When are payments withdrawn through the PAP Program?

The full amount of the utility bill is withdrawn on the 25th of every month. 

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1. What is the PAP Program?
2. When are payments withdrawn through the PAP Program?
3. Who can join the PAP Program?
4. What happens if I don't have enough funds in my account to cover a bill, or I miss a payment?
5. How do I make changes to my PAP program, or terminate the PAP entirely?