What is the ruling on delaying payment of monthly bills that incur usurious interest if not paid before the due date?

Whoever has outstanding bills must not delay paying them if a delay results in a fine, because it is riba al-nasi'a (usury of delay). Delaying payment while being able to pay makes the one delaying a contributor to this riba, and the sin is on both parties. The Messenger of Allah, peace and blessings be upon him, cursed the one who consumes riba and the one who feeds it to others. However, if the delay is due to ignorance or insurmountable circumstances, then the sin is on the company that imposed the usurious fine. Companies must cancel these fines and replace them with warning those who delay or cutting off services.