I had a few minutes, and Bill trim showed up in Facebook. I logged in and started with my cell phone account and within a few hours I had to notice from my carrier not although they couldn't lower my bill they were giving me money back! That's about as hard as it was. Of course beltram kept some and they deserve it! Will now hit the other bills like car insurance cable and homeowners! What a great service. And they kept in touch along the whole way awesome