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Utilities Dispute Package-

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This document outlines steps for challenging and discharging utility 
bills using consumer law and administrative procedures. 
 
What Not to Do When Discharging Utility Bills 
Several common mistakes and misconceptions to avoid: 
• Do not use your Social Security number as a routing number to pay utility bills. This is a 
common false claim; the SSN is associated with an estate/trust but is used to track 
debt/assets, not to pay for things. It might temporarily work but will often get reversed. 
• Do not send an invalid coupon. You must properly endorse your coupon using 31 CFR 
328.5 and 31 CFR 328.6. Endorsing it properly is only part of the process. 
• Do not ignore follow-up notices from the utility company. You must respond to them 
and call them out on their attempts to collect on the debt after you've sent a coupon. 
• Do not try to force a discharge without an agreement or acceptance. Sending an 
instrument like a coupon is considered an offer, which requires an acceptance, refusal, 
or counteroffer under contract law. 
• Do not just stop paying your bills entirely. Until the contract is challenged, simply 
stopping payment can be argued as a breach of contract. 
• Do not attempt this process if you are not willing to go the distance (i.e., be ready to go 
to court and challenge them). 
• Do not rush the process. This process will not immediately discharge your debt in the 
first month. 
 
Step-by-Step Process to Lawfully Challenge and Discharge a Utility Bill 
The process involves building a contractual and legal case to challenge the obligation and avoid 
disconnection. 
Phase 1: Establish the Challenge and Tender Payment 
1. Send a Conditional Acceptance or Notice of Tender: This initiates the challenge and asks 
the utility company to provide specific proof.  “See examples Chris send to the group” 

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o Include a Tender for Discharge: This can be a remittance coupon (one of the 
simplest negotiable instruments), a private instrument stating "accepted for 
value," a promissory note, or a notarized letter of tender. 
o Endorse the Coupon Properly: If using a remittance coupon, ensure it is correctly 
endorsed according to 31 CFR 328.5 and 31 CFR 328.6. 
2. Request Validation and Proof (in the Conditional Acceptance): Ask for the following 
documentation: 
o A full itemized accounting. 
o Proof of contract with your wet ink signature. 
o Proof that they paid for the utilities (electricity, water, etc.) or advanced 
consideration. 
o The CUSIP or billing bond reference. 
3. Maintain Honor and Communication: 
o Include Pro-Tip Language: Add language like, "This is not a refusal to pay. I'm 
willing to settle any lawful obligation upon validation of claim and full accounting 
under GAP". This helps build a case that you are not refusing to pay, but seeking 
validation. 
o Keep Communication Open: Call and notify the utility company that you are 
investigating a bill discrepancy before they send a final disconnection notice. 
o Consider a Partial Payment: Make a partial or some level of payment to avoid a 
non-payment status and help prove you are not avoiding the debt, but seeking 
remedy. 
 
Phase 2: Follow-Up and Dispute Resolution 
4. Respond to Refusal with Notice of Dishonor: 
o If they refuse your tender, UCC 3-603 states that if a tender of payment is made 
and refused, there is a discharge. 
o If they reject your tender without a proper rebuttal, follow up by sending a 
Notice of Dishonor. Notify them of the UCCC. 

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5. Use the Affidavit Process (Long-Term Strategy): If they ignore your requests, you can 
use a series of notarized documents to create legal standing: 
o Send an Affidavit of Non-Response. 
o Send a Certificate of Dishonor. 
o Send a Notice of Estoppel and a Claim of Discharge. 
o This commercial affidavit process can take 3 to 4 months. An unrebutted affidavit 
stands in truth as commerce. 
6. File Formal Complaints to Avoid Disconnection: If they attempt to shut off your utilities, 
use regulatory agencies to create a paper trail and mediate the dispute. 
o File a complaint with the Public Utility Commission (PUC) (or similar state 
agency). Ask them to open a case or mediate before the service is shut off. 
o You can also file complaints with the FTC and CFPB (especially for debt collection 
threats). The FCC is for cell phone/telecom/internet disputes. 
o Use the Legal Angles to Buy Time: You can argue that you are in a financial 
hardship, which many states have protections for. You can also argue that 
denying access to essential services (water, power, heat) without due process 
creates a constitutional or tort-based liability. 
o Document Everything: Use this time to document their harm, breach of contract, 
or failure to validate. 
7. Consider a Temporary Restraining Order (TRO): You can file a TRO in local court and 
send a notice of harm and liability to break down how they have harmed you. 
 
 
 
 
 
 
 
 

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The State of New Jersey (Find your own State) 
 
The regulatory agency in New Jersey that handles utility complaints and 
oversight is the New Jersey Board of Public Utilities (NJBPU). 
 
You are encouraged to first contact your utility provider, but if a resolution cannot be reached or 
you are in a dispute, you can file a complaint with the NJBPU. 
- NJBPU's Division of Customer Assistance: 
- Utility Complaint Phone 
• Toll-Free Number for Utility Complaints: 1-800-624-0241 
o Note: This line is typically open during normal business hours (9 a.m. – 4 p.m.). 
Call this number immediately if the matter involves a gas leak or discontinuance 
of service. 
• Out of State Callers: 609-341-9188 
• Receptionist Desk (General): 609-777-3300 
 
- Written Complaints 
• Mailing Address: New Jersey Board of Public Utilities Division of Customer Assistance 44 
South Clinton Ave, 1st Floor PO Box 350 Trenton, NJ 08625-0350 
 
-  Online Complaint 
• You can file a complaint electronically on the NJBPU website. 
https://nj.gov/bpu/assistance/complaints/inquiry.html 
 
 
 

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- Email Address 
For general assistance and inquiries, including online complaints, the BPU can be reached via 
email: 
• General Inquiry/Online Complaint Email: 
o cmsstaff@bpu.nj.gov 
o Note: Another resource lists contactus@njcleanenergy.com, but 
cmsstaff@bpu.nj.gov is tied directly to the BPU's online case summary system. 
- Fax Number 
The fax number most commonly associated with the Division of Customer Assistance is: 
• Customer Assistance Fax: 609-777-3329 
• Receptionist Desk Fax (General): 609-777-3320 
 
 
***Important Notes from the NJBPU*** 
• You are generally advised to contact your utility provider first to attempt to resolve the 
issue before reaching out to the NJBPU's Division of Customer Assistance. 
• Online complaints are only processed during normal business hours (9 a.m. – 4 p.m.). 
• If the matter involves an emergency (e.g., gas leak) or a discontinuance of service 
(disconnection), you should call the toll-free number immediately: 1-800-624-0241. 
 

Cover Letter for Billing Dispute Packet 
To Whom It May Concern, 
Please find enclosed the following lawful instruments served in good faith and with full 
reservation of rights under UCC 1-308. These documents pertain to a formal billing dispute, 
lawful affidavit, and commercial notice pertaining to alleged utility billing errors and 
presentment of improper or unlawful claims. 
Included Documents 
1. Billing Dispute & Demand for Lawful Presentment 
2. Affidavit of Truth and Status 
3. Notice of Default and Dishonor (if no response is timely received) 
Purpose 
These instruments are submitted to demand lawful accounting, verified billing procedures 
in line with 12 CFR § 1026.13, 15 U.S.C. § 1666b, and the Paperwork Reduction Act. As 
Executor in Fact and Private Estate Authority, I require a full statement of account and proof 
of lawful contract for any future collection attempts. 
Conclusion 
Failure to respond in good faith may result in lien, arbitration, and formal referral to 
enforcement for fraud, conversion, and misrepresentation. I am operating under divine 
appointment, lawful authority, and constitutional protection. 
 
Thank you for your immediate attention to this matter. 
 
By: ____________________________________ 
Chris Magis Nero, Executor 
Date: ________________________ 

UTILITY BILLING ERROR + OMB DOCTRINE--------------------------------------This is a formal Billing Error Dispute under federal law.ERROR ASSERTED:- Inaccurate charges- Failure to validate meter readings- Failure to identify lawful creditor- Failure to show that services were not prepaid or bond-fundedOMB DOCTRINE:Utility bills requiring information or payment must display a valid OMB Control Number.You have failed to do so.CEASE & FREEZE:No disconnection, collection, or adverse reporting may continue during an unresolved dispute.REMEDY:Provide validation, accounting, and lawful authority or cease all attempts to collect.

Billing Error Dispute & Demand for Lawful Presentment 
To Whom It May Concern, 
This document serves as a formal and lawful dispute under the authority of 12 CFR § 
1026.13 (Billing Error Resolution), 15 U.S.C. § 1666b (Timely Credit), and the Paperwork 
Reduction Act (44 U.S.C. § 3501 et seq.). I, the undersigned, am the Executor and Private 
Estate Authority of the referenced account. This is a lawful notice and demand for 
correction, verification, and production of a valid True Bill. 
I. Statement of Facts 
1. I received a utility billing statement allegedly claiming a debt owed. 
2. Said billing statement failed to include a complete statement of account (credit/debit 
ledger). 
3. Said billing statement does not show a valid OMB Control Number as required under the 
Paperwork Reduction Act. 
4. I do not consent to be treated as a surety or debtor without full disclosure, contract, and 
lawful presentment. 
II. Formal Billing Error Dispute 
Pursuant to 12 CFR § 1026.13 and 15 U.S.C. § 1666b, I hereby dispute the validity and 
accuracy of the enclosed billing statement. You are hereby instructed to provide within 30 
days: 
a) A full accounting (statement of account showing both credits and debits); 
b) The original contract bearing my wet-ink signature; 
c) Proof that the billing instrument carries a valid OMB Control Number. 
III. Conditional Acceptance 
I conditionally accept the bill upon proof of claim and lawful presentment. Absent 
verification, this bill shall be deemed null, void, and a fraudulent claim on the estate. 
IV. Notice of Commercial Liability 
Failure to respond in good faith within 30 days constitutes dishonor. A Notice of Default and 
Commercial Lien may follow, along with referral to private arbitration under UNCITRAL. 
This notice is sent in good faith, with full reservation of rights under UCC 1-308 and without 
prejudice. Any silence will be taken as agreement that no lawful debt exists. 
 
By: ____________________________________ 
Executor, Chris Magis Nero 
Date: ________________________ 

[FULL UTILITY ENFORCEMENT LETTER TO ABC ELECTRIC COMPANY]
[Your Name / Trust Name]
[Your Address]
[City, State ZIP]
[Email / Phone]
Date: [Insert Date]
ABC Electric Company
[Their Address]
[City, State ZIP]
Re: BILLING ERROR DISPUTE — UCC §9-210 ACCOUNTING DEMAND — OMB PUBLIC
PROTECTION DOCTRINE — FEDERAL FREEZE
Account No.: [Insert Account Number]
To Whom It May Concern:
This correspondence serves as a formal Billing Error Notice under 12 CFR §1026.13, a Demand for
Full Accounting under UCC §9-210, a Debt Validation Request under 15 U.S.C. §1692g, and an OMB
Public Protection Doctrine Notice pursuant to 44 U.S.C. §3512 and 5 C.F.R. §1320.6.
This letter is tendered by the undersigned Private Attorney General, operating under full fiduciary
command authority.
1. BILLING ERROR DISPUTE — 12 CFR §1026.13
This is a federal billing error dispute requiring:
 Immediate acknowledgment within 30 days
 Full resolution within 90 days
 Automatic suspension of ALL collection activity
Errors asserted:

 Inaccurate charges
 Failure to validate debt
 Failure to identify true creditor
 Failure to show prepaid or subsidized status
 Failure to provide lawful ledgering
 Failure to show meter accuracy
ABC Electric may NOT disconnect service, report negatively, or collect during this dispute.
2. UCC §9-210 — DEMAND FOR FULL ACCOUNTING
Provide:
 Full ledger from account opening
 All charges, credits, subsidies, offsets
 Source of debt and creditor identity
 Proof account is not prepaid
 Meter testing records
 Rate schedules
 Signed contract with wet-ink signature
Failure to comply constitutes dishonor and commercial default.
3. FDCPA — COLLECTOR STATUS
Under 15 USC §1692a(6), any entity billing or collecting on behalf of another is a debt collector and
must validate all alleged debts.
4. OMB PUBLIC PROTECTION DOCTRINE — 44 USC §3512
No person may be penalized for failing to respond to any information collection request lacking a valid
OMB Control Number.
Your bills contain NO OMB number.
Therefore, the bills are VOID and unenforceable.

5. TRUTH IN BILLING ACT — 15 USC §1666
Violations:
 Failure to identify creditor
 Failure to itemize charges
 Inaccurate application of payments
 Lack of transparency in billing
6. STATE UTILITY COMMISSION OBLIGATIONS
State regulations require:
 Full accounting upon request
 Proof of accurate meter readings
 Disclosure of third-party servicers
 No disconnection during disputes
7. STATUS OF ACCOUNT DURING FEDERAL DISPUTE
You are prohibited from:
 Disconnecting service
 Assessing penalties
 Sending to collections
 Reporting negatively
 Demanding payment
8. REQUIRED REMEDY
You are commanded to provide:
 Full accounting
 Federal billing error resolution
 Validation of alleged debt

 OMB Control Number
 True creditor identification
 Meter accuracy proof
Respond within 30 days. Failure results in:
 Administrative Default
 Certificate of Dishonor
 CFPB, FTC, AG complaints
 Final Administrative Judgment
9. COMMAND AUTHORITY
The Private Attorney General is coming in with full command authority — you are hereby commanded
to comply.
Respectfully submitted,
Chris Magis Nero©
Private Attorney General
Executor, Fiduciary, Authorized Representative

Affidavit of Truth and Status 
I, Chris Magis Nero, herein affirm the following truths under penalty of perjury, pursuant to 
28 U.S.C. § 1746 and under the laws of the united States of America. 
I. Affiant’s Status 
1. I am the living man, Executor, and Private Estate Authority over the account and legal 
estate associated with the billing statement in question. 
2. I am not a surety, debtor, or trustee for any unverified corporate account or billing 
presented without contract or consent. 
II. Factual Testimony 
3. I received a utility bill demanding payment without full accounting, proper disclosure, or 
lawful certification. 
4. Said bill did not include a complete statement of account or reflect pre-existing credits. 
5. Said bill lacked a valid OMB Control Number in violation of the Paperwork Reduction Act 
(44 U.S.C. § 3512). 
III. Demand for Remedy 
6. I demand full compliance with 12 CFR § 1026.13 and 15 U.S.C. § 1666b. 
7. I reserve all rights under UCC 1-308 and hereby give notice that dishonor or failure to 
rebut this affidavit constitutes default. 
IV. Declaration 
I declare under the laws of the united States of America that the foregoing is true, correct, 
and complete to the best of my knowledge, belief, and firsthand experience. Executed with 
full capacity and lawful standing. 
 
By: ____________________________________ 
Chris Magis Nero, Executor 
Date: ________________________ 
Notary Seal: ____________________________