Debtbusters Bible

Know Your Real Number.

The Chargemaster is fiction. We give you the Medicare rate and the exact letter to anchor to it — often 30–70% off the sticker price.

Win the Appeal.

42% of insurance appeals win — if you file them right. Section 5 walks you through internal appeals, external review, and peer-to-peer.

Know Their Rules.

FDCPA rights, debt validation, credit reporting rules, what to do if sued. Know exactly what a collector can — and can't — legally do.

WRITTEN BY AN INDUSTRY INSIDER

Written by an industry insider.

Alwin Brubaker spent 20 years inside the medical billing and collections industry — the one that wrote the bills, sent them to collections, and counted on you not knowing the rules.

Now he writes the field guides for the other side.

"I spent 20 years watching people lose fights they should have won because they didn't know the rules. These books are the rules. Written so you actually understand them."

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What's actually inside.

Real pages from the real books. Not mockups, not lorem ipsum.

Real families, real results.

“Had to get an ambulance to the ER two years ago. The bill almost sent me back to the hospital! This medical debt guide was a literal lifesaver.”

— Quentin, Boston MA

"I always pay my bills. But I broke my wrist while I didn't have coverage and while I'm grateful for the surgeon, that bill was insane. This guide showed me how to get it down to a reasonable number."

— Janice, Fresno CA

"I got hit with a four-figure bill over some tests last year. I'm insured, but sometimes that doesn't even matter. Who knew we could actually fight these types of charges? Thanks to the Debtbuster info, I knocked it down to a few hundred bucks in less than a month."

— Paul, Lansing MI

42% of appeals win. 30-day money-back guarantee either way.

Not for you? Reply to your download receipt within 30 days. Full refund, no questions, and you keep the PDFs.

Frequently asked questions

Immediately after checkout you'll receive a download link by email. The link stays active — re-download whenever you want.

No. These guides are for educational purposes only. They are not a substitute for a licensed attorney. For a specific legal situation, consult a consumer-protection lawyer.

No. Section 6 of the Bible is specifically for accounts already in collections. The Playbook covers the exact pause tactics to run before saying another word on the phone.

The federal frameworks (FDCPA, HIPAA, No Surprises Act, FCRA) apply everywhere. Section 8 of the Bible provides 24 state-specific profiles.

The Bible is the 208-page complete field manual. The Decoder is a 74-page plain-English companion — glossary, checklists, quick-reference. Most people use both.

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