You need an advisor who knows the system — bills, debt collectors, and small claims court. Upload anything. Pancho tells you where you stand and what to do next.
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What Pancho fights
ER physicians and out-of-network providers cannot balance-bill you. Pancho detects illegal charges and disputes them.
Same procedure billed twice. Services never rendered. Pancho flags every discrepancy against your actual visit.
Collectors have rules. Pancho scores every collector on litigation history, CFPB complaints, and case records.
Tax-exempt hospitals must offer financial assistance before collections. Most never tell you. Pancho applies for you.
Final bill exceeds your GFE by $400+? Federal law entitles you to a dispute. Pancho calculates the delta and files it.
Sued for medical debt? Pancho reads the summons, checks the statute of limitations, and drafts your response before the deadline.
The collector playbook
For debts under $2,000, most collectors never actually file — legal fees eat the profit. They’re banking on you paying without asking questions.
70% of collection lawsuits end in default judgment — not because the collector is right, but because the defendant never showed up. Pancho helps you respond.
Pancho reads every collection notice for FDCPA violations, checks your state’s statute of limitations, scores the collector’s real litigation history, and tells you exactly where you stand.
Every state has an SOL on medical debt — typically 3–6 years. After it closes, they can’t sue. But they keep calling, hoping you’ll accidentally restart the clock with a partial payment.
Who else is saying this
Explain to me why the insurance company will pay $2,500 for an MRI when there is a center down the street that will do it for $350? Insurers and hospitals are not required to operate this way. It’s a game of who can rip off who and get away with it.
Cuban built Cost Plus Drugs on the same logic: expose the real price, embarrass the incumbents, hand power back to patients.
The $2,500 MRI isn’t an anomaly. It’s the same inflated pricing engine Pancho flags on every bill.
Shareholders, not patient outcomes, tend to drive decisions at for-profit health insurance companies.
40 to 50% of all health insurance premiums go to administration and profits — not to care.
Private equity vultures looting our healthcare system. Executives plunder hospitals and providers — and lax laws give them cover to do it with impunity.
What Pancho found
Anesthesiologist billed out-of-network on an in-network procedure. NSA violation. Letter sent, charge waived.
No Surprises ActER facility fee billed twice for the same visit. Duplicate caught and disputed in 48 hours.
Duplicate chargeNonprofit hospital threatened collections without offering financial assistance first. §501(r) demand sent, balance reduced.
IRS §501(r)Join the waitlist. Be first to fight your bill when we launch.
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