Don't let Ruby's family go through summer without electricity and water

The electricity and water account is 2 months behind. I received a disconnection notice that says service will be cut off on January unless I pay $750. I have never been late before October's medical emergency. I called the provider and asked about a payment plan, but they need a down payment of $165 first, which I don't have. I live with three children under ten, and going through summer without electricity and water isn't safe. Without it we can't refrigerate insulin and food, or keep the house at a safe temperature. I'm working on getting back on my feet, and will pay forward whatever help I can once I'm steady. Every dollar goes to the account in Ruby's name; a copy of the paid bill will be shared in the updates. Where the $750 goes: • Water arrears: $480 • Reconnection and late fees: $130 • Down payment on a payment plan: $140 Thank you so much. - Ruby