One page. One afternoon. Whose name is on each line.
A recurring bill is easy to see and easy to argue about. What the bill is buying is usually invisible, and the expensive part is almost never the amount. It is whether you could leave.
This is the sheet. It is free, and there is no email required to use it.
Work through each line below. For every one, you need three answers:
Set the Status on each row to OWNED, SHARED or THEIRS. Tick Business stops tomorrow where losing that line would actually halt the work.
You are not trying to get to all OWNED. Plenty of THEIRS lines are fine and normal.
You are looking for the lines where THEIRS and Business stops tomorrow are both true. That intersection is usually two or three rows, and it is the entire negotiation.
Take your THEIRS and critical lines and ask for one thing per line: to be added as an owner, not to take it over.
It is a small ask, it is hard to refuse without saying something revealing, and the answer tells you what kind of provider you have. A good one adds you the same week. The response is the diagnostic.
Settle this before they start. Not the price. Whose name goes on what, and what you are left holding when the work is done. Anyone good will find that an easy conversation.
Build to Thrive