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.

financial issue

Well a friend of mine had a temporary financial issue (serious medical problem) and applied to the electric company for emergency aid funding, they paid $100 towards her bill for 6 months. (if she was careful her bill would not be more than that since she was a single person). Maybe you should ask about whether your company offers something like that… that would help. Also the phone can be put on bare bones service for a while as can cable to avoid fees for a while and that way you could also avoid reconnect charges later.
There is actually a way to get the phone “free” if you qualify financially, my friend had that too, it only allowed her to make local calls.