Help me with an overdue heating bill before winter

The heating account is 3 months behind. I received a disconnection notice that says service will be cut off on November unless I pay $650. I have never been late before losing my job in August. I called the provider and asked about a payment plan, but they need a down payment of $75 first, which I don't have. I live with a newborn, and going through winter without heating isn't safe. We can't cook, keep medicine cold or heat the 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 Aldo's name; a copy of the paid bill will be shared in the updates. Where the $650 goes: • Utility arrears: $360 • Reconnection and late fees: $95 • Down payment on a payment plan: $195 Ask me anything below before you decide. I'd rather you were sure.