It's wrong not to be able to pay the bill.
Ray hadn't paid his electric bill in more that a month and a half.
Ray wants to pay for his electric bill on the online service.
Ray pays the bill online as soon as he can get to a computer.
Ray waits another two weeks before logging on to pay the electric bill.
Ray only has to pay the cost of his past due electric bill.
Ray has to pay the bill plus several other late fees that he incurred.