Independent U.S. water utility directory · 2026 edition
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Delinquency and service protection

Understand the shut-off process before it reaches your door

The safest time to ask about a past-due balance, payment arrangement, or hardship protection is before the final notice. This page translates the provider’s published rules into a practical checklist.

Notice and timing

How delinquency is handled

Grace period after the due date

The due date is 21 days after the bill date. The first business day after the due date is past due and a 10% late fee accrues on the unpaid balance. Accounts remaining unpaid 15 days after the due date are subject to termination and applicable termination fees, creating an approximate 36-day progression from bill date when calendar business days are considered.

Late-fee calculation

Payments not received by the due date incur a 10% late fee on the unpaid balance. The current fee schedule lists a $25 service-termination fee, $15 second-trip fee, $30 returned-payment fee per item, and a $10 payment-extension fee. A $1.25 online/phone convenience fee is separate from delinquency penalties.

Disconnection timeline

Sherman generates the bill on the last business day; the due date is 21 days later; the account becomes past due on the next business day with a 10% late fee; and if still unpaid 15 days after the due date, service is subject to termination and a $25 termination fee. Customers who pay online or through the IVR after termination must contact 903-892-7237 to arrange restoration, and someone must be home for the service order.

Statutory warning protocol

What notice should you expect?

Sherman’s billing information gives the due date, first-business-day late status, 10% fee, and 15-days-after-due termination threshold. Notify Me can send email or text reminders when the bill is due, and scheduled payments beyond the due date do not prevent late fees or termination. The reviewed pages do not publish a separate delinquency robocall, colored notice, door hanger, or SMS warning sequence.

If a notice seems wrong

Document the account balance, payment confirmation, notice date, and any household medical or accessibility concern. Then call the provider using the contact information on its official bill or profile before the stated deadline.

Restoring service

Reconnection costs and timing

After a non-payment disconnect, the past-due balance and $25 termination fee must be paid. Service orders are scheduled for morning restoration between 8:00 a.m. and noon or afternoon restoration between 1:00 and 5:00 p.m.; a second trip costs $15. The fee schedule lists $25 for weekday after-hours service and $75 for weekday 9:00 p.m.–7:00 a.m. service or service on weekends and holidays. For after-hours restoration, call 903-892-7258.

Need a payment arrangement?

Ask before the shut-off date

Tell the customer-service representative that you are responding to a delinquency notice and ask specifically about installment plans, hardship protection, charity referrals, and the amount required to stop the disconnection order.

Customer protection guide

What to do when a bill becomes urgent

A delinquency notice from City of Sherman Customer & Utility Services Department should be treated as a time-sensitive account document. Read the exact due date, amount required, notice method, and contact instructions on the notice, then compare them with the provider details in this guide.

If you have already paid, gather the confirmation number and posting date. If you cannot pay the full amount, call before the stated shut-off date and ask about arrangements, hardship protections, agency referrals, and the minimum amount needed to pause action.

Keep the conversation specific: ask what will stop the order, when the payment must post, whether a reconnection fee applies, and whether the utility requires a separate request for medical, accessibility, or household-protection status.

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