Around similar time every month, hundreds and thousands of Americans are visiting their mailboxes finding the comfort of their preferred magazine just to be faced with white envelopes having small cellophane windows.

Most people are probably used to these mailers, water, telephone, gas and electric bills, all planning to take part of their hard-earned income.

For the majority of individuals, making payments on utility bills could be a frustrating and hostile task.

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This item is a 32 page PDF eBook.