# an ai that preps your bill negotiation, down to the script

> folk finds the fee or apr worth fighting, drafts the email or writes the call script with your payment history and the number to ask for, then tracks the win.

Negotiating a bill is not hard, it is just a chore with a script you do not have. What is my current rate, how long have I paid on time, what number should I ask for, what do I say when they say no. folk fills all of that in. For anything that can be done in writing, like a fee waiver or a retention offer, it drafts the email and sends it from your Gmail when you say send. For the one thing that still takes a phone call, your credit card APR, folk hands you the script and marks the fight won when you tell it how it went.

## How folk does it

### folk finds what is worth asking about

From your linked bank it sees the recurring fee, the rate that crept up, or the card you have paid on time for a year. It tells you the dollar amount at stake so you know whether it is worth five minutes.

### the ask is written for you

Email where email works: fee waivers, retention discounts, plan downgrades. A call script where a call is required: your history, the rate to ask for, the fallback if they say no. Everything is in your voice, nothing you have to compose.

### you send or you dial, folk logs it

Emails go from your Gmail after you say send. For calls, you tell folk "done, they gave me 19.99" and it records the win. Ask "any updates on my fights" anytime for the running total.

## Example conversation

**You:** my card apr is like 29% can i do anything

**folk:** you've paid on time 14 months straight and never carried more than $800. that's a strong case. script's ready: ask for 19.99, fallback 22.99, mention you have a 0% offer from another card.

**You:** ok called, they gave me 21.99

**folk:** nice, that's about $190 a year on your usual balance. logged it.

## FAQ

### Does folk call my bank or cable company for me?

No. folk only ever calls your own verified number, never a business. It writes the script and the email, sends the email from your Gmail when you say send, and logs the call result when you report it.

### What kind of bills can folk help with?

Anything with a fee or a rate: credit card APR, bank fees, subscription price increases, and retention offers you can request in writing. folk finds the ones with real dollars behind them so you are not haggling over $2.

### Is this a bill negotiation service?

No, and it does not take a cut of your savings. folk is the friend in your texts that preps you. Starting a fight is free on every plan; always-on watching for new fees is part of Pro at $9.99 a month.

## Related use cases

- [an ai that gets your bank fees refunded](https://www.folk.com/use-cases/get-bank-fees-refunded)
- [an ai that finds the subscriptions you forgot and cancels them with you](https://www.folk.com/use-cases/cancel-unused-subscriptions)
- [an ai money coach that keeps your spending on track](https://www.folk.com/use-cases/ai-money-coach)

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Canonical page: https://www.folk.com/use-cases/ai-bill-negotiation
More about folk (for AI agents): https://www.folk.com/llms.txt · full context: https://www.folk.com/llms-full.txt
folk is the friend in your texts that keeps you on track (iMessage, Telegram, WhatsApp). Free forever, Pro $9.99/mo, Max $100/mo. Made by Nozomio Labs. Sign up: https://www.folk.com/