Debtbusters Bible

The system was designed to confuse you. This book is 208 pages of how to make it stop.

The Chargemaster is fiction. The Medicare rate is real. There's a 400% gap between them — and if you know how to work it, that gap belongs to you.

Written by Alwin Brubaker, a 20-year medical billing and collections industry insider. Not a lawyer. Not a doctor. The person who used to send you these bills, now teaching you how to fight them.

What's inside:

• 8 sections · 208 pages covering the complete process — from a surprise bill to a resolved account
• Section 4 — Negotiation Master Class: Medicare-rate anchoring, lump-sum strategy, and the scripts that work
• Section 5 — Insurance Appeals: internal appeals, external review, peer-to-peer, why 42% of appeals win
• Section 6 — Credit Protection: FDCPA rights, debt validation, credit reporting rules, what to do if sued
• Section 7 — The Letter Template Vault: 25 fill-in-the-blank certified-mail templates
• Section 8 — State-by-State Rights: 24 state profiles with charity care thresholds, SOL, and patient protections
• Addendum A: 6 court-ready templates including Answer to Complaint and Motion to Dismiss

For you if:

• You just got a surprise bill for thousands and don't know if the number is even real
• A collector is calling every day and you're not sure what they can legally do
• Insurance denied the claim and you're not sure what "appeal" actually means
• You've been sued for a medical debt and you need to buy yourself time and legal footing

What you get:

• 208-page PDF · instant download after purchase
• 25 letter templates · fill in the blanks and send
• 24 state profiles · rules that apply to you
• Addendum A · 6 court-ready templates
• Free bonus: The Debt Collector's Playbook (13 pages)
• Lifetime updates

$29 · Instant Download · 30-day money-back guarantee · Educational purposes only. Not legal advice.