Disclaimer

General information and self-help templates. Not legal advice. No outcome is guaranteed.

We are not your lawyer

I Need It Back is not a law firm or a substitute for a licensed attorney. The option finder, guides, letter packs, court preparation materials and support provide general educational information about consumer disputes in the United States. Using them does not create an attorney-client relationship. We do not represent you, send letters, submit disputes or file court documents on your behalf.

Your rights and eligibility are not determined here

Showing or ordering options based on your answers is not an assessment of your legal rights, the merits of your claim, eligibility for a remedy or the best action for you. We do not verify your account of events or whether money is owed. Our materials may be incomplete, out of date or unsuitable for your circumstances. Court preparation materials are not official forms or a determination that a court will accept your claim.

Check deadlines independently

Rules and deadlines vary by situation, jurisdiction and provider. Any dates or time windows shown are general information or illustrative estimates, not confirmation of your deadline. Check with the relevant card issuer, bank, payment app, marketplace or court, or a licensed attorney. A letter's reply-by date is a requested response date. Do not assume that it creates a legal obligation or pauses any other deadline.

Review every draft

AI may help draft parts of your letter. Both AI output and templates can contain errors or omissions; an attorney does not review your letter as part of the service. Check every fact, amount, date and request, and decide whether the material is appropriate before sending or filing anything.

No promised outcome

We do not promise a reply, recovery of money, success in a payment dispute or court case, or payment of any judgment. Results depend on the facts, applicable rules and decisions of others. Our purchase-refund policy applies to what you pay us and is separate from the outcome of your dispute.

For advice about your specific situation, including any legal papers or approaching deadline, consult a licensed attorney in the relevant jurisdiction.