Behind on bills?
Free help in your state.

No sign-up. No cost. Plain-English steps that work.

1. Call before the due dateAsk for a payment plan or a few extra days. Many companies offer one, but you usually have to ask.
2. Got a shutoff notice? Act right awayYou may have protections, especially in winter or if someone in your home has a serious medical condition. Scan the code for your state's rules.
3. Get help with heating and power billsCall 1-866-674-6327 to find your energy assistance office.
4. Need help with rent, utilities or food?Dial 211 to reach local help.
5. Write the letter in minutesFree phone app at billhelpnow.com/app: payment-plan, hardship, rent, medical bill and debt collector letters. Nothing you type is saved by us.