person A: I accidentally overdrafted my bank account and now don't have enough money to pay the fee or my bills. I'm scared of what could happen
person B: I have been there_comma_ my friend. But_comma_ the good news is_comma_ if you aren't typically late for your bills_comma_ the utilities companies will often cut you a break.
person A: Are you sure? I guess I will need to make some phone calls.
person B: I am positive! I have been late before for the very same reason. Don't even need to make phone calls - they just give you a small late fee and that's it. I wouldn't go making it a habit_comma_ though.