<prompt> Human: I just graduated college, and have lived in a off-campus loft for the last three years. The utilies have been in my moms name, and average around 150. She owns the loft, it is not rented. I created my own utilies account to begin paying for utilities myself, and am told I must pay a 490 deposit. When asked why it was so high my neighbors was 50 I was told it wasnt probably because there was a late payment while on her account. Is there anything I can do to refute the massive deposit necessary?  <response>: People make a practice of putting utilities into a different persons name because the main person has missed payments, or still owes.So utilities put this safeguard in place. Its a reasonable protection for them. 