GAP Refund Demand Letter
A formal, citation-backed letter that demands the prorated GAP refund you are owed after an early payoff, refinance, trade-in, or total loss. Start with a free analysis of your documents — you do not pay anything unless you choose to send the letter.
Free · Instant · No signup · No card · Optional letter only if you act
How it works
Free analysis · No signup · No credit card
Upload your GAP & payoff documents
FreeYour GAP contract, payoff letter, or total-loss settlement.
Get your free refund analysis
FreeWe estimate the prorated refund you may be owed and identify the administrator to bill.
Choose to generate your demand letter
Optional · $39Only if you decide it is worth it — a formal, citation-backed letter you can send.
You pay nothing until the final step. The document upload and your refund analysis are free. The $39 demand letter is generated only if you decide to send it — after you have seen what you may be owed.
What the demand letter includes
Statutory & CFPB citations
References the consumer-protection basis for an unearned-premium refund.
Itemized prorated demand
States your payoff date, unused term, and the refund figure you are requesting.
Addressed to the right party
Directed to your GAP administrator or the dealer principal — not a generic inbox.
Certified-mail ready
Formatted to send by certified mail with a clear response deadline.
FAQs
Do I have to pay to find out if I am owed a GAP refund?
No. Uploading your documents and getting your refund analysis is completely free — no signup and no card. You only pay if you decide to generate the formal demand letter after seeing your analysis.
When exactly do I pay?
Only at the very last step, and only if you choose it. After your free analysis shows what you may be owed, generating the demand letter is an optional $39. Nothing is charged before that decision.
What do I get for $39?
A formal, ready-to-send GAP refund demand letter: itemized prorated calculation, the consumer-protection basis for the refund, addressed to your administrator or dealer, and formatted for certified mail.
Is this legal advice?
No. GAP Refund (a BureauGuard AI service) provides automated document preparation and general information, not legal advice or representation. For your specific situation, consult a licensed attorney.
See what you are owed — free
Upload your documents for a free analysis. The letter is optional, only if you act.
GAP Refund is a BureauGuard AI service. We provide automated document preparation and general information, not legal advice or representation, and do not guarantee a refund or any amount. Last reviewed: June 2026.