Utility arrearage programs help Massachusetts households pay overdue utility bills. Utility arrearage programs help households prevent utility shutoffs or restore utility service that has already been shut off. The programs offer payment plans, debt forgiveness, or a combination of the two.

Arrearage Management Programs (AMPs)

Arrearage Management Programs are utility company programs that forgive overdue bills and help low-income customers manage their utility expenses. Every investor-owned utility in Massachusetts is required by law to offer an arrearage management program.

Utility Payment Plans

Utility Payment Plans give households several months to pay off overdue utility bills. Utility companies are not allowed to shut off service to customers with approved payment plans.

Residential Assistance for Families in Transition (RAFT)

RAFT is a state-funded homelessness prevention program that helps Massachusetts families pay overdue housing and energy bills. With the RAFT program, the utility company forgives part of your debt, RAFT pays part of your debt, and your family pays part through a payment plan.