“Three months behind and dreading the call. They set up a plan I could actually keep.”
Carla W.
Memphis, TN
Behind on Your Phone or Internet Bill? You Have More Leverage Than You Think.
We negotiate past-due phone, internet and cable balances with your provider — late fees, payment plans, and reconnection — before collections gets involved.
No upfront fees • Secure
How this one works
Fully delegated — no call needed- Step 01
Send us the notice.
The past-due statement or final notice from your provider — whatever you have is enough to start.
- Step 02
We negotiate a way out.
Late-fee waivers, payment plans you can actually keep, settlements, and reconnection — negotiated with your provider under your authorization. You never make the call.
- Step 03
You approve the plan.
You see every term before anything is agreed. No plan starts without your sign-off.
What we look for
Expert audit points
Late fee & penalty waivers
Payment plan negotiation
Balance reduction & settlement offers
Reconnection & disconnection prevention
Collections referral prevention
A lower ongoing rate once you're caught up
Pricing for past due bills
Success-based, always: we're paid only when we deliver a resolution you approve — never before, and never for our time. You see the exact fee up front, before we make a single call.
You pay $0 unless we save you at least $200 on what you owe.
Past Due Bills questions
You've got questions. We've got answers.
Will this hurt my credit?
It depends on where the bill stands and what resolution you choose — some settlements can be reported, and we'll tell you honestly when that's a risk. Acting before collections gets involved usually protects your credit better than waiting.
Can you get my service turned back on?
Reconnection is part of the negotiation. If your service has been reduced or disconnected, restoring it is usually on the table alongside the payment plan — and we ask for the reconnection fee to be waived while we're at it.
Which providers do you work with?
All major phone, internet and cable providers — the same companies we negotiate with every day, including Verizon, AT&T, T-Mobile, Spectrum, Comcast/Xfinity, Cox, and Optimum. That relationship is exactly the leverage your past-due balance needs.
What if I can't pay anything right now?
Tell us that too. Payment plans, hardship programs, and fee waivers exist precisely for this — the goal is terms you can actually keep, not promises that set you up to fall behind again.
Reviews
Lower bills, happier wallets.
“Late fees waived and my internet back on the next morning. Never picked up the phone.”
James B.
Fresno, CA
“They stopped it going to collections and cut what I owed. I just approved the plan.”
Nia P.
Detroit, MI
Savings vary by case and are not guaranteed
A late bill isn't a character flaw. It's a negotiation.
Providers negotiate past-due balances every day — we're already on the phone with them. Nobody should battle a bill alone.
Help Me Catch UpNo upfront fees • Secure