Abstract: A method of entering into and performing a service agreement, comprising maintaining a provider account database comprising records for service providers; providing a website that enables a customer to interactively select a service provider from the provider account database; enabling said service provider to provide an electronic estimate form that includes a description of work to be perform and an estimated price; enabling said customer to accept or reject said price estimate; enabling said service provider to submit a bill for work performed following acceptance of said price estimate; enabling said customer and said service provider to exchange messages via interactive chat wherein said chat is in reference to exchanged forms and bill data; and electronically obtaining money from the customer and transferring the money to an account from which the service provider is paid.