Frequently Asked Questions

What is BillSmart?

BillSmart is a negotiation service for phone and cable bills and credit card debt.  We save you money on your phone and cable bills by negotiating discounts and getting one time credits. We save you money on credit card debt by lowering your APR and getting interest and fees refunded.

How does it work?

Upload your bills to our website or email us your bills at Our negotiation experts will get to your bill within 3 business days. We’ll send you an email after the negotiation is done with the results.

What bills do you negotiate?

We negotiate all types of bills. Some common ones include phone, cable, internet, satellite radio, and home security bills. We can also help if you have bills outside of the United States in countries such as Australia, Canada and the UK.

How much money could I save?

We’ve saved users up to $2,980 on a single bill.  On average we save users $352.  Please note that your savings will depend on your situation and what provider you have.  We don’t save as much money when your account is past due and is about to be turned off.

What makes BillSmart experts at negotiating?

Our experts have negotiated thousands of bills.  They know the latest and most effective strategies because they are negotiating with service providers every day.  Many times they worked for service providers before and know the tactics and pathing to get the biggest discounts.  Additionally, we use big data and data science to determine the best method to negotiate for your bill that will have the best results.

How much does it cost?

Our fee is 25% of what you’ll save in the first year. If your bill was $200 and we lowered it to $180, you will save $240 in a year of which we’ll charge you $60. It’s free if you don’t save money.

How do I contact you?

You can contact us by email at or leave us a message by phone at (213) 212-2337.