If you're having financial problems that make it difficult for you to pay your O&R bill, we'll work with you to come up with a payment agreement.

In making the agreement, we'll consider your financial circumstances and any income limitations that you may have.

As part of a payment agreement, we discuss a down payment and work out a payment schedule you can manage. The length of the agreement and the amount of each monthly payment will be decided between us.

To further assist you, we'll adjust this agreement later if your financial situation changes. If you qualify, installment payments may be as low as $10 per month on the past due amount, with no down payment, plus, of course, keeping current on future bills.

Terms of Agreement

Payment agreements can be entered into no more than once a year.

If you don't pay your bill, and if you don't contact us to discuss payment terms, we'll automatically send you a standard payment agreement. This calls for a down payment of 15% of the amount you owe or one-half of your average monthly bill, whichever is greater, plus the current bill.

Under a standard agreement, monthly installment payments are either the cost of one-half of one month's average use, or one-tenth of the balance (whichever is greater).

If you cannot manage the terms of the standard agreement, please contact us. We'll work with you until we arrive at a mutually agreeable solution.

If we still cannot come to terms with each other, you may contact the PSC's toll-free HELPLINE at 1-800-342-3377 for additional assistance.

Enroll Online

You can enter into a standard payment agreement online by logging on to My Account with your 10-digit account number. Click on "Payment Agreement" to see our offer and to enroll.

Collection Arrangements

Do you need just a little more time to pay your bill? Log on to My Account with your 10-digit account number and click on "Collection Arrangement" to get an extension on your payment due date. We can only grant a collection arrangement if the amount of the bill was not previously under a payment agreement, and there has not been any more than two defaulted collection arrangements in a six-month period.