A Shutoff Notice Is a Deadline. Build the Protection File the Same Week
Build a dated shutoff-defense file: the notice, the state rule, the receipts, and the assistance application. It runs locally in this browser and sends nothing.
LIMIT FIRST: This is a documentation and planning aid, not legal, energy or benefits advice. It cannot stop a shutoff by itself, compel a commission decision, or certify eligibility.
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Cost and free path
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Rule status (mixed route): mixed: state commission shutoff rules and seasonal moratoriums vary; LIHEAP is a federal block grant administered by states through HHS ACF, with program windows and amounts set annually. There is no national moratorium in force. Reviewed 2026-10-03; state intake windows for the 2026-27 heating season vary.
Automated decision this documents: automated billing and collections that schedule a shutoff from an arrearage balance
Free path, in order (no cost):
State LIHEAP office (LIHEAP is administered by the states through ACF)
211 — emergency utility assistance and payment-plan help (211.org)
Your state commission's consumer division (shutoff complaints)
A medical certification route where the state provides one — ask the commission or the utility in writing
What this cannot do: It cannot stop a shutoff by itself, compel a commission decision, or certify eligibility.
Sources checked 2026-10-03 · source bank reviewed against the live pages listed in metadata.
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This tool reduces uncertainty; it does not replace a bank's fraud department, a mental-health professional, legal advice, a school privacy contact, or qualified technical help, and it cannot prove that a call, message, account, decision, or AI system is safe.
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