If you file either Chapter 7 or Chapter 13 bankruptcy and list the utility company as a creditor, then the bankruptcy court will send the utility company an official notice informing them that you are under bankruptcy protection.
If the utility company has already shut off your utilities, this notice will force them to turn the utilities back on. If the utility company is threatening to turn off your utilities, this notice will prevent them from doing so.
The past-due utility bill will likely be discharged in your bankruptcy, which means you will not have to pay the past-due amount.
After filing bankruptcy, the utility company will start a fresh new account for your post-bankruptcy utility services. The utility company is permitted to ask you to put down a deposit for this new account, but in our experience, they rarely do.
If your utilities are shut off, we can file an emergency bankruptcy to get them turned back on that day. We then can work out a payment plan for our fee after the bankruptcy is filed and your utilities are turned back on.
If your utilities have been shut off, call or email us today and we can help get them turned back on.