Whatever you're facing, IGOTCHU

A confusing bill. A contract that feels off. A job offer, repair estimate, insurance denial, or expensive decision you do not want to get wrong. Send us what you have. We'll help you understand it, question it, and know what to do next.

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What do you need help with?

Medical bills are where we started. But whatever you're facing, we've got you. Pick the path that fits.

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A medical bill or insurance issuePrimary focusBill, EOB, denial, collections, or charges that do not make sense
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A contract or leaseApartment, purchase, cancellation, serviceA repair estimateAuto, home, contractor, service quoteA big decisionJob, RV, refinance, business, purchaseHelp me negotiateOffer, quote, denial, settlement, termsSomething elseTell us what happened and what you have

Medical is our first focus. Every path starts the same simple way.

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Your situationBased on what you send
Medical first, built to grow

Medical bills are where we started. Life does not stop there.

Contracts, repair estimates, insurance letters, job offers, and expensive decisions can leave you with the same feeling: “I do not know enough to know whether this is right.” Each path below starts in the same place, with what happened and what you already have.

Medical bills

“This bill doesn't add up.”

You sendYour medical bill, EOB, denial, collection notice, or the paperwork you received.
You getA plain-English breakdown, questions to ask, dispute language, and the next steps to take yourself.
Contracts and leases

“Can I get out of this?”

You sendYour lease, contract, cancellation terms, or the message you received.
You getExit clauses, deadlines, fees, questions to ask, and response language you can use.
Repair estimates

“Is this repair estimate fair?”

You sendThe estimate, scope of work, photos, or the explanation you were given.
You getLine items to question, missing details, negotiation points, and a checklist for comparing another quote.
Big decisions

“Is this actually a good deal?”

You sendThe offer, terms, numbers, screenshots, or options you are weighing.
You getRisks, tradeoffs, unanswered questions, and what to clarify before you commit.
Negotiation

“What should I say back?”

You sendThe offer, email, quote, denial, settlement, or conversation so far.
You getResponse language, questions, a phone script, and clear follow-up steps.
Not sure yet

“I don't even know where to start.”

You sendThe story, the files you have, and what you are worried about getting wrong.
You getAn organized view of the problem, what information is missing, and the clearest next move.

Why I built IGOTCHU

Jason Rolf, founder of IGOTCHU, standing in front of a mosaic mural

Let me tell you how this started. I freaking lost my job. It wasn't dramatic. Well, I might have been just a tad dramatic. Otherwise it was an ordinary day, and then out of the blue, hit the road Jack. So I did what you'd probably do. I picked myself up, adjusted, and started figuring out what was next. Life moved forward.

Then about a year later, out of nowhere, a bill showed up. Three thousand dollars in past-due medical charges. It stopped us cold. Two thoughts hit at once. How are we going to pay this? And, we shouldn't have to. It landed long after my insurance was gone. If it had come while I still had coverage, it would have been covered. Instead it came straight to us, past due, with collections right behind it.

It felt off. I knew something wasn't right, I just didn't know what to do about it. But we weren't going to pay for something we didn't owe. So I got to work. I dug in, leaned on some new AI tools, mapped out every step, wrote the letters, and sent the first one certified. Four days later, the hospital called.

They looked into it, and they agreed. “Yes Mr. Rolf, that one's on us. It was a mistake.” Just like that, the $3,000 bill was gone. We didn't owe a penny. Relief, a win, and vindication all at once. We won a fight we were sure we'd lose.

That could have been the end of it. But I couldn't shake it. I only got through it because I had the time to dig in, and I refused to let it go. Most people are already doing everything right, just stretched too thin to turn a confusing bill into a second job. And honestly, they shouldn't have to. You open the same envelope. You feel that same knot in your stomach. And nobody ever tells you that you're even allowed to push back. Let's be honest, nobody hires a lawyer over a three thousand dollar bill. That math never works out. So it usually just gets paid, even when something feels off.

So I spent the next year turning what I did into something anyone can use. That's IGOTCHU I didn't build it for people who already have someone in their corner. I built it for you. The one holding a bill that doesn't feel fair, wondering if you even have a move. You do now! Whatever you're facing, IGOTCHU

Jason Rolf, Founder

One simple way in

Start with the problem. The process stays simple.

You do not have to diagnose the issue or choose a different service for every kind of problem. The situation you select gives IGOTCHU context, then the same intake and delivery process continues.

01

Choose the closest situation

Medical is selected first. Choose another category only when it better matches what is happening.

02

Send what you already have

Upload a document, screenshot, photo, spreadsheet, or paste the message you received.

03

Get help you can use

Receive plain-English findings, questions, response language, and practical next actions. Delivered in minutes, with 1 follow-up included.

Here's Exactly What You Get

Every report is written for your specific situation, not a template.

A real report, detail for detail, the way yours will be written
igotchuapp.com/results/your-analysis
✓ ReadyFix Itdispute

Here's the plan to fix this bill.

$7,860 ER bill · duplicate charge caught · Everwell Demo Medical Center

IGOTCHU gives you clarity, research, and the right questions to ask. It is not a lawyer, and nothing in this report is legal advice. When real money or real risk is on the line, take this report to a licensed professional.

You are looking at a $7,860.00 emergency room bill with a due date of August 2, 2026, and you have not paid or agreed to anything yet. That timing is on your side, and there are real problems on this bill worth catching before you send a dollar.

Strong Position

Your bill shows a $7,860.00 balance that includes a clearly labeled duplicate charge and multiple prices that run well above typical fair-cash rates, and you have not paid anything yet.

The statement lists the same CPT 80053 metabolic panel twice at $615.00 each, one marked as a duplicate entry, and you were uninsured so nothing was ever run for a fair cash or charity discount.

$7,860.00

balance due

$615.00

duplicate charge

$0.00

adjustments applied

The Decision

Dispute, then negotiate

Dispute the clear errors first, starting with the $615.00 duplicate metabolic panel, then negotiate the remaining balance down using an uninsured discount and a fair-price review. The duplicate alone is an automatic correction, and the rest of the bill has prices worth challenging.

1.Request the complete itemized bill and a billing review in writing before the August 2, 2026 due date.
2.Demand removal of the duplicate CPT 80053 line at $615.00, which the statement itself labels a duplicate.
3.Ask for the uninsured or self-pay discount and any financial assistance the facility offers, since $0.00 in adjustments was applied.
4.Ask that the account be held from collections while the review is open.
5.Get every agreed number in writing before you pay anything.

Where You're Winning

You have paid nothing yet, so every dollar of the $7,860.00 balance is still fully negotiable before any money changes hands.

The bill flags its own duplicate, your statement lists CPT 80053 twice at $615.00, with the second line literally labeled 'duplicate entry,' which is a $615.00 correction on its face.

You were uninsured at service, your statement shows $0.00 in insurance adjustments and $0.00 in discounts, which means no uninsured or cash discount has been applied yet and that is a standard ask.

The due date has not passed, August 2, 2026 is still ahead, giving you room to request the itemized review and hold collections before anything is overdue.

That's everything we found.

When they reply, bring their answer back. One free follow-up is included with every report. Email us and reference your report ID.

They responded. What now?Check another document

Go get your yes. And whatever they say next, IGOTCHU.

See the full example report

Real Outcome, This Report

Duplicate charge caught, full bill disputed. $615 error flagged before a dollar was sent. Results vary.

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Bring us the situation you do not want to handle alone.

Start with your medical bill, or choose the closest situation. You will still move through the same simple IGOTCHU process.

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IGOTCHU gives you clarity, research, and the right questions to ask. It is not a lawyer, and nothing it provides is legal advice. When real money or real risk is on the line, take your report to a licensed professional.