Paste the charge, the company, and what you've already tried. In a few seconds you get the cancellation notice to send, the rule that applies, whether a refund is reasonable to ask for, and the chargeback steps if they keep charging. No account. Nothing stored.
Free — takes 20 seconds
The company, the amount, how often, when it started, how you signed up (online, in person, a free trial), and what happened when you tried to cancel.
Why this exists
The phone line is the trap. A dated written cancellation that names the rule and says further charges will be disputed is what their legal department responds to — and a chargeback is what their bank responds to. This writes both.
How it works
Company, amount, how you signed up, what you've tried. Nothing is saved.
The rule that applies and the letter, ready to send — in English or Spanish.
The refund demand, the card-dispute statement, the FTC report and the calendar, in the full version.
Plans
The free version writes the cancellation notice and tells you your right. The kit adds the refund demand, the card-dispute statement, the FTC report text and the calendar.
One membership unlocks the full version of ALL our bill tools — utility, internet, subscriptions, bank fees, auto insurance — plus renewal watches that email you the script before any price jumps. Less than one late fee.
All prices in USD, handled by Stripe. The free notice never goes behind a paywall. This subscription cancels with one click.
Common questions
The tool describes itself as free to use, and its disclaimer says nothing you paste is stored. It also lists a paid 'Full kit' at $4.99 (one subscription) and a $49/month plan for caregivers and senior centers, so check which option applies before you start. No account is required.
It gives you a written cancellation notice, the Florida or federal rule that appears to apply, and the exact chargeback steps if they keep billing you — but it can't force the company to comply. Send it by both email and mail with tracking, keep copies, and report free-trial traps or hard-to-cancel subscriptions to ReportFraud.ftc.gov. It's not legal advice and it can be wrong.
No — a refund is only reasonable for charges after a valid cancellation, for the unused portion under Florida's Health Studio Act (Fla. Stat. 501.017, for example if you moved 25+ miles from your gym with no comparable facility), or for a free trial converted without clear disclosure. You shouldn't ask for a refund for months you actually used the service.
You can dispute charges made after your cancellation date with your card issuer — generally within 60 days of the statement for credit cards under the Fair Credit Billing Act, or under Regulation E for debit cards. Attach your cancellation notice and any confirmation, and only dispute the charges that came after you cancelled, not ones for service you used. Don't just cancel the card as your only step — the balance can still go to collections.
No — this explains Florida and federal cancellation rules in plain language, but it is not legal advice and it can be wrong. Read your contract's actual cancellation clause, and for an alarm or other long-term contract with a big early-termination fee, talk to a consumer attorney or call Florida's consumer line at 1-800-HELP-FLA before you rely on this.
La herramienta se describe como gratuita, y su aviso dice que no se guarda nada de lo que usted pega en el formulario. También menciona un plan pagado, el 'Full kit' por $4.99 (una sola suscripción), y un plan de $49 al mes para cuidadores y centros para adultos mayores, así que verifique cuál opción le corresponde antes de comenzar. No se necesita crear una cuenta.
Le da un aviso de cancelación por escrito, la norma de Florida o federal que parece aplicar, y los pasos exactos para disputar el cargo si le siguen cobrando — pero no puede obligar a la empresa a cumplir. Envíelo por correo electrónico y por correo postal con seguimiento, guarde copias, y reporte las trampas de prueba gratis o suscripciones difíciles de cancelar en ReportFraud.ftc.gov. Esto no es asesoría legal y puede contener errores.
No — es razonable pedir un reembolso solo por los cargos hechos después de una cancelación válida, por la parte no usada bajo la Ley de Estudios de Salud de la Florida (Fla. Stat. 501.017, por ejemplo si usted se mudó a 25 millas o más de su gimnasio y no hay una instalación comparable), o por una prueba gratis convertida en cobro sin aviso claro. No debe pedir reembolso por los meses que sí usó el servicio.
Usted puede disputar con el emisor de su tarjeta los cargos hechos después de la fecha de cancelación — generalmente dentro de 60 días desde el estado de cuenta para tarjetas de crédito bajo la Ley Federal de Facturación Justa de Crédito (Fair Credit Billing Act), o bajo la Regulación E para tarjetas de débito. Adjunte su aviso de cancelación y cualquier confirmación, y dispute solamente los cargos posteriores a la cancelación, no los del servicio que sí usó. No cancele la tarjeta como único paso, porque el saldo puede terminar en cobranza.
No — esta herramienta explica en lenguaje sencillo las reglas de cancelación de Florida y federales, pero no es asesoría legal y puede tener errores. Lea la cláusula de cancelación de su propio contrato, y si se trata de un contrato de alarma u otro contrato de largo plazo con una penalidad alta por cancelación anticipada, consulte con un abogado de consumidores o llame a la línea estatal de consumidores al 1-800-HELP-FLA antes de confiar únicamente en esto.
Built by the same team, free to try.