Heating shut-off notice: help Khalid pay $550

The heating account is 3 months behind. I received a disconnection notice that says service will be cut off on November unless I pay $550. I have never been late before a reduction in hours. I called the provider and asked about a payment plan, but they need a down payment of $185 first, which I don't have. I live with three children under ten, and going through the rainy season without heating isn't safe. The children would have no light to study by. I'm working on getting back on my feet, and will pay forward whatever help I can once I'm steady. The money will go directly to the utility provider, and I'll post the paid statement here. Where the $550 goes: • Heating arrears: $230 • Reconnection and late fees: $170 • Down payment on a payment plan: $150 Ask me anything below before you decide. I'd rather you were sure.