UnBlock-US does not require a US-based address/credit card. I use paypal. Also there's no contract, $5.00/month. I say give it a try and cancel if you don't like it. It's just a DNS lookup change on either your device, or on your router if you want to change the whole house at once. Dead simple. It allows you to choose Netflix content (US/CAN/UK/ etc...).
Now, to replace your cable/satellite you would need something like HULU Plus. For THAT you need a US address, credit card, VPN. Much more hassle to setup - but there are services that will handle the setup for you, legally. $60 for 6 months I think. HULU Plus is not commercial free however with no means to skip commercials either, but their content is quite large (TV, movies, etc)