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It ruins the fun of working for it, but it should be in buydebug.
Darn! That's what I thought. Don't worry, I always pay my bills xD. My room mate got the game for Christmas and refused to get the no bills ltr despite never remembering to check the mail. Hopefully I can convince him to get it now lol.
Well there is another way to avoid paying bills. Using your lifetime happiness points, there is an option to get the "no bills". It cost about 10,000 or 15,000 lifetime points. Once you get that, you can forget about the repo man ever visiting you again!