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Credit Repair (Bills, Loans & Debt)
"The bills stop coming. Toni stops taking his cut."
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How do I install Credit Repair (Bills, Loans & Debt)?
Download the free ProjectMods desktop app, then install Credit Repair (Bills, Loans & Debt) for Bills Must Be Paid in one click.
</>What does Credit Repair (Bills, Loans & Debt) do?
The bills are the whole point of the game, which is exactly why it is so satisfying to make them go away. Clear My Loan wipes what you owe the loan shark outright, and the cut he takes from every run goes with it. Pay All Bills settles every unpaid bill you are holding in one press, paid out of your own wallet. Stop New Bills keeps fresh ones from arriving at all, so you can play the smashing half of the game with no deadline hanging over you. Kill Debt Penalty removes the loot penalty that debt puts on your earnings, so your payouts stop being quietly shaved. Switch the mod off and the bills start arriving again, in case you miss them.
</>What is Credit Repair (Bills, Loans & Debt)?
Bills Must Be Paid builds its whole squeeze out of due dates, which is exactly why switching them off feels so good. Credit Repair wipes what you owe the loan shark, settles the unpaid bills and past due notices you have already collected, keeps new ones from arriving and lifts the debt penalty on your earnings, so you can play the smashing half of the game with no deadline at all. Part of the ProjectMods catalogue of 1,600+ mods.
</>Common questions about Credit Repair (Bills, Loans & Debt)
What does Credit Repair do in Bills Must Be Paid?
Credit Repair gives you four ways to make the debt side of Bills Must Be Paid go quiet. Clear My Loan wipes the balance you owe the loan shark outright. Pay All Bills settles every unpaid bill you are holding in a single press. Stop New Bills keeps fresh ones from arriving at all while it is on, and Kill Debt Penalty removes the earnings penalty that being in debt puts on your payouts. Together they turn a game about deadlines into a game about hitting piggy banks. Switch the mod off and bills start arriving again, in case you find you actually miss the pressure.
What is the difference between Pay All Bills and Stop New Bills?
Inside Credit Repair, Pay All Bills is a one-off tidy-up and Stop New Bills is an ongoing shield. Pressing Pay All Bills settles every unpaid bill you are holding at that moment, paid out of your own wallet, so keep some cash on hand before you press it. Your slate is clear right now, but more will still arrive with fresh due dates. Stop New Bills is a toggle instead: while it is on, nothing new arrives at all. Most players press Pay All Bills once to wipe the current backlog, then leave Stop New Bills on so nothing lands for the rest of the session. Turning the toggle back off lets bills arrive as normal.
What does Kill Debt Penalty actually change?
Kill Debt Penalty removes the quiet tax that debt puts on your earnings in Bills Must Be Paid. Normally, owing money shaves your loot payouts, so the deeper you sink the harder it is to climb back out, which is the trap the game is built around. With this toggle on, your piggy banks pay what they are actually worth regardless of what you owe. It is the option to reach for if you would rather keep the bills and the due dates in play, because it fixes the unfair part of debt without removing the challenge. Leave the rest of Credit Repair switched off and this works on its own.
Does clearing my loan stop the loan shark taking a cut?
Yes. In Bills Must Be Paid the loan shark, Toni, skims a slice out of what you earn for as long as you owe him, and that cut climbs the longer the loan stays open, so the balance is not just a number waiting at the end of the run. Pressing Clear My Loan wipes that balance to nothing, and the cut he has been taking goes with it, which usually shows up immediately as bigger numbers coming off the table. If you want both effects at once, pair Credit Repair's Clear My Loan with its Kill Debt Penalty toggle so neither the loan nor the debt penalty is trimming your payouts while you play.
What happens when I switch Credit Repair off?
The game goes straight back to normal. Bills start arriving again in Bills Must Be Paid, due dates start mattering again, and the usual pressure returns, which is the point of keeping the master switch there rather than making the change permanent. Anything you already settled stays settled, so a bill you paid with Pay All Bills does not come back from the dead. Players often run Credit Repair for a session to clear a pile of overdue paperwork in one press, then turn it off and play the rest of the save under the game's own rules with nothing hanging over them.
What options does Credit Repair (Bills, Loans & Debt) include?
Stop New Bills
Stops any new bills from arriving while it is on.
Pay All Bills
Press to settle every unpaid bill on your desk.
Enabled
Master switch. Turn it off to go straight back to the normal game. Bills start arriving again and the usual pressure returns.
Clear My Loan
Press to wipe your loan balance to nothing.
Kill Debt Penalty
Removes the earnings penalty that debt puts on your payouts.
Credit Repair is a ProjectMods mod for Bills Must Be Paid that clears your loan balance, settles every unpaid bill in one press, stops new bills arriving, and removes the earnings penalty that being in debt puts on your payouts.
System Requirements
What features does Credit Repair (Bills, Loans & Debt) include?
- Wipes your loan balance to nothing in one press, so Toni stops taking a cut of every run
- Settles every unpaid bill in one press, paid from your own wallet, so nothing slips past its due date
- Stops new bills arriving entirely, so there is no deadline hanging over the next run
- Removes the earnings penalty debt puts on your payouts, so your loot stops being quietly shaved
- Switch it off and the bills start arriving again exactly as they did before
Best For
- The loan got away from you, the next due date is closing in, and the wallet is empty
- Players who love the smashing half of the game and could happily skip the paperwork half
- Anyone who let the loan snowball early and now watches every payout get trimmed before it lands
- Setting up a relaxed session where the table is the whole game and nothing at all is due
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