Letters that get results
For consumers who got burned

A business took your money.
Send the letters that get it back.

Defective product, service never delivered, promises broken? Answer 9 quick questions and get a professional 3-letter refund sequence — polite request, firm follow-up citing consumer protection law, and a court-ready formal demand — plus the credit card chargeback playbook. Ready in 2 minutes.

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First letter free · Full 3-letter kit $19 one-time · No account needed

Letter 1 · Day 1The polite request that gives them a chance to do right.
Letter 2 · Day 10The firm follow-up citing consumer protection law and your chargeback rights.
Letter 3 · Day 21The formal demand, sent certified mail, citing small claims court.

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Letter 1 — The Polite Request

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Letter 1 works on businesses that care. Letters 2 and 3 — and the chargeback playbook — work on the ones that don't.

  • Letter 2: firm follow-up citing consumer protection law & payment rights
  • Letter 3: formal demand (court-ready, certified mail)
  • The credit card chargeback playbook — deadlines and how to file
  • Small claims guidance for your state, incl. dollar limit
  • Escalation guide: state attorney general, BBB, and beyond
  • Print / save as PDF, unlimited edits, lifetime access on this device
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Letter 2 — The Firm Follow-Up

Send ~10 days after Letter 1

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Letter 3 — The Formal Demand

Send ~21 days after Letter 1, by certified mail

🔒 Unlock to see your court-ready formal demand letter.

Your Playbook — Chargebacks, Escalation & Small Claims

Read before sending Letter 2

🔒 Included in the $19 kit.

How to get a refund from a business that won't pay (the right way)

Every state has a consumer protection law against unfair and deceptive business practices, every contract carries obligations, and if you paid by credit card you have federal dispute rights on top. Most businesses fold when a customer shows they know all three. The escalation that works:

  1. The polite request (Day 1). Short, factual, specific: what you bought, what went wrong, the amount, a deadline. Reasonable businesses fix it here.
  2. The firm follow-up (Day ~10). Now you cite your state's consumer protection act, your contract and warranty rights, and — if you paid by card — your federal billing dispute rights. The tone says: I know exactly where this goes next.
  3. The formal demand (Day ~21). Certified mail, 10 business days, and notice that small claims court comes next — where many state consumer protection laws let judges award more than the refund itself.

Should I just do a chargeback?

If you paid by credit card, a billing dispute with your card issuer is a powerful parallel track — but it has deadlines (generally 60 days from the statement showing the charge, though many issuers accept disputes beyond the legal minimums). The playbook covers when to use the chargeback, when to use the letters, and why doing both in the right order works best.

What if they still won't pay?

Small claims court handles refund disputes every day: filing fees are typically $30–$100, no lawyer is needed in most states, and a paper trail of ignored demand letters is exactly the evidence judges want. Your kit includes your state's claim limit.

Select your state in the generator above to see your small claims court limit.

Refund Demand Letters provides self-help document templates and general information, not legal advice, and is not a law firm or a substitute for an attorney. Consumer protection laws, billing dispute rules, and small claims limits change and vary by circumstance — always double-check your state's current rules before relying on them.