Mercer & Line · Detective Agency

Take back what's yours.

We audit your bills and recover the overcharges.

Owly is the detective in your corner. Bills go in. Money comes back.

Start a case

Free to open · No credit card · Pilot phase

Owly investigating a billing statement at his desk
Case · 0001
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Case · 001Evidence · Statement

St. Mary's Regional Medical Center

Statement · Mar 14, 2026

AccountACCT-7741-J0PeriodService date: Feb 22, 2026
CodeDescriptionAmount
  • 0450Emergency room — facility fee, Level III$1,850.00
  • 99213Office/outpatient visit, established patient$127.00
  • 99213Office/outpatient visit, established patient$127.00
  • 00170Anesthesia — general, out-of-network provider$1,240.00
  • 0510Facility fee — outpatient observation$489.00
  • 0250Pharmacy — generic ibuprofen 600mg ×4$78.00
  • 80053Comprehensive metabolic panel$215.42
  • 0540Patient responsibility — copay applied$90.00
Total due$4,216.42
The process

Three steps to a refund.

File the evidence.

Drop a photo of a bill, paste a statement, or forward an email. The intake takes a minute and Owly does the rest.

Open the file
drop zone
BILL
STATEMENT
CONTRACT
Case opened
Case · 01

Owly investigates.

Every line item is checked against the contract, the rate card, and the regulator's playbook. Junk fees and quiet overcharges get flagged.

Owly examines the line items
ACME COMMS · 03·14·2026INV 88412
Plan base$59.00
Equipment lease$14.99
Regulatory recovery$3.42
Convenience charge$4.50
Network access$2.18
TOTAL DUE$84.09
Case · 02

Recover what's yours.

A dispute letter goes out under your name. Owly tracks the response. When the credit clears, you see it in the casebook.

The refund posts to your case
$0.00
Case · 03
Scroll · the camera moves
The agency at work · pilot phase
PILOT AUDITS IN PROGRESS

Sample audits below come from real bills we've run internally since November. Public recovery totals replace this when paid tiers launch in Q1 2026.

  • Audit #P-01·Spectrum·$47.99Sample · pilot
  • Audit #P-02·Comcast·$89.00Sample · pilot
  • Audit #P-03·AT&T·$124.00Sample · pilot
  • Audit #P-04·T-Mobile·$32.50Sample · pilot
  • Audit #P-05·Verizon·$67.75Sample · pilot
  • Audit #P-06·Spectrum·$158.20Sample · pilot
  • Audit #P-07·Xfinity·$42.10Sample · pilot
  • Audit #P-08·Frontier·$78.45Sample · pilot
  • Audit #P-09·CenturyLink·$96.20Sample · pilot
  • Audit #P-10·Cox·$54.99Sample · pilot
  • Audit #P-01·Spectrum·$47.99Sample · pilot
  • Audit #P-02·Comcast·$89.00Sample · pilot
  • Audit #P-03·AT&T·$124.00Sample · pilot
  • Audit #P-04·T-Mobile·$32.50Sample · pilot
  • Audit #P-05·Verizon·$67.75Sample · pilot
  • Audit #P-06·Spectrum·$158.20Sample · pilot
  • Audit #P-07·Xfinity·$42.10Sample · pilot
  • Audit #P-08·Frontier·$78.45Sample · pilot
  • Audit #P-09·CenturyLink·$96.20Sample · pilot
  • Audit #P-10·Cox·$54.99Sample · pilot
Disputable charges flagged in pilot audits · since November 2025
$1,400
Pilot phase · real recoveries begin Q1 2026.
The agency

Built for one job. Done well.

Most billing dispute services chase volume. Owly works one case at a time, builds the strongest letter possible, and tracks every recovery. The math is simple — when Owly wins, you keep more.

No call centers. No upsells. The agency is small on purpose.

A case file, a brass key, and a magnifying glass on dark mahogany.
Materials · the agency's office
Tiers

Pick your tier.

Free to open a case. Paid when you want unlimited investigations. Honest pricing — no commission on your recovery.

See full pricing
Investigator
Free

Open your first case at no cost.

  • 3 cases per month
  • AI dispute drafting
  • Recovery tracking
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Pro Investigator
Coming soon

Paid tiers launch with Stripe in Q1 2026.

For the persistent. Unlimited casework.

  • Unlimited cases
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  • Email + SMS notifications
  • Calculator with deep audit
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Agency
Coming soon

Custom engagements. Reach out for early access.

For teams running multiple clients.

  • Everything in Pro
  • Multiple investigators
  • Branded letters
  • API access
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The casebook

Questions for the detective.

The short answers. Long-form lives in the casebook.

Owly opens a case in your casebook, runs the statement through the investigation pipeline, and surfaces the line items that look wrong. You review the draft letter, approve it, and Owly handles the rest.
Take back what's yours.

Owly opens the casebook. You file the first case in under a minute. The agency works for you.

Start a case
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Free to open · No credit card · Owly is on the case.

Bank-level encryption. No card on file until paid tiers launch. Your bills stay yours.