An electric shutoff notice has a real deadline. Do not wait for the power to go off before you ask for help. The utility may have a payment plan, hardship fund, or protection that can buy time while you apply for other help.
Gas service may control heat, hot water, cooking, or all three. A shutoff can become dangerous in cold weather. Start with the gas company, then apply for local heating and crisis help before the shutoff date.
Water help is often harder to find because local cities, water districts, and private water companies use different rules. If you have a shutoff notice, call the water provider first and ask exactly what will keep service on.