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Getting Utilities Reinstated as Part of Bankruptcy

Keeping the Lights and the Heat On

It is no surprise that as people fall behind on their bills, utilities tend to be among the ones affected. It has been reported that electric and natural gas shutoffs are up by 15 percent in many states. While utilities do have the right to shut off your services if you fail to pay them, they are required by law to reinstate those services or to stop pending shutoff orders if you file for bankruptcy.

Can Bankruptcy Stop a Utility Shutoff?

Yes, it can. Utilities cannot shut off your services if you file for bankruptcy. However, they can require that you provide "adequate assurance" that you will pay them in the future. Typically this means a security deposit, usually for the next few months of the utility bill. However, you have 20 days from the date of filing to pay it, and many utilities will accept the security deposit in three installment payments.

Once your utilities are turned on, or are no longer in danger of being turned off, you do have to keep current with the new charges. Payments that are in arrears are dischargeable through bankruptcy. Our New Jersey bankruptcy attorneys can help you with getting your utilities reinstated as part of bankruptcy as well as setting up this security deposit installment payment plan.

Can a Utility Company Shut Off My Utilities if I File for Bankruptcy?

No, it cannot. As stated above, it can require you to put down a security deposit toward future service but it cannot refuse you service. Bankruptcy affects the utilities directly, as your prior debt to them will be eliminated as part of your discharge. However, they are not allowed to penalize you for this.

Contact experienced personal bankruptcy lawyers with offices in Paterson, Jersey City and East Orange today to find the solutions to your financial problems. Call for a free consultation at 973-677-9000 or 888-827-5493.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.


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  • NACBA | National Association of Consumer Bankruptcy Attorneys
  • NACA | National Association of Consumer Advocates
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Goldman & Beslow LLC

Goldman & Beslow, LLC is a Federal Debt Relief Agency by an Act of Congress. We have proudly assisted consumers seeking relief under the U.S. Bankruptcy Code for over 38 years.

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7 Glenwood Avenue,
Suite 311B
East Orange, NJ 07017
East Orange Law Office

Phone: 973-414-8069
Phone: 973-419-7631
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
Fax: 973-675-5886
E-mail the firm

NEWARK OFFICE 168 Bloomfield Avenue
Newark, NJ 07104
Newark Law Office

Phone: 973-483-1333
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
E-mail the firm

PATERSON OFFICE 100 Hamilton Plaza,
Suite 405
Paterson, NJ 07510
Paterson Law Office

Phone: 973-247-9445
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
E-mail the firm

JERSEY CITY OFFICE 26 Journal Square,
Suite 603
Jersey City, NJ 07306
Jersey City Law Office

Phone: 201-659-6226
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
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