See, it's funny because there are bunches of websites advertising that they can reduce your car payments, you mortgage payments, your tax bill.
Mostly they want you to pay them so they can help you take advantage of things you could do yourself - like asking companies to help restructure your bills. Be careful out there, folks.
Back to the chemistry, though...
Very few services, however, really help you reduce (in the chemical sense - meaning to have the compound or element gain electrons) your bills. It would be easy enough oxidize your bills in the chemical sense (meaning to have the bills lose electrons) by just burning them, but reducing your bills would be a little tougher.
Though sodium borohydride would be a fine starting point.
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