Arrearage Management
Payment (AMP) Plan 

 

For many, meeting everyday needs isn’t easy. If you have outstanding bills that are past due and are a CARE or FERA customer, you may be eligible for debt forgiveness through our Arrearage Management Payment (AMP) Plan. This plan offers eligible customers help with reducing their past due account balance.

AMP

How It Works

AMP is a 12-month payment plan that forgives 1/12 of a participant's debt after each on-time payment of the current month’s bill. After twelve on-time payments of current month's bills, the participant's debt will be fully forgiven up to a maximum of $8,000. Enrolled participants are protected from disconnection while participating.

Plan Eligibility

To be eligible for AMP you must meet all of the following requirements:
  • Be a current SDG&E residential customer. NEM and business customers are not eligible. 
  • Participate in our CARE or FERA program. (hyperlink)
  • Have been a customer for a minimum of six months.
  • Had at least one on-time payment in the last two years. 
  • Have eligible debt:
    • For electric customers: a past due balance of $500+ with some portion 90+ days old.
       For gas-only customers: a past due balance of $250+ with some portion 90+ days old.

Requirements and Conditions

Review the AMP Terms and Conditions. 

General

  • Once enrolled, you will need to pay your current monthly charges in full on or before the due date..  
  • When you successfully make on-time payments over the life of your plan, your full AMP eligible amount, up to $8000, will be forgiven.
  • Eligible customers currently on a different payment arrangement plan to pay off their past due balances may switch to the AMP plan as long as AMP eligibility requirements are met. 

To help ensure your bill is paid on time and your plan stays active,   We also have billing options such as Level Pay Program and Auto Pay.  Visit My Account to enroll.

Missed Payments

Failure to pay the full current charges by the bill due date or making partial payments is considered a missed payment. This also applies if your bank returns a payment.

If you miss a payment, you must pay both the previous balance and current charges by the current bill's due date. If you miss two payments in a row (e.g., March and April) or three payments (e.g., March, May & July), your plan will be canceled.

If your AMP plan is canceled:

  • Your outstanding balance will become due immediately.
  • You may be subject to disconnection.
  • You will be ineligible for further debt forgiveness .
  • Re-enrollment will not be an option for 12 months.

Re-Enrollment in the AMP Plan

  • You may re-enroll in AMP after completing a 12-month waiting period which begins on the month you ended your previous participation in AMP. 
  • You must meet all eligibility criteria when you re-enroll. 

How to Apply

Please review and confirm that you are eligible for the program before calling.

Call our Customer Care Center at 1-800-411-7343 and one of our Energy Service Specialists will help eligible customers enroll in the program. 

Frequently Asked Questions

AMP or Arrearage Management Payment plan is a 12-month plan that forgives 1/12 of a participant's debt after each full, on-time payment of the existing month’s bill. After twelve payments of your current month's bills, the debt will be fully forgiven up to $8,000.

Your monthly bill has a summary section the shows your AMP details and progress.

Eligibility Rules

  • Be a current SDG&E residential customer. NEM and business customers are not eligible. 
  • Participate in our CARE or FERA program.
  • Have been a customer for a minimum of six months.
  • Had at least one on-time payment in the last two years. 
  • Have eligible debt:
    • For electric customers: a past due balance of $500+ with some portion 90+ days old.
       For gas-only customers: a past due balance of $250+ with some portion 90+ days old.

Yes, you are eligible. If any portion of your debt has been past due 90 days or more, and you meet the other eligibility criteria, you will qualify for the program. 

No, the plan requires that you have made at least one on-time payment in the last 24 months to be eligible.

The maximum amount eligible for forgiveness is $8,000. 

No. Only residential CARE/FERA customers are eligible. If your business is having trouble paying its bills, we may be able to offer flexible payment arrangements. Call our Business Care Center at 1-800-336-7343 for payment arrangements, energy-saving tips and pricing plan options.

No. NEM customers are not eligible to enroll in AMP. 

Yes. CCA customers are eligible to participate in AMP.

Yes, you can be on LPP and AMP at the same time.

Once you complete AMP, you may reenroll after a 12-month waiting period provided eligibility requirements are met. 

Yes. If your plan was canceled, you are eligible to enroll again after a 12-month waiting period provided eligibility requirements are met. 

Plan Rules / Guidelines

Yes, with an active AMP plan, if you pay your current charges on time, you are protected from disconnection.

After 12 in full and on-time monthly payments of current month's charges, your AMP debt will be forgiven up to $8,000.

If you do not pay the full current charges by the bill due date, make a partial payment or your bank returns a payment, it is considered a missed payment.

If you miss a payment, you must pay both the previous balance and current charges by the current bill's due date. If you miss two payments in a row (e.g., March and April) or three payments (e.g., March, May & July), your plan will be canceled. If your AMP plan is canceled:

  • Your outstanding balance will become due immediately.
  • You may be subject to disconnection.
  • You will be ineligible for further debt forgiveness.
  • Re-enrollment will not be an option for 12 months.

Any balance over $8,000 will be put on hold during your AMP participation. Once your AMP plan ends, the remaining balance will be due, but we offer flexible payment arrangements to help you avoid disconnection.

Yes. Any new bills issued on or after the AMP enrollment date or date of reinstatement in the plan are ineligible and are your responsibility to pay. Any charges for California Hub for Energy Efficiency Financing (CHEEF) will not be eligible for AMP.

Customers currently on a payment arrangement may switch to AMP as long as the AMP eligibility requirements are met. 

There is no impact to the amounts already forgiven and this amount has been removed from your account balance. However, if your AMP plan was canceled:

  • Your remaining balance will become due immediately.
  • You may be subject to disconnection.
  • You will be ineligible for further debt forgiveness.
  • Re-enrollment will not be an option for 12 months.

If you transfer your service while enrolled in AMP, your plan may be transferred to the new account.

If you stop service, move, and then restart service with SDG&E territory, your AMP plan will not transfer, and you will need to contact the Customer Care Center. If you do not contact the Customer Care Center to reinstate your AMP plan or move out of SDG&E territory, the plan will be canceled, and the balance will become due immediately.  

Removal from CARE or FERA does not automatically unenroll you from AMP. You can continue receiving AMP benefits as long as you make full, on-time payments.