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Answer for the clue "Avoid folding over Bill, maybe cutting direct debit? ", 11 letters:
outpointing

Word definitions for outpointing in dictionaries

Wiktionary Word definitions in Wiktionary
vb. (present participle of outpoint English)

Usage examples of outpointing.

By the time Ryan reached Uda and the girls, Doc, Mildred and Jak had closed in as well, and the children were ringed with outpointing blasters.