Utility Bills

Paying utility bills on time

For the majority of Canadians, utility bills form part of a raft of monthly payments that have to be covered to keep creditors at bay.

When you have rent or a mortgage to pay, you need to put food on the table and gas in the car, it can be difficult to keep up with payments and to ensure you pay bills on time.

The average Canadian household spends around 10% of its income on utilities.

While missing a single payment or paying a bill late once might not affect your credit rating or impact your relationship with your provider, if you default several times, or you don’t have the funds to cover outstanding debts, you could end up in a difficult financial situation.

If you’re struggling to pay utility bills, this is often a sign that money is tight and that there’s a risk of additional financial problems.

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Unpaid utility bills

One of the main concerns for people who are unable to pay their bills is the risk of getting into more debt trying to pay off existing bills and penalties.

If you decide to take out a payday loan, for example, or you’re spending money on credit cards to free up income to cover household bills, there is a real threat of losing control of debts.

Short-term loans and credit cards usually have very high interest rates, and this can make it extremely challenging to get back into the black

What to do if you can’t pay your utility bill

Studies suggest that a quarter of Canadians are struggling to pay their bills.

If you can’t pay your utility bill on time, the first step is to contact your provider.

It may be possible to delay the payment date, to reduce the payment on a temporary basis or to set up a payment plan, which comprises regular installments that are more affordable.

If you find yourself in a situation where you have missed multiple payments, and you’re falling behind, it’s likely that utility companies will start to contact you to demand the money they are owed.

This can be daunting, and it’s understandable to feel anxious if you don’t have the funds to cover your debts.

If this scenario sounds familiar to you, there is help available.

If you have debts that you can’t afford to pay at the moment, our experienced advisors are here to offer guidance and support.

There are various measures that we can employ to help you organise your finances, reduce and repay debts and prevent similar issues occurring down the line.

From credit counselling, budgeting advice and repayment plans to debt consolidation and filing a consumer proposal, we can find a solution for you. 


Many people are finding it difficult to make ends meet.

If you’re behind with your bills, or your utility providers are chasing you for outstanding payments, there is help available.

Call us today to find out more. 

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