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.