Bills to Pay helped me through a very dark period of my life after I was made redundant at work. By preparing a realistic budget and negotiating with some creditors they handled my finances so I had the oxygen to deal with the other challenges in my life. I was very impressed with Kris and Bills to Pay, they were non-judgmental, flexible and had some cost saving tips that I still implement today. I would not hesitate in recommending Bills to Pay to anyone with financial difficulties.