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CAAs and other LIHEAP agencies foresee a coming tsunami of debt.  A few states have enlightened debt-management and forgiveness policies. If yours is not one of them, this presentation by John Howat, Senior Energy Analyst with the National Consumer Law Center (NCLC), provides model approaches and what to present to state policy makers to win changes. You will learn how utilities finance  unpaid bills, how to use NCLC’s new  templates for low-income utility program discount and arrearage management programs, and actions you can take now to help customers in crisis. For more, check out NCLC’s new COVID-19 resource collection.