AI Bill Negotiation

Use ChatGPT to draft scripts

Tell AI: "Write me a script to negotiate my cable bill down. Current bill $180/mo. I've been customer 8 years. New customer rate is $99/mo. Goal: match new customer rate."

AI generates word-for-word script. You read it on the call. They reduce bill.

Bills you can usually negotiate

• Cable / internet — annually. Save $20-100/mo.
• Cell phone — annually.
• Insurance — auto, home, every 1-2 years.
• Credit card APR — call + ask, often lower.
• Medical bills — almost ALWAYS negotiable. Save 20-60%.
• Subscription services — Netflix, Sirius XM.
• Gym memberships.

Magic phrases to try

• "I've been a customer X years. I've seen your new-customer rates. Can you match those?"
• "I'm looking at switching to [competitor]. What can you do to keep me?"
• "That's outside my budget. What can you do?"
• "I'd like to speak with retention department, please."
• "I'll give you a yes / no answer in 5 minutes — I just need your best offer."
• Silent = powerful. Don't fill silence.

Medical bill negotiation

• Ask for itemized bill — review for errors.
• Ask for "self-pay rate" — often 30-50% off.
• Apply for "financial assistance" — most hospitals required by IRS.
• Ask for payment plan — interest-free.
• Get medical bill negotiation services (Resolve, RIP Medical Debt) for big bills.
• Don't pay first bill — usually negotiable.

Service that does it for you

• Rocket Money — $4-12/mo. Negotiates bills + cancels subscriptions.
• Trim — similar service.
• Often save 5-15% — they keep 30-40% of savings.
• OR: do it yourself with AI script. Free.