NEW - Bill Negotiation Services

At Tinae’s Financial Group, our Bill Negotiation Services are designed to help clients reduce recurring expenses and regain control of their monthly finances. We work on your behalf to review and negotiate eligible bills, identifying pricing discrepancies, outdated plans, and cost-saving opportunities—so you don’t have to spend hours navigating customer service departments.

Our experienced professionals provide strategic insight and hands-on negotiation support to help lower qualifying bills, improve affordability, and create sustainable, long-term savings. While individual results may vary, clients who utilize our bill negotiation services save an average of $1,700+ per year, allowing those funds to be redirected toward debt reduction, savings, or other financial goals.

At Tinae’s Financial Group, we believe financial progress isn’t just about earning more—it’s about keeping more of what you earn through smart, proactive financial management. Our strategies have successfully helped families increase their monthly disposable income by reducing unnecessary and inflated expenses.

Our 3-Step Bill Negotiation Approach

Strategy One: Competitive Pricing Analysis
We begin by evaluating your current bills and identifying competitive providers that may match or beat your existing rates. This “price-shopping” approach helps uncover more affordable alternatives without sacrificing service quality.

Strategy Two: Creditor Retention Negotiations
Our team contacts creditors by phone and/or written correspondence to explore retention offers and affordability options. In many cases, we successfully negotiate lower monthly payments, improved plan terms, and, when available, account credits—an added benefit beyond standard bill negotiation.

Strategy Three: Lifestyle Savings Optimization
We also guide clients toward additional ways to save in everyday life by leveraging vetted apps, discounts, cashback opportunities, and cost-reduction tools. These supplemental strategies help maximize savings beyond negotiated bills and often result in consistent, rewarding financial wins.

Car Insurance -

We Can Negotiate Your Current Policy or Find You a Better Competitor

The average customer saves around $140.52 using our service.

Internet Bills

The average customer saves around $20/month using our service.

Medical Bills

The average customer has saved $1342 in medical bills on average through financial hardship relief and affordable payment plans.

Cell Phone Bills

The average customer has reduced their monthly costs by up to $60/month and have received credits up to $120.

Student Loans -

Lowered Payments & Delinquency Curing

Is your student loan delinquent? No worries! We can help you secure a more affordable payment AND clear any delinquencies. Customers have reduced their payments to as little as $25/month.

Vehicle Note Modification:

Hardship-Related Reduced Monthly Payments

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Are you struggling with your car note after expressing financial hardship? No worries. Our team of experts can help you secure a loan modification with your lenders. This is not always guaranteed but our team of experts have successfully done this multiple times.