Four Steps. Your Money Back.
We've spent four years perfecting the process of refund recovery. From the moment you submit a claim to the day the money hits your account — every step is handled, tracked, and communicated clearly. Here's exactly what happens.
Submit Your Claim
Tell us what happened. Our secure claim form takes less than five minutes to complete. You'll describe your refund situation, upload any supporting documents, and tell us where you'd like your recovery sent.
No legal knowledge required. No jargon. Our form is designed to collect exactly what your specific claim type needs — and nothing more.
Your information is encrypted with 256-bit SSL the moment you start typing. We are fully CCPA and FTC compliant — your data is never sold or shared.
Invoices, tracking numbers, order confirmations, bank statements, photos of damaged goods — upload whatever you have. Don't worry if you're missing something; our specialists will let you know exactly what else is needed.
Your submission is automatically categorized and routed to the right specialist team — shipping, e-commerce, tax, chargeback, audit, or dispute — the moment you submit.
Expert Review
Within 24 hours of your submission, a dedicated specialist with deep expertise in your specific refund category reviews your case, assesses its viability, and builds a tailored recovery strategy.
This isn't a call center agent working from a script. It's a specialist who has handled hundreds of claims exactly like yours — and knows precisely what evidence and arguments win.
Your case is never handled by a generalist. We assign a specialist based on claim type: former carrier billing staff for shipping, IRS Enrolled Agents for tax, payment network veterans for chargebacks.
Your specialist assesses win probability, identifies the strongest filing approach, and flags any additional evidence needed before reaching out to the provider — maximizing the chance of a first-attempt success.
As soon as your specialist completes their review, you receive a summary email with their findings, the recovery plan, and the expected timeline — so you always know what's happening with your case.
We Negotiate
This is where we earn our fee. Your specialist engages directly with the carrier, merchant, IRS, or financial institution — armed with the exact documentation, reason codes, and escalation paths that produce results.
We don't stop at the first response. We follow up persistently through every available channel until your claim is resolved — not just acknowledged.
We assemble a complete evidence file — tracking data, purchase records, carrier SLA documentation, bank records, or IRS transcripts — tailored to the exact requirements of the provider we're filing against.
We contact providers by phone, email, certified mail, and through official dispute portals. We use the channel combination that generates the fastest resolution for each specific provider type.
If a provider stonewalls a valid claim, we escalate — to a supervisor, executive contacts, the BBB, a state attorney general, or CFPB — using whichever path is most likely to break the impasse.
You Get Paid
Once your refund is approved, the money is sent directly to you — via carrier credit, direct deposit, or check, depending on the claim type. Our fee is deducted only at this stage, as a percentage of what we recovered.
Every step of the recovery is logged and visible in your secure client dashboard. When the case is closed, you'll receive a full resolution summary and receipt.
Carrier refunds typically arrive as account credits or direct checks within 3–5 business days of approval. IRS refunds via direct deposit typically arrive within 5–7 days. Chargeback reversals appear on your card in 3–10 business days.
Only after your refund is confirmed do we apply our success fee — 20% for individuals, 15% for business clients. You'll receive an itemized receipt showing exactly what was recovered and what was charged.
Your client portal reflects the final resolution, full case timeline, and documents. Your case history is retained securely so future claims are even faster to process.
What We Do That You Don't See
The four steps above are what you experience. Behind them is a sophisticated operation built to maximize your recovery at every stage.
From Submission to Settlement
A typical claim from start to finish — showing exactly what happens and when.
By Claim Type: What to Expect
Every claim type follows the same four-step process — but timelines and success rates differ. Here's what the numbers look like across our six service categories.
Still Have Questions?
The most common questions about our process, answered clearly.
You Know How
It Works. Let's Start.
Submit your claim in under five minutes. Our specialists take it from there — no upfront cost, no paperwork headaches, just results.
No upfront fees · Free case review · 14-day avg. resolution · All 50 States