Heating shut-off notice: help Noman pay $100

The heating account is 3 months behind. I received a disconnection notice that says service will be cut off on November unless I pay $100. I have never been late before September's medical emergency. I called the provider and asked about a payment plan, but they need a down payment of $10 first, which I don't have. I live with a newborn, and going through the rainy season 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. Every dollar goes to the account in Noman's name; a copy of the paid bill will be shared in the updates. Where the $100 goes: • Water arrears: $50 • Reconnection and late fees: $15 • Down payment on a payment plan: $35 Ask me anything below before you decide. I'd rather you were sure.