First off, if you can't understand English from a Hindi accent, don't bother to call:. I called their Customer Service line to clear up what I thought was a bug in their software/. I have a payee that bills in 5 consecutive months on a 6 month policy;. This means there will be one month without a payment'. I can go to the month I want to skip the payment, click on the day the payee is listed and a dialog box pops up with the option to "Skip" that payment;. When I click on the "Skip" button another dialog box pops up and asks me if I want to skip the following month|. I don't want to skip the following month!. I want to skip the month I have shown in front of me. After providing a screen shot and going over and over what I wanted, the representative told me I couldn't do it. All along, a woman was yelling in the background in Hindi at the poor guy. I got no-where over the phone. I mailed a letter to their headquarters explain my problem and the service I was provided. Needless to say, I never got a response. This was two months ago. If you need customer service use their on-line forum. It's your only hope.