Deep breath. We’ll read it together.

That letter you’ve been avoiding? Start here.

Photograph the notice. Add a receipt if you have one. Scarry Letters tells you in plain English what it wants, by when, and what your options are, then drafts a reply. Nothing is sent until you approve it.

Reply to a letter Try an example
  • You review and approve every word
  • This demo makes test-mail proofs only

Any of these in your pile?

Four fictional samples. Open one in the app to see it read.

Debt collection

The letter says we will treat this debt as valid and may report it to the credit bureaus.

Pay $1,240 or dispute it in writing by Dec 9. A written dispute makes them stop until they mail proof.

Open with its receipt
Insurance denial

The letter says The MRI claim is denied because prior authorization documentation is missing.

Appeal and send the missing paperwork by Jan 8, 2027. It asks for no payment.

Open this letter
Rent notice

The letter says A $35 late fee will be added on November 21, 2026 if the balance remains unpaid

Pay $850 or contact the office to dispute it by Nov 20. It is not an eviction order.

Open this letter
Parking fine

The letter says A $25 late fee will be added on December 1, 2026

Pay $65 or ask for a review by Nov 30. Asking in time pauses the late fee.

Open this letter

  • 30 days

    In the US, dispute a debt in writing within 30 days of the collector’s validation notice and it must pause collecting the disputed amount until it responds.

    Source: Consumer Financial Protection Bureau

  • 180 days

    The window HealthCare.gov gives for filing an internal appeal after your health plan sends a denial notice.

    Source: HealthCare.gov

  • Under 1%

    The share of denied claims that consumers appealed on HealthCare.gov plans in 2024, a year when insurers denied 19% of in-network claims.

    Source: KFF, March 2026

General information, not legal advice. Deadlines and rights depend on the letter, the plan and the state.

How it works

Three steps. You stay in charge of each one.

  1. Upload your letter and evidence

    Photograph the notice. If something backs you up, such as a receipt or a confirmation, add that too. Evidence is optional.

  2. Understand your options

    You get three plain answers: what it asks, by when, and what happens if you ignore it. Your evidence is checked against the letter.

  3. Review your response

    A short reply is drafted from the printed facts only. Edit it, check the recipient, then approve. Nothing leaves until you do.

Show the proof

They say you owe $1,240. Your receipt says you paid.

This is the reply Scarry Letters drafted from these two sample photos. Pick a highlighted phrase to see where on the page it comes from.

Fictional debt collection notice from Summit Ridge Recovery: account DEMO-D3391, $1,240 claimed, reply by December 9, 2026.
The collection notice
Fictional payment receipt from Harbor Electric: $1,240 paid on September 14, 2026 for account DEMO-D3391, balance $0.
The payment receipt
The drafted replyFictional sample

Re: DEMO-D3391 - Debt Collection Notice dated November 9, 2026

To whom it may concern:

I dispute the $1,240 debt claimed for account DEMO-D3391. My Fictional Harbor Electric receipt shows $1,240 was received by bank transfer on September 14, 2026, confirmation number DEMO-R7719, and the account is paid in full with a remaining balance of $0. A copy of the receipt is enclosed.

Please stop collecting on this account, correct any credit reporting, and send written confirmation that this dispute was received and the account is closed as paid.

A draft, not legal advice. In the app you can edit every word before you approve.

Evidence check Supports your side
  • Account DEMO-D3391
  • Amount paid $1,240
  • Account is paid in full, remaining balance $0
Goes to

Disputes Desk, Fictional Summit Ridge Recovery, 100 Example Street, San Francisco, CA 94105

✓ address read from the letter

The $1 challenge

$1 reads about 2,200 cases like this one.

Measured on this exact pair: one call to meta/muse-ember through OpenRouter read both photos, checked one against the other and drafted the reply. The cost is what OpenRouter reported for the call.

Model calls
1
Input tokens
1,732
Output tokens
560
Cost per case
$0.00045
Photos sent as taken (8,662 input tokens)$0.00117
Shrunk to 768 px, the default$0.00045
Same photos read again, from cache$0

The case above2,200 dots: what $1 of reading and drafting covers

Postage is separate.

The $1 covers reading and drafting only. Real mail is billed by Lob per letter. This demo runs in Lob’s test mode: it creates a test-mail proof you can open, and nothing is printed, mailed or charged.

Ready when you are.

Reply to a letter Try this example