, or abandoning your project.

Real Estate Earnest Money Release

Demand release of earnest money held in escrow after a failed real estate transaction.

ESA Housing Request

Request a reasonable accommodation for an emotional support animal under the Fair Housing Act.

Habitability Repair Demand

Demand your landlord fix dangerous conditions like mold, pests, no heat, or no hot water.

HOA Selective Enforcement Dispute

Challenge your HOA when they enforce rules against you but ignore the same violations by other homeowners.

Illegal Rent Increase Objection

Challenge an unlawful rent increase that violates rent control laws or proper notice requirements.

Lease Break Notice - Domestic Violence

Exercise your legal right to break a lease early due to domestic violence, stalking, or sexual assault.

Mechanic's Lien Removal Demand

Demand removal of an invalid or fraudulent mechanic's lien clouding your property title.

Mortgage Escrow Error Dispute

Dispute an escrow account error with your mortgage servicer under federal RESPA protections.

Neighbor Encroachment Notice

Demand your neighbor remove structures or improvements encroaching on your property.

Rent Abatement Demand

Demand a rent reduction when your landlord fails to maintain habitable living conditions.

Rental Application Fee Refund

Demand a refund for an illegal or excessive rental application fee that exceeded state limits.

Rental Junk Fee Refund

Demand a refund for bogus admin fees, processing fees, or mandatory charges your landlord tacked onto your rent.

Security Deposit Return Demand

Demand the return of your security deposit from a landlord who is withholding it unlawfully.

Tree/Fence Liability Demand

Demand compensation from a neighbor whose tree or fence caused property damage.

Employment

Recover unpaid wages, fight wrongful termination, and protect your rights at work.

Consumer & Debt

Stop debt collectors, fix credit errors, and hold companies accountable.

Airline Compensation

Demand compensation from an airline for a delayed, cancelled, or overbooked flight.

Auto Repair Unauthorized Charges

Demand a refund for unauthorized auto repairs or charges that exceeded your approved estimate.

Bank Overdraft Refund Request

Demand a refund of excessive or unauthorized overdraft fees from your bank.

Car Dealership Fraud / Undisclosed Defects

Demand a refund or rescission after a car dealer sold you a vehicle with undisclosed damage, accidents, or defects.

Car Warranty Denial Appeal

Challenge a denied car warranty claim and demand the repair coverage you paid for.

Cease and Desist to Debt Collector

Legally demand a debt collector stop all contact and harassment immediately.

Credit Card Chargeback Rebuttal

Challenge a credit card charge that your bank refused to reverse or dispute effectively.

Credit Report Error Dispute

Force credit bureaus to investigate and correct inaccurate information on your report.

Daycare / Preschool Tuition Refund

Demand a refund of prepaid tuition or deposits from a daycare that failed to deliver promised services or wrongfully kept your money.

Debt Validation Letter

Demand proof that a debt collector can legally collect what they claim you owe.

Gym Membership Cancellation

Force your gym to cancel your membership and stop billing you.

Home Warranty Claim Denial

Challenge a home warranty company that denied your claim for a covered appliance or system failure.

Identity Theft Affidavit

Notify creditors and bureaus of fraudulent accounts opened in your name and demand removal.

Lemon Law Final Repair Notice

Demand a buyback or replacement for a vehicle with recurring defects under your state lemon law.

Lost Luggage Reimbursement

Demand reimbursement from an airline for lost, delayed, or damaged luggage.

Moving Company Damage Claim

File a formal damage claim against a moving company that broke or lost your belongings.

Predatory Towing Fee Refund

Demand a refund for excessive towing fees, unauthorized impounds, or inflated storage charges.

Solar Panel Installation Fraud

Demand compensation from a solar company that misrepresented savings, botched the installation, or failed to deliver on promises.

Storage Unit Wrongful Lien / Overcharge

Challenge a storage facility that wrongfully sold your belongings, locked you out, or charged excessive fees.

Subscription Cancellation Refusal

Force a company to cancel your subscription and refund charges after they made cancellation impossible.

Timeshare Cancellation Demand

Demand cancellation of a timeshare contract, especially if you were misled during a high-pressure sales pitch.

Utility Billing Error / Overcharge

Demand a correction and refund for an incorrect or inflated utility bill from your electric, gas, or water company.

Wedding Vendor Deposit Refund

Demand a refund of your deposit when a wedding vendor cancels, fails to deliver, or breaches your contract.

Zombie / Time-Barred Debt Cease Collection

Demand a debt collector stop collecting on a time-barred debt where the statute of limitations has expired.

Civil

Small claims, cease & desist, copyright takedowns, and more.

How It Works

Get your professional demand letter in three simple steps.

1

Tell Us Your Situation

Answer a few quick questions about your dispute. We guide you through the process step by step.

2

AI Generates Your Letter

Our AI researches your state's laws, then drafts a professional demand letter citing specific statutes and deadlines.

3

We Mail It for You

Choose PDF download ($9) or let us send it via USPS Certified Mail ($29) — the delivery method attorneys use, with tracking and court-admissible proof of delivery.

Attorney retainer: $2,500–$5,000
Your letter: $9–$29

Same legal citations. Same professional format. A fraction of the cost.

Real Results from Real People

Join 50,000+people who've used demand letters to resolve their disputes.

Full claim paid
State Farm had been ignoring my emails for 3 months. I sent the demand letter on Monday, got a call Wednesday, and had a check Friday.
J

Jessica M.

Austin, TX · Insurance Claim

$2,400 recovered
My landlord kept $2,400 of my security deposit for 'cleaning fees.' The demand letter cited the exact California civil code and deadline. Got a full refund within 10 days.
M

Marcus T.

Los Angeles, CA · Security Deposit

$4,800 recovered
I was owed $4,800 in unpaid commissions. HR wouldn't return my calls. After the certified letter arrived, they wired the money within a week.
R

Rachel K.

Chicago, IL · Unpaid Wages

Names abbreviated for privacy. Results may vary. This is a writing tool, not legal advice.

Don't Leave Money on the Table

50,000+people have used demand letters to resolve disputes and recover what they're owed. Find your letter type and get started.

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Starting at $9 · Takes 2 minutes · No lawyer needed