Help paying utilities — electricity, gas, water, and phone
If you are facing a utility shutoff, call your utility company first — they are required to notify you before disconnection and most offer payment plans or hardship programs. Emergency utility assistance through local nonprofits and the federal LIHEAP program can also help cover past-due bills.
Fastest options first
Request a payment plan or hardship program. Many utilities are required by law to offer these and will delay shutoff if you are actively seeking assistance.
Many local nonprofits and community action agencies offer one-time emergency utility payments, sometimes within 1–3 days.
Federal program that helps with heating and cooling bills. Processing takes 2–4 weeks. Apply as early as possible before winter or summer peaks.
If you receive SNAP or SSI, you may qualify for utility assistance through your benefits program automatically.
What you may need to bring
- Most recent utility bill (account number and amount owed)
- Photo ID
- Proof of income (pay stubs, benefits letter)
- Proof of address
- Shutoff notice if you have received one
What to expect
Once approved, utility assistance is usually paid directly to your utility provider. Processing times vary — emergency funds can be 1–3 days, LIHEAP takes 2–4 weeks. If you have a shutoff notice, tell the assisting organization immediately so they can prioritize your case. Most programs will also ask you to set up a payment plan for future bills.
Find local resources near you
Enter your ZIP code on the search page to see verified local options sorted by distance and availability.
Frequently asked questions
- What do I do if my electricity is about to be shut off?
- Call your utility company immediately and ask about payment plans, hardship programs, or a shutoff moratorium. Then search ClearHelp for emergency utility assistance near you. Many nonprofits can contact your utility provider directly on your behalf.
- What documents do I need for utility assistance?
- Most programs require a recent utility bill with your account number, photo ID, proof of income, and proof of address. If you have a shutoff notice, bring that too — it often expedites processing.
- What is LIHEAP and how do I apply?
- LIHEAP (Low Income Home Energy Assistance Program) is a federal program that helps low-income households pay heating and cooling bills. Apply through your local Community Action Agency or state energy assistance office. Processing takes 2–4 weeks.
- Can I get help with my phone bill?
- Yes. The Lifeline program offers discounts on phone and internet service for qualifying low-income households. The Affordable Connectivity Program (ACP) may also help with broadband costs. Search ClearHelp or call 211 for local phone assistance options.
- Will utility companies really work with me on payment plans?
- Yes — in most states, utilities are required to offer payment plans to customers experiencing hardship. Ask specifically for a "budget billing" or "deferred payment arrangement." Having documentation of your hardship can strengthen your request.
Data sources: 211 networks, nonprofit registries, government databases, and community-verified listings. Resources are reviewed for accuracy. Learn about our data.