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How to Choose the Best Bill Negotiation Service

Bill negotiation services will use their expertise to get you a better deal on many common bills, often without any upfront costs.

Just about every single person has worried that they’re paying too much for services at some point or other. Perhaps you’ve wondered if you’re being taken for a ride by your cable company or you’re not sure how to settle your medical bills. If you’ve wished for a better deal but hate the thought of waiting on hold for hours or negotiating back and forth with a tough company representative, there are now middlemen that you can hire to do the negotiating for you. Bill negotiation services will use their expertise to get you a better deal on many common bills, often without any upfront costs. If you’re thinking about using a bill negotiation service, here’s what you need to know.


Given that you’re out to save money, the last thing you want to do is to end up paying more of it to someone else. Most bill negotiation services understand that, which is why they make a no savings, no fee promise. If they can’t lower your bill, you won’t pay anything. If they do, you’ll pay a percentage of the savings they’ve scored for you over the next 12 months. Billfixers and Billcutterz both charge 50% of your savings in the next year, either in 12 monthly installments or as a single lump fee. Billshark, Copatient, and Clarity Money all operate according to a similar system, charging 40%, 35%, and 33% of your savings respectively if they succeed.

There are some bill negotiation services which use a different pricing model. BillAdvisor offers a Silver package which charges 50% of the savings, but also a Gold package which charges a monthly fee of $12.99 to negotiate your repeating bills and you get to keep all of the savings. BillAdvisor promises that if it doesn’t save you more than your membership cost in the first 6 months, it will be refunded. DisputeBills also charges an up-front fee based on the total number of medical bills that you have to negotiate, rather than a percentage of the savings.

What They’ll Negotiate

Most bill negotiation services focus on 1 of 2 areas – either common household bills or medical bills. Services like BillFixers, Billcutterz, and Shrinkabill will negotiate bills that include cable TV subscriptions, gym memberships, internet, phone and cellphone services, pest control and landscaping, security services, and even trash disposal. BillAdvisor adds insurance policies for home and contents, life, and auto insurance. Some bill negotiation services will include costs like your bottled water subscription and home alarm services, too.

The other main field for bill negotiation services is medical costs. Copatient helps consumers get a better solution for unpaid medical bills, while Medical Cost Advocate (MCA) will verify if medical billing is correct and negotiate medical bills both before and after procedures have been carried out. Medical Cost Advocate only deals with bills of $300 or more. Finally, Trim’s bill negotiation services is less a negotiation service than a money-saving offer. Trim will search through your credit and debit card statements to find recurring subscriptions that you don’t need any more and will cancel them on your behalf.


One of the main hesitations that consumers feel when considering using a bill negotiation service is that of their personal identity and financial security. Not everyone is comfortable sharing their account information with a third party or permitting another service to discuss their financial arrangements with someone unknown, even in order to save money. Billfixers and Billshark offer customers to be on the phone with them when they make the call, so that you can know exactly what is shared and discussed. Shrinkabill reassures its clients that all of its employees undergo security screening and that all information that goes through their website is encrypted. Medical Cost Advocate simply gives the assurance that they do not sell or share your information with any third party.

How to Get in Touch

Most bill negotiation services invite you to start the ball rolling by sending in your current bills. You can submit bills that you’d like to have dealt with using the website, app, or via email for Billfixers, Billcutterz, and Billshark. BillAdvisor asks users to send in bills via the website, email, or multimedia message, while DisputeBills and Medical Cost Advocate still include fax alongside email and snail mail for submitting your unpaid bills for negotiation. Clarity Money invites clients to install the app or log onto the website to add accounts that need to be settled.

Save Money on Bills Today With a Bill Negotiation Service

Faced with the choice between saving money on regular bills and not losing anything by trying, most consumers decide that it’s worth it to give bill negotiation services a try. Cable subscriptions are the most popular target for bill negotiations, but any service that you think might be overcharging you is worth bargaining down.

How we created this
Compiled from “Best of” lists published by the world’s most trusted sources, and with our own recommended brands peppered in - this Top10 list aims to help consumers make smarter decisions.