I am current on my gas, electric, water, trash and phone
payments. I want to file for Chapter 7
bankruptcy. Can the utility companies disconnect my service because of my
While some creditors may refuse to extend credit to you
because of your bankruptcy filing, utility companies cannot terminate your
service just because of your bankruptcy filing.
The bankruptcy code specifically prohibits utility companies
from discriminating against customers solely based on a bankruptcy filing. Nor
can they refuse service because a customer files for bankruptcy.
If, however, you are behind on your
utility payments, the utility company does have the right to terminate your
service if, within 20 days of your bankruptcy filing, you don’t provide the
company with "adequate assurance" that you will make future payments. To learn more about
adequate assurance, see Using
Chapter 7 to Prevent a Utility Shut-Off.