A letter that knows your rights
Cancel a contract, complain, get a refund or ask for your data. We write a formal letter with the rules that apply where you live, and tell you where to go if they don’t reply.
- Free to start
- 17 languages
- Documents never stored
What do you need?
Free and instant. We never call, text or email it.
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We follow the link safely on our server, so you never have to open it.
In WhatsApp, long-press the voice message, then tap Share to save it as a file.
Formal letters, with your rights included
Companies take a letter more seriously when it cites the rules they must follow. Choose your country and what you need, and we write the letter for you, in your language.
Letters you can write
- Cancel a contract, subscription or membership.
- Make a formal complaint, with where to escalate it.
- Get a payment refunded by your bank or card company.
- Ask a company for a copy of your personal data.
- Question a debt and ask for proof.
- Ask for a payment plan.
Countries with built-in rules
United States, United Kingdom, France, Spain, Morocco, Canada, Portugal and Brazil. Elsewhere, we write a clear, polite letter without citing laws. Read our guide to disputing a charge.
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Free guides
- How to spot a scam letter, email or text
- Phone bill fees explained
- How to dispute a charge on a bill
- How to read a rental lease
See all guides · Common scams · Bill and contract words explained
How it works
- Add your document. Take a photo, upload a PDF, or paste the text of a bill, letter, contract or message.
- Get it in plain words. See what it says, any hidden fees or red flags, the deadlines, and how much you owe.
- Know what to do next. Get clear next steps, add reminders to your calendar, ask questions, or have a reply written for you.
What you can check
- Phone, internet and utility bills: spot new fees, ended discounts and add-ons. See phone bill fees explained.
- Suspicious texts, emails and letters: use the free scam checker, or read about common scams.
- Rental leases and contracts: find renewal dates, fees and clauses to question. See how to read a lease.
- Bank statements: understand charges you don’t recognize. See unknown bank charges.
- Medical and insurance bills: check what you really owe. See understanding a medical bill.
- Debt, tax and government letters: know if it’s real and how to respond. See debt collection letters.
- Two versions of a bill or contract: compare them to see exactly what changed.
- Links and QR codes: use the link checker or the QR code checker before you open them.
- Voice messages and calls: check a voicemail or WhatsApp voice note with the voice message checker.
- Forgotten subscriptions: find every recurring charge with the subscription finder.
- Phone numbers, bank accounts and emails: check who you’re dealing with using the number checker.
- Letters that cite your rights: cancel, complain or get a refund with our letter templates.
- Official forms: get help filling in a form, box by box.
Questions
Is Explain My Paper free?
Yes. You get 3 free explanations every month, and scam checks are always free. Plus gives unlimited explanations and no ads.
What documents can it explain?
Bills, bank statements, rental leases, contracts, insurance and medical bills, tax and government letters, debt collection letters, school letters and forms. You can upload photos, a PDF, or paste the text.
How does the scam checker work?
Paste or screenshot a suspicious text, email or letter. The AI looks for common scam signs such as urgent threats, strange links, gift card requests and fake sender details, then tells you what to do safely.
Which languages does it support?
Explanations, replies and read-aloud work in 17 languages, including English, Spanish, Arabic, Moroccan Darija, French, Portuguese, Hindi, Urdu, Chinese, Tagalog, Vietnamese, Turkish and Russian.
Do you keep my documents?
No. Your document is sent to our AI provider only to explain it and is not stored by Explain My Paper. Saved explanations stay on your own device.
Is this legal or financial advice?
No. Explain My Paper gives general information in plain words. For serious legal, medical or money decisions, talk to a qualified professional.
What this says
What we checked
Your letter
How to send it
This letter is a template, not legal advice. Check the details before you send it.
Box by box
Papers you’ll need
Common mistakes
Contract renewal
Watch out for
Warning signs
Signs it may be real
What the voice message says
Where this link really goes
What we checked
Your subscriptions
What changed
Money you could save
Dates and money
Dates
Amounts
What to do next
Write a reply
Ask about this document
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