No upfront fees — you pay from savings
Relentless advocacy. Transparent results.
We’re a negotiations-first firm. From medical bill audits to property tax appeals and collections disputes—we obsess over outcomes you can measure, not billable hours.
10k+
billed cases reviewed
Weeks
typical resolution time
0 upfront
fees — ever
What we stand for
- Results-first fee model
- Clear communication & consent
- HIPAA/PCI-aware, secure workflows
- Ethical practice, precise analysis
If we don’t save you money, you owe us nothing.
Results-driven advocacy for your financial peace of mind
Cumberland Brooks is a results-driven firm dedicated to helping individuals and businesses reduce costs, resolve disputes, and reclaim financial peace of mind. We are a team of professionals—including experienced negotiators, financial analysts, and legal industry experts—who bring deep knowledge, strategic thinking, and integrity to every case. Our team includes professionals with business and legal backgrounds who understand the complexities of billing, compliance, and negotiation at a high level.
We are passionate about fairness and committed to delivering real value. Our work is grounded in data, driven by outcomes, and centered on the principle that no one should pay more than they truly owe. Whether you're facing inflated property taxes, burdensome medical bills, or aggressive collection accounts, we advocate for your best financial outcome with intelligence, transparency, and respect.
Our Guarantee
Above all, we believe in earning trust through action—not promises. That's why we operate on a simple guarantee: if we don't save you money, you don't pay us a thing.
Who we help
Individuals, families, and operators
Medical bills, property taxes, collections, utility disputes—we partner with people and businesses who want clean outcomes and straight talk.
Patients & families
Reduce hospital/clinic balances, fix coding errors, and set realistic payment plans.
Owners & operators
Lower assessed value, unwind back-billing, and enforce contract terms with vendors.
Consumers with collections
Validate balances, remove junk fees, and pursue cleaner reporting when supported.
Our mission
Make complex bills and bureaucracy feel simple—and fair.
We blend legal expertise with analyst-grade audits and negotiation playbooks. The result: fewer surprises, faster resolutions, and real-dollar savings you can verify.
Precision over pressure
Exhaustive audit trails, documented comps, and clear consent at every step.
Momentum matters
Fast intake, tight loops, and weekly updates—so you always know the next move.
Built for outcomes
We target what moves the needle: lower balances, reduced assessments, cleaner credit.
How we work
A simple 4-step path to savings
- 1
Free case review
Free case review
Share documents securely; we identify savings opportunities fast.
- 2
Strategy & authorization
Strategy & authorization
Clear plan of attack—no moves without your approval.
- 3
Negotiate & resolve
Negotiate & resolve
We coordinate with providers, boards, and agencies to lock in reductions.
- 4
You save
You save
You only pay from realized savings—no surprises.
Typical kickoff happens within a week. Complex cases may take longer; we’ll keep you updated weekly.
How we handle your case
Specific playbooks for different problems
Different disputes need different levers. We bring the right audit methods, evidence, and negotiation angles for each category.
Medical Bills & Healthcare
We target coding errors, out-of-network misclassifications, and duplicate line items, then anchor negotiations on payer policy and reasonableness.
Audit
Code review, duplicates, clinical context
Analysis
Policy memos, denial letters, UCR
Negotiate
Provider concessions & plans
Property Tax Appeals (Resi & Commercial)
We run comps, NOI/cap-rate models, and condition adjustments—then present a tight record to assessors and boards.
Evidence
Comps, photos, condition
Valuation
NOI model, cap-rate, sensitivity
Hearing
Prep & annual re-checks
Credit Card Debt & Collections
We validate balances, challenge fee stacking, and use compliance leverage (when supported) to clean up reporting.
Validation
Docs, itemization, errors
Settlement
Concessions & PFD
Recovery
Rebuild roadmap
Utilities & Telecom Disputes
We unwind back-billing, improper fees, and outage credits using provider tariffs and billing rules.
Audit
Billing windows & line items
Rules
Tariffs, policy, outages
Adjustment
Credits & refunds
How fees work
- No upfront fees for savings-driven matters
- Clear scope for flat/other matters
- You approve every move & cost
Security & privacy
- Encrypted intake & least-privilege access
- HIPAA/PCI-aware workflows
- Weekly status with consent gates
Compliance & ethics
- Evidence-driven negotiation
- Clear disclosures, no pressure
- Documented outcomes & closeout
Quick answers
Do I pay anything to start?
No. For savings matters, our compensation comes from the savings we secure. Other engagements use a transparent flat or clearly-scoped fee.
How fast is kickoff?
Usually within a week. Appeals tied to board calendars can take longer—we set expectations on day one and update weekly.
Will this hurt my credit?
We’re credit-aware. Where supported by law and evidence, we pursue deletions or corrected reporting. We don’t advise moves that jeopardize key goals.
No upfront
You pay from realized savings
Weeks
Typical resolution timeline
Clear updates
Weekly status & consent gates
Ready when you are
Let’s turn your bills and balances into savings.
Start with a free case review—no pressure, no upfront fees. We’ll show you where the savings are and how we’ll get them.