Heating shut-off notice: help Krishna pay $650

The heating account is 3 months behind. I received a disconnection notice that says service will be cut off on September unless I pay $650. 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 $150 first, which I don't have. I live with a newborn, and going through winter without heating isn't safe. We would also lose the ability to run the medical equipment at home. 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 $650 goes: • Heating arrears: $300 • Reconnection and late fees: $150 • Down payment on a payment plan: $200 Ask me anything below before you decide. I'd rather you were sure. - Krishna