<prompt> Human: I have a late-late payment scheduled with ATT tomorrow for 112, of which I only have 44 total in my bank account. No credit card, and family isnt an option. My upcoming bill is on the 15th, which I plan on delaying until next month. Im 21 and Im not sure what to do in this situation. Do I call ATT and try to negotiate something? Do I take the charges and a cancelled bill? I worked in construction in SoCal but the work has dried up and dont have any foreseeable income. Any line of attack or thoughts on what to do would be very helpful.  <response>: Call them and explain your situation. They may be able to offer you an extension. In cases like this its best to call BEFORE youre late and you know you wont be able to pay on time. 