My father died in July and my mom has shut off from pseg

you should apply for emergency assistance for utilities.  contact the Board of Social Services in the County in which your mom lives.  If she is elderly, and/or disabled, she might be able to get assistance with payments.  Also - contact PSE&G immediately and advise them if your mom is elderly and/or disabled.  they will put her on a new payment schedule.  In the bigger picture, you need to figure out some way that mom can afford to pay her utilities.  It sounds like she cannot afford the home in which she is living and some arrangement must be made to get her in a living environment that she can afford.  If she lives in Monmouth or Ocean county call my office and we can discuss this matter further.