Your utility bill: the questions worth asking your provider

Utility companies generally have more options than the bill itself shows. The best time to ask about them is before the due date, not after a disconnection notice arrives.

Questions to ask when you call

• Do you offer a payment arrangement? Many providers will split a past-due balance over several months.
• Is there a budget or levelized billing plan? These even out seasonal swings so winter or summer bills are less of a shock.
• Can my due date move? Some providers will shift it closer to when you are paid.
• What assistance programs do you know about locally? Utilities often keep a list of energy assistance and community programs in their area.

Write it down

Note the date, the name of the person you spoke with, and exactly what was agreed. Ask for the arrangement in writing or by email if they can send it.

Where assistance information lives

Energy assistance is usually run through your state or a local community action agency. Dialing 2-1-1 (or visiting 211.org) reaches a local referral line in most of the U.S. that can point you to programs in your area.

Know the rules in your state

Shutoff rules, such as limits during extreme weather, differ from state to state. Your state's utility regulator publishes them and takes complaints if you think a provider did not follow them.

Maybe I Have does not pay bills, determine eligibility or distribute benefits. This guide is general information.