You shouldn't need a lawyer to read your mail.
Medical bills and collection letters are designed to confuse you. We're here to change that.
The Problem
Every year, millions of Americans receive bills they don't understand for amounts they can't afford. The system is broken:
- 80%of medical bills contain errors
- 43%of people with debt in collections don't know they owe it
- $140B+in medical debt sits on Americans' credit reports
The institutions sending these documents have armies of lawyers and billing specialists. You have... Google. That's not a fair fight.
The Solution
AI has changed the game. Tools like ChatGPT and Claude can analyze complex documents, explain jargon in plain English, spot billing errors, and help you craft responses—all for free.
But most people don't know what to ask. That's where we come in.
What We Do
The Panic Manual gives you:
- 📋Step-by-step guides
Walk through the entire process, from opening the envelope to resolution
- 🤖Copy-paste AI prompts
Expert-crafted prompts that get useful answers, not generic ones
- 💡"Why This Works" explanations
Understand the strategy, not just the tactics
- ✓Progress tracking
Keep track of what you've done (saved on your device, not our servers)
Our Values
Free Forever
Financial stress shouldn't require a credit card to solve. No paywalls, ever.
Privacy First
No tracking, no analytics, no selling your data. Your business is your business.
No Shame
Debt isn't a moral failing. You're not broken. The system is.
Plain Language
No legalese, no condescension. We explain things like a knowledgeable friend.
How You Can Help
If this resource helped you, consider:
- →Sharing it with someone who needs it
- →Suggesting improvements — we're always learning
- →Contributing content — especially if you have professional expertise
Get in Touch
Questions, suggestions, or just want to say hi? hello@thepanicmanual.com
"The best time to fight a bill was when it arrived. The second best time is now."