To manage high winter gas bills or high summer electric bills, ask your utility about budget billing payment plans.  This allows you to average estimated annual use into even monthly payments. Every six months, your payment amount is adjusted to reflect your actual use. At the end of a budget year, your bill is adjusted to correct over-billing or under-billing. You may use installment plans to pay what you owe your utility.  They can be used for both current bills and overdue bills.  A down payment and installment payments will be negotiated between you and your utility depending on your situation.  If the agreed installment payments are not paid, the utility may disconnect your service. If the disconnection will aggravate a medical or protective services emergency, the utility will delay service disconnection for up to 21 days.  The utility may require documentation from a professional involved with the medical emergency or crisis.