Top Bill Negotiation Services

Find the Best Bill Negotiation Services

Get Connected

Modern bill negotiation services use their expertise in the industry to help you better deal with some of the most common bills you pay monthly, without any upfront costs. If you are like most people, you are probably concerned you are paying too much for services.

You may even wonder if you are being taken for a ride by the cable company or unsure how to settle outstanding medical bills. If you have wished for a better deal but dread having to sit on hold for hours or negotiating with a company representative, then bill negotiation services may be just what you need.

The goal of these service providers is to help you get a better deal. If you are considering using these services, knowing how to find the right one is essential.

What to Consider When Choosing Bill Negotiation Services

Before diving into finding the best bill negotiation service providers for 2020, it’s a good idea to know what to consider and look at. This will help you find the service provider that best suits your needs and financial goals.

The Cost of the Service

Since your goal is to save money, you wouldn’t want to pay the bill negotiation service too much. Some of these services won’t charge you if they can’t reduce your bills.  Some bill negotiation services use a different type of pricing model. As a result, it is a good idea to learn about the pricing schedule before signing up.

How Much Can They Help You Save?

Everyone has a unique situation when it comes to their bills. Some companies offer an online savings calculator, which will give you a ballpark figure on what you may be able to save.  Some medical bill negotiation companies can help you save money on more significant bills. It is a good idea to find out the type of bills they will negotiate before signing up.


One of the biggest hesitations many people experience when they are thinking about using a bill negotiation service is that their financial security and personal identity may be at risk. Not everyone will be comfortable sharing account information with a third party or allowing another service to discuss financial arrangements with someone unknown.

Support and Service

Many of the bill negotiation services will invite you to get the ball rolling by sending them the information about your existing bills. You can let them know what bills you want them to deal with on your behalf.  This can be done via email or an app. They also offer ongoing support and service. However, this is another factor you should find out about before you sign up for service.

Bill Negotiation Services Options

Now that you know what to consider when selecting a bill negotiation service, it is good to learn about the options available.


This is a bill negotiation service that has been featured on the television show “Shark Tank.” On the show, the creators discussed how consumers have been overpaying for most of their bills and explained how they could save a lot of money.  Billshark ultimately received an investment from Mark Cuban.

Even if you don’t think you have a lot of bills that you could save money on, it is worth looking into. The site is secure and claims to have a success rate of 90%.  Billshark is not a free service. It requires you to pay them approximately 40% of the savings that they find for you. While that seems like a lot to pay, it is still savings that you would have been paying to the company otherwise.


This is another popular bill consolidation and negotiation service based in Nashville, Tennessee, and is run by two brokers. This company will handle the haggling and negotiation with your service providers and help to reduce the bills as much as possible. If you want to know more about how much you are overpaying on these bills, it is entirely risk-free to try this service.

All you have to do is sign up and send the company information about your bills.  They also help business owners. BillFixers can negotiate with service providers so business owners can avoid having to stay on the phone for hours instead of focusing on growing their business. This is a plus since not all of the services listed here will offer help for business owners.

This company charges 50% of the savings they get for you. If they don’t save you any money, there is no charge.  The only other fee that BillFixers may charge is the $25 flat fee if you want them to cancel a service for you.


This particular bill consolidation service has been providing help and solutions for people since 2009. On average, the company can help save customers between 25% and 35% on their recurring monthly costs. The seasoned staff understands what to look for to help you save money, which means their success rate is somewhat higher than some of the other services on this list.

To use BillCutterz, you can sign up online. At this point, their team will review your information to see if you are paying any unneeded fees. The company also keeps track of any service provider discounts and promotions that are being offered.  Any savings that this company finds for you will appear on your next bill automatically.

BillCutterz works with residential households, businesses, and nonprofit organizations. It will split the savings they find for you during the first year 50-50. This company offers incentives and rewards for the services provided. For example, you can receive a 10% discount for paying the first invoice they send you. If you refer friends who sign up for BillCutterz, you will receive a $10 Amazon gift card.  The site uses an encrypted website to help protect your personal information. They also make the guarantee never to sell or share the information you give them with a third party.


This company started in 2015 and has more than 20 years of combined experience, helping consumers save money on their bills. The negotiation team has a background in collections, insurance negotiations, and sales, giving them an edge when it comes to negotiating lower bills.

Once you sign up for BillAdvisor, you will submit all your bill information and answer a few basic questions. Your negotiation will get in touch with your service providers to help negotiate lower rates on all your bills.  This company charges half of what they help you save. If they are unable to save you any money, you don’t pay anything.

You can take advantage of a free trial offer, too, which lets you see if the company will be able to save you money on your bills. This service provider will negotiate with some of the most common providers, including television, home security, energy, home phone, internet, and cell phone. They can also negotiate your auto and life insurance policies.  An added bonus for choosing BillAdvisor is the concierge service they offer. This will continuously monitor any promotional discounts or rate hikes with each of your current service providers.

Medical Cost Advocate (MCA)

MCA is a unique cost negotiation service provider providing health care cost reduction services. It helps to negotiate all medical bills and costs.  The process used by this company is easy to understand and straightforward. The company claims it can help you save between 20% and 50% on their medical costs.  The first step that the MCA negotiators will take is to confirm the information. The next step is to provide them with the medical provider’s information. The last step is for the company to gather specific information about the bills you are trying to reduce.

You can choose to fax your bills if you like or send them via email. When you sign up, you must also enter your authorization and payment information, such as a credit card. When you sign up, the card is not charged.  It’s important to note that this company only works with medical bills that are over $300.  There is no upfront fee for using this service. If the company is unable to help you save money on your medical bills, they don’t receive payment. If they do save you money, the company will charge you 35% of what they help you save.

The billing advocates at this company have extensive training and work to maintain personal relationships with you to ensure you are getting all the savings you deserve.

Finding the Right Bill Negotiation Service

As you can see, there are quite a few options when it comes to bill negotiation services. It is up to you to read the information here and find the solution that best meets your needs.

When it comes to your personal finances, finding ways to save money is always beneficial, and something that most consumers have looked for at this point. The companies on this list can help you get the best price possible for some of the most common bills you pay.

If you are searching for more information about personal finance management, we have the answers and solutions you need. We also have information on loans, credit cards, and all financial-related things in your life. Our goal is to help you make the best financial decisions.