["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", "I have been there, my friend. But, the good news is, if you aren'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. 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, though.
I overdrafted my bank account.