Questions, answered honestly.

We are a bill-negotiation service. You send us a recurring bill, and our team of trained negotiators calls your provider on your behalf to get the rate lowered. You keep the same service, same plan, and same provider — just at a lower price.

Yes, completely. Negotiating bills is a normal customer right — you have every legal right to ask your provider for a better rate. We just do it professionally on your behalf, the same way a tax preparer files your taxes on your behalf.

No. There is no login, no password, no portal. You just submit your bill through our form and we contact you by phone. Everything happens by email or phone call — no app to install, no account to manage.

Absolutely. Everything we do, you could do yourself with enough time and patience. We just save you the hours on hold, the awkward conversations, and the uncertainty — and we have leverage from doing this thousands of times.

30% of the savings we secure for you in your first 12 months. So if we save you $100/month, your annual savings is $1,200 and our fee is $360 — leaving you $840 ahead. Year two onwards, 100% of the savings are yours.

After we lock in the lower rate, you approve it, and the savings have actually started showing on your bill. We send you an invoice with a card link or ACH option. No payment is collected upfront.

Then you pay nothing. That's the entire model. We only get paid when we succeed, so we have no incentive to waste your time or ours.

None. No monthly subscription, no annual fee, no membership. You pay our one-time fee from your savings, and that's the only money you ever owe us.

Credit card, debit card, ACH bank transfer, and PayPal. All payments are processed through Stripe and PayPal — we never see or store your card information directly.

Most bills are negotiated within 3 to 7 business days. Mortgages and car loan refinances take longer — typically 2 to 3 weeks because of the lender-side paperwork and underwriting required.

No. We negotiate the price only. Your internet speed, channels, coverage, plan, equipment, and provider all stay exactly the same. The only thing that changes is what you pay.

Almost nothing. You may need to verbally authorize us once at the start so the provider knows we're allowed to speak on your behalf. After that, we handle everything until we call you back with the final offer.

We track every customer's renewal dates automatically. About 30 days before your promo expires, we reach out and offer to renegotiate at no extra charge to you (other than 30% of any new savings we get).

Yes. We use bank-grade 256-bit encryption, store data on SOC 2-compliant infrastructure, and never share customer information with third parties for marketing purposes. Period.

No. We never ask for online account credentials. Everything we need is on your bill — account number, current rate, plan details. Plus a brief verbal authorization to your provider during the negotiation call.

Never. We don't sell or share your data with anyone. Read our Privacy Policy for the full details. Trust is the whole foundation of our business.

Yes. Email us at support@billease.com and we'll permanently delete your records, typically within 5 business days. Some financial records we have to keep by law for 7 years, but they're not used for anything else.

Yes. We work with a network of lenders to find you a better rate, drop PMI, or change your term. Note: we are not a lender ourselves — we facilitate the process and connect you with the right lending partner. Mortgage refinances take 2 to 3 weeks.

Yes, if your loan is over $7,500, the car is under 10 years old, and you've been making on-time payments. We'll shop your loan across multiple credit unions and banks to find a better rate, especially if your credit has improved since the original loan.

Medical bills, student loans, taxes, child support, and most government-related bills. We focus on consumer services where there's actually room to negotiate — i.e., where a competitor exists or retention departments have flexibility.

Generally no. Prepaid plans (like Mint, Cricket, prepaid electric) are already discount products without retention departments, so there's no leverage to negotiate. We may be able to switch you to a better prepaid option — ask us.

Yes. There's no contract, no subscription, no commitment. You're free to walk away at any point during a negotiation. If we haven't saved you money yet, you owe nothing.

You don't have to accept it. We'll present the savings, and only if you approve do we make it official with your provider. If you reject, we move on and you owe nothing.

If your provider reverses the negotiated savings within 60 days (which is rare but happens), we will refund our fee 100%. Outside of that, our fee is non-refundable since we've completed the work.

Email us or call our support line and we'll remove you from the renewal tracking system. You'll keep your current rate; we just won't proactively try to renegotiate when it expires.