Utility Help

Don't let it get shut off. You have more options than you think.

Once the power's out, getting it back on costs more than keeping it on. Here's how to stop a disconnection, get on a payment plan, and tap into help most people don't know about.

If you have a shutoff notice in hand

Today

Call the utility today. Ask: 'Can I get on a payment arrangement to prevent disconnection?' Most companies will say yes for the first request.

This week

Apply for LIHEAP — the federal home energy assistance program. Search '[your state] LIHEAP' or call 211.

The script that usually works

"I got a shutoff notice. I want to keep my service on. I can pay [amount you can actually pay] today. Can we set up a payment plan for the rest, and can you note my account so service isn't disconnected while we work this out?"

Be calm. Be specific. Have a number you can actually pay — even fifty dollars matters. And ask for a confirmation number for the call.

Programs that pay your bill for you

LIHEAP

The Low Income Home Energy Assistance Program is federal money administered by your state. It pays a chunk — sometimes most — of your heating or cooling bill once a year. Income limits are higher than people think (often 150–200% of the federal poverty line). The application takes about 30 minutes. Apply through your state office or call 211.

Weatherization Assistance Program (WAP)

Free home energy improvements for low-income households — insulation, sealing, sometimes appliance replacement. Reduces your bill long-term. Same income range as LIHEAP. Run by your state.

Utility-specific hardship programs

Most large utilities have an internal hardship fund — sometimes funded by donations on other customers' bills. They never advertise it. Ask the customer service rep: "Does [utility name] have a hardship or share-the-warmth fund I can apply for?"

Water bills

Water utilities are often city-run and have their own rules. Many cities offer payment plans, hardship reductions, or partial forgiveness. Ask. The application is usually short. Federal LIHWAP funds also help in many states — call 211 to ask if your state has it.

Where to get help

Call 211Free, 24/7. Routes you to LIHEAP, weatherization, and local emergency utility funds.
Federal LIHEAP hubliheapch.acf.hhs.gov — finds your state's program.
Salvation Army EnergyShareLocal emergency funds to keep utilities on. Walk in or call.
Need a hardship letter?Our utility shutoff letter takes 90 seconds.

Read this next

→ What to do if your power's about to be shut off

This is information, not advice. Utility rules and shutoff protections vary by state and provider. If you're medically dependent on power (oxygen, dialysis, refrigerated medication), tell the utility — most states have stronger protections in that case.