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Getting help

Behind on a bill?

Anyone can ask. Verify once with your ID, snap the bill, and add as many as you need. We pay the company you owe, directly.

Start in the app Ask a question first

What it costs you

$0

  • No fee, ever
  • Not a loan; nothing to pay back
  • No income test, no essay
  • In English and Spanish
  • iPhone, Android or any browser

Does this fit?

Three questions

Three yeses and you can start now. It takes about five minutes.

Is the bill in your name?

It has to be your account: your electric bill, your hospital statement, your court fine, your loan or card. We can’t pay a bill that belongs to someone else.

Question 1 of 3

Is it owed to a company, hospital, court or lender?

We pay creditors we can verify: utilities, hospitals and clinics, courts, lenders, card issuers and collection agencies. Not a landlord yet, and never a person.

Question 2 of 3

Is it between $100 and $5,000?

One bill at a time, $100–$5,000. Bigger balance? Ask the creditor for a payoff or settlement amount in that range, or split it across statements.

Question 3 of 3
Three yeses? Start in the app

What happens next

From the photo to paid in full

  1. 01

    Confirm it’s you, once

    A photo of your ID and a selfie, checked by Stripe Identity. We never store the images, and we never show your last name, address or account number to anyone.

  2. 02

    Snap the bill

    A photo of the statement or notice. We read the creditor, the account and the balance from it, and confirm the balance with the creditor.

  3. 03

    Choose how you appear

    First name or no name, your city, and one line in your own words if you want. That’s all donors see.

  4. 04

    It goes live

    Usually within a day or two. Donors pay it down with small gifts; most bills are paid in full within a couple of weeks.

  5. 05

    We pay the creditor

    You get the paid-in-full confirmation and the creditor’s receipt. You can send one thank-you to the people who gave.

You will never be asked for

  • Money, a fee or a deposit
  • Pay stubs, bank statements or tax returns
  • An essay about why you need it
  • Your Social Security number in the app

Honest limits

What we can’t do

  • Send you money. Ever. Every payment goes to the creditor.
  • Pay rent or a person you owe. Person-to-person debts are not something we can verify.
  • Pay payday or title loans.
  • Promise a bill gets funded. Most do. If yours isn’t funded in 45 days, you can resubmit.

Need help today?

If a shutoff or a court date is hours away, call 211 for emergency utility assistance, legal aid and local relief funds. Send the bill to Zeroed too; the two don’t conflict.

Call 211 Visit 211.org

Questions first? [email protected]

Three yeses? Start now.

About five minutes, once. Then add bills whenever you need.

Start in the app