I read a patio11 comment on Hacker News years ago about disputing debts under the FCRA/FDCPA.
The shape of the system stuck with me:
- there’s a process
- there are clocks
- there are receipts
- and if you can’t run the process, your rights are mostly theoretical
Then I got to live it.
Stuck in a loop
I had medical debt to dispute.
The advice is simple: dispute it in writing. Often: send it certified mail.
So I did the ritual:
- print the letter
- sign it
- stuff the envelope
- drive to the post office
- pay for certified
- keep the receipt like it’s a golden ticket
- wait
And then the debt gets resold.
New owner. Same problem. Same ritual.
Certified mail is supposed to be the "official" way to push back. But the interface is: paper, ink, and standing in line.
If you’re already stressed, the logistics become the friction that makes you quit. And quitting is often the business model.
So I built the thing I wanted to exist
I built a tool so I could push back without turning it into an errand:
- write the letter
- click send
- get the tracking
- keep the receipts
No printer. No envelopes. No post office.
That became KiteCourier.
Then I realized it wasn’t about debt at all
Once we had it working, the pattern became obvious:
Nobody wants to deal with mailing.
Certified mail shows up everywhere:
- landlord/tenant notices
- demand letters
- compliance letters
- HR and employment stuff
- vendor disputes
- "I need proof I sent this" situations
So we expanded it into a general legal-notice / certified-mail service.
Not legal advice. Not "gotchas."
Just: make the paper trail boring and reliable.
If you’ve ever had to send certified mail repeatedly (or had a situation where proof-of-sending mattered), I’d love to hear what it was.
KiteCourier is at kitecourier.com.