WHOM TO CALL
If you're having trouble paying your winter heating bills, call your utility company and set up a payment plan. Paying a small amount is better than having your service disconnected.
CenterPoint Energy: 612-372-4680 or 1-800-245-2377.
Xcel Energy: 1-800-895-4999 for residential customers or 1-800-481-4700 for businesses.
Minnesota Energy Resources: 1-800-889-9508.
COUNSELING
Free credit counseling services can help you prioritize your bills and craft a reasonable budget plan.
For tips on how to pick a reputable organization, call the Minnesota Department of Commerce at 651-296-4026 or go to www.commerce.state.mn.us and type "credit counseling" in the search box.