i accidentally overdrafted my bank account and now do n't have enough money to pay the fee or my bills . i 'm scared of what could happen i have been there , my friend . but , the good news is , if you are n't typically late for your bills , the utilities companies will often cut you a break . are you sure ? i guess i will need to make some phone calls . i am positive ! i have been late before for the very same reason . do n't even need to make phone calls - they just give you a small late fee and that 's it . i would n't go making it a habit , though .
Lack of sufficient funds to cover expenses and fees.