How can I help someone with paying an overdue utility bill or other built up debt?

Bills can be easy to get behind on - if someone in your life is struggling with paying bills to keep the heat or lights on, take a moment to prepare yourself with the information below so you can show up as their friend and support partner.

Disclaimer: We strive to keep the information on this page accurate and up to date. However, programs and requirements can change, and we may not always be aware of those changes immediately. If you notice any outdated or incorrect information, or if you have suggestions for additional resources we should include, please reach out to your community's Resources and Opportunities (R&O) manager to make them aware of the changes needed.

Ask Coaching Questions

Seek clarity about problem:

1. Have you received a notice in the mail? From whom?

3. What has been stated as a consequence of not paying?

4. What deadline has been given? By whom? 

5. What’s the minimum you can pay by your deadline to avoid the consequence?

6. Have you talked to the company about your situation?

7. Have you tried to find any organizations that could help?

Get to the root:

1. What got you behind in payments? 

2. Has there been a change in your income or expenses?

3. Are you likely to be in the same position or a different position next month? 

Ask about options:

1. Who have you asked for help? 

2. What have you tried so far?

3. Have you experienced this before? If so, how did you handle it?

4. Do you know anyone who has experienced this before? If so, how did you handle it?

5. Do you have any friends or family who could lend you money?

6. How much could you spend on utilities this month?

Take Steps to Advocate

1. Call the company to get on a payment plan OR go online to the BGE online account to request an extension on paying the bill

Connect to Resources

Get Advice/Information

Maryland Office of Home Energy Programs

Address the Immediate Need

1. Call your Local Home Energy Office and ask about the relevant program below (more info on programs in English here and Spanish here)
   • Support with Heating Bill: Maryland Energy Assistance Program
   • Support with Electric Bill: Electric Universal Service Program

2. If you have already submitted an application with the OHEP for one of the above programs then you can apply for the Maryland Fuel Fund using their online portal.

3. Each local Department of Social Services may have additional emergency assistance programs for utility support for families with children under 21 IF the family is facing a utility shutoff as a result of an emergency that can be documented.

Attempt to Prevent Future Crises

• For homeowners who want to cut down on their energy bills: Weatherization and Energy Efficiency Services OR EmPOWER Maryland Low Income Energy Efficiency Program

2. Get screened for public benefits at CASH Campaign MD to see if you can increase your income or get other expenses covered by completing this intake form