How To Get Help With Paying PSE&G Bills In NJ
Many recent state legislatures have passed laws to prevent utility companies from shutting off power, issuing late fees, or placing liens on utility accounts in many states, including New Jersey. For even greater savings while they are on the defensive, it's a good time to find the best New Jersey PSE&G bill assistance (or for any bill, for that matter), and DoNotPay has assembled a guide to help New Jersey inhabitants do just that.
Understanding Your PSE&G Bill and Check for Errors
Like many electric companies, PSE&G offers an Equal Payment Plan so that consumers won't be surprised by wildly shifting prices throughout the year. This doesn't mean that you should assume it is cheaper, though, and with or without the Equal Payment Plan, it's good to go through your itemized PSE&G bill to be sure you know what goes into it – and if there are any errors on it.
People don't always know exactly what they're paying for. Sometimes, they are erroneously charged for services they don't use. PSE&G themselves have created in-depth guides to understand your bill – both residential and commercial service. Simply put, all you have to do is compare your bill with their examples, and ensure that you aren't being hit with services that don't apply. You could even check their figures against the actual rates measured on your meter. Be sure, of course, to check especially for duplicate charges.
Organizations that Can Help With PSE&G Bills
The State of New Jersey and PSE&G themselves offer a wide range of help when you are unable to pay your PSE&G bill in full.
|State of New Jersey Lifeline||$225/yr. for seniors and disabled adults||(877) 222-3737|
|HEA & LIHEAP*||Usually about $300 for heating & $200 for medically necessary cooling / year||(800) 510-3102|
|Universal Service Fund*||Potentially $5–180 per month for low-to-moderate income households||(866) 240-1347
or send email
|Payment Assistance Gas & Electric||Funds for past due PSE&G bills||(732) 982-8710
or use contact form
|State of New Jersey SHARES, Inc.||Funds for past due PSE&G bills for moderate income households not eligible for government benefits||(866) 657-4273
use contact form
or send email
|PSE&G Rebates||Rebates on energy efficient equipment||(844) 300-7734
or send email
|PSE&G Energy Efficiency Program||More rebates and discounts||(855) 846-2895
or send email
Note that if these two programs are essentially using the same funds, and if you apply for one you apply for both. You can also seek assistance through local branches of national church organizations dedicated to giving cash assistance to those in need or suffering from unforeseen medical or financial burdens.
This is legally advantageous compared to contracting with government agencies, who often use acceptance of benefits and privileges as silent justification for treating you like you have a very limited range of rights. See if your local Catholic Charities branch has funds that can help or contact 2-1-1 for help with utility expenses.
Ask for an Extension Date for Your PSE&G Bill
PSE&G has a Deferred Payment Agreement plan you can take advantage of to help you make large past due amounts in easier smaller payments. If you would like even more assistance, DoNotPay is here to walk you through it (or scroll to the bottom to see how we can simply handle this for you completely).
When you ask for an extension, it can be done over the phone, face to face, over email, or in a letter. If you choose the latter two, we've drafted a letter template that should get you started on the right, amicable foot:
I'm sending you this letter to request an extension on my PSE&G bill. With the public health crises and the economic toll being sustained, I cannot pay the bill of $333 on the stated due date. Therefore, I humbly request an extension on the due date from 01/02/20?? to 03/04/20?? [choose a reasonable amount of time].
Our public health danger is a significant obstacle to my financial well-being, because I have experienced a large reduction in my hourly work and my income over the past several months, since my current employment requires me to be physically present.This issue is very sad for myself and others, facing undue financial hardship by no fault of our own, and which could cause more late payments. I'm trying to avoid it, though, by reaching out to remain in good standing with PSE&G.
I hope you will agree to an extension, waiver of late fees, and perhaps even a significant reduction in the amount due.I'm taking many actionable steps to overcome these dangers impacting our economy and our health by continually seeking further financial assistance while I am being stopped from attending my current job. If PSE&G extended the due date, waived late fees, and offered any other acts of good faith that could be justified, it would be indispensable to fully remedying these matters. I would appreciate it very much as a proud, long-time New Jersey inhabitant.Thank you for your consideration.
Simply sign and send it, then wait and follow up after about 5–10 days.
Ask for a Waiver on Your PSE&G Bill
As mentioned, there has been a spate of legal obstacles preventing utility providers from getting carried away with late fees and selling debt to unscrupulous collection agencies. If PSE&G – or any utility provider bound by this commercial regulation – begins to reintroduce late fees as these regulations subside, it would be good to have someone on your side who can request these waivers for you.
For a truly robust waiver request that is almost impossible to say "no" to, you might spend some time learning the local New Jersey laws, statutes, or regulations (they are not all the same thing) and fitting them into your efforts as relevant. You could also enlist the help of your own private (trustworthy) attorney or a financial advisor for the ultimate in negotiation prowess.
Above all, make sure you hint at the problems that could come from stiff-arming your request, but do so in a friendly enough confident tone that says you've done this kind of thing before – even all the time! Trust us, it gets easier.
How to Negotiate PSE&G Bill on Your Own
With the resources listed in the table above, it should be easy to get the bill itself much lower than it was. If you'd still like to go the distance, you'll have to use a combination of every method explained. It can be a lot to do, but remember these skills will prove useful with any company.
Many people have an easier time negotiating bills if they have a low-income household status. They also increase their chances of success by getting advice from a consumer rights adviser.
Whatever resources you have at your disposal, you'll want to be clear about what you're asking for: is it a complete waiver of the bill, a price reduction, fee waiver, or an extension on the payment? It could be more or less advantageous to ask for certain combinations of these in a particular order.
For example, if you are seeking a price reduction but don't have a lot of time, you may be better off getting a due date extension in the friendliest possible way. Then, you have some breathing room to investigate this thoroughly and discover the weak points in the bill for the time you challenge the amount due. If you did this in the reverse, they could be less likely to give you an extension because you started out with a bit more of an aggressive tactic.
With any of the tips below, consider the proper "order of operations" that would be most effective for your specific goals and your unique situation:
- Ask for an extension date for your PSE&G bill
- Ask for a waiver on late fees for PSE&G bill
- Ask for a discount on PSE&G charges
- Ask for a PSE&G payment plan
- Use the resources listed in the table above
- Talk to a consumer rights advisor
- Refer the PSE&G representative to relevant regulations as it would help your case
- Apply for a loan to pay off the PSE&G bill
- Pay the PSE&G bill with your credit card – preferably with a 0% APR and/or a debt-reduction management method in place (e.g., transferring the balance to a new card with 0% for a long time)
Again, it will depend on your particular bill and the strength of your arguments. Try to actually not even let the idea of "arguing" enter your mind; but don't be afraid to let a little assertiveness through at the right time, either. Ultimately, aim to simply seek a mutually beneficial outcome, and the account manager you speak with will notice and mirror it. Let them save face, and they probably will. Removing blaming language. Even if something was their fault, try to say it in the passive tense (e.g., "There was an oversight made," rather than "You made a mistake!").
How to Lower Your PSE&G Bill With DoNotPay
We definitely dream of the day when everyone has the negotiation and self-assertiveness tactics necessary to keep exploitative financial-legal treatment at bay. Meanwhile, we've created a streamlined method to get your state of New Jersey PSE&G bill issues done and gone, because we know it takes so much time to do this right. That's why we do it en masse, and capitalize on our bulk negotiation power on your behalf.
DoNotPay can help lower your bills:
- Go to the Negotiate Bills product on DoNotPay.
- Choose whether you want us to call and negotiate your bill for you or send a bill negotiation letter on your behalf.
- Provide the details that will help us negotiate your bill including the company name and how much your current plan costs.
- Enter your contact information, including email, address, and phone number.
Leave all the work to DoNotPay! We'll fight for a lower bill for you.
Why Use DoNotPay to Lower Your PSE&G Bill
We love helping people keep their mundane administrative life to a minimum so that they can enjoy the real life that they've been given! With DoNotPay, handle your New Jersey PSE&G bill in the most streamlined way. Our methods are renowned for being:
- Fast—Input your information into the world's first robot lawyer, and watch it go!
- Easy—Don't force yourself to talk to countless people and explain the same thing over and over again... because we will!
- Successful—Increase the chances of success by relying on our experience and intuition
DoNotPay Works Across Multiple Companies at the Press of a Button
It's not just electric bills that DoNotPay specializes in. We have a knack for quickly finding the best resources and grants for paying bills across the board. For the same ultra-low monthly rate, significantly reduce any of:
What Else Can DoNotPay Do?
In fact, we go beyond simple billing and purely financial matters altogether. See if any of the following further applies to your scenario:
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Make the endless unpaid work of keeping up with bureaucratic frenzies a thing of the past, and sign up with DoNotPay today!