Lower your bills: word-for-word call scripts for internet, phone and medical bills

Call script

Internet or cable

Tip: Call the "cancel" or "retention" line. They can offer deals the regular line can't.

"Hi, I've been a customer for [years]. My bill is now $[amount], and that's more than I can keep paying."
"I'm looking at other options in my area. Before I decide, what can you do to lower my monthly price?"
"Are there any current promotions, or a cheaper plan with the speed I actually use?"
If the answer is no: "Thanks. Can you transfer me to the department that handles cancellations?"

After the call: Write down the new price, how long it lasts and the rep's name. Set a reminder a month before the deal ends.

Call script

Tip: Check how much data you really use in your account first. Many people pay for far more than they need.

"I want to lower my bill. I use about [X] GB a month. Is there a plan that fits that better?"
"Are there discounts for autopay, paperless billing, or for seniors, military or teachers?"
"Can you take off any extras I don't use, like insurance or add-ons?"

After the call: Ask for the new monthly total including taxes and fees, and check your next bill.

Call script

Tip: Don't pay a large medical bill before you have the itemized version. Mistakes are common.

After the call: Nonprofit hospitals must have a written financial assistance policy. Ask for it, and get every agreement in writing.

Call script

Tip: Being polite and having paid on time before helps a lot.

"I was charged a late fee of $[amount]. I've been a good customer, and this was a one-time slip. Can you remove it?"
"My interest rate is [X]%. Can you lower it? I've had good payment history."
"Is there a hardship program if I'm having trouble paying?"

After the call: If they say no, ask politely again in a few months. Never move a balance to a new card without checking the fees.

Call script

Tip: Call before your policy renews, not after.

"My policy renews soon. Can you review it with me for any discounts I'm not getting?"
"Do you offer discounts for bundling, a good driving record, low mileage, a home alarm, or paying in full?"
"What would my price be with a higher deductible?"

After the call: Compare the renewal price with at least two other quotes before you accept it.