If you don’t ask then you won’t know

Usually as long as you are paying the current month’s utility plus something toward the past due balance they should be willing to work with you.

If the first person says no, ask to speak to his/her supervisor. Plus ask about financial help meeting your bills. Even if you don’t qualify it will delay them demanding money and give you at least one more payment to send in something toward the past due amount.

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Call them and see if you can work out a payment plan

Say you’re $100 behind on something, and the normal payment is $30. Maybe they’ll accept payment on the overdue amount over 4 months. So for the next 4 months, you send them $55(the normal $30 plus $25 catch-up payment.
Assuming that payment fits in your budget, it does 2 things. One, you’ll be caught up on that one in 4 months. Two, in the fifth month you’ll now have that extra $25 to throw at another bill. Do I hear a rolling snowball…? :-)

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