Last updated: November 2, 2026
By accessing or using DisputeNinja, you agree to be bound by these Terms of Service. If you disagree with any part of the terms, you may not use the service.
DisputeNinja is an automated self-advocacy document drafting tool. We do not provide legal advice, credit repair services or debt settlement, and we are not a law firm. Using this tool does not create an attorney-client relationship. The checklists and letters are general templates. Laws differ by state and change over time, and we cannot promise any result, such as a lower bill, a removed account or a stopped collection. For advice about your situation, talk to a licensed attorney or a legal aid organization.
You are responsible for checking that the information in any letter is accurate, for deciding whether and how to send it, and for meeting any deadlines that apply to you. Do not send a dispute you know to be false.
Paid items (a single dispute letter and the Action Kit) are one-time digital purchases processed by Stripe on the website or by Google Play in the Android app. They are delivered to you on screen or as a download after payment is confirmed. There are no subscriptions. We do not print or mail letters for you. If you have a problem with a purchase, contact us and we will work with you to fix it.
For legal or support questions, contact us at sammyfirst722@gmail.com.