The situation for foreigners trying to pay utility bills is ludicrous.
The normal method of paying is to go to the village post office or the utility company offices once a month and pay over the counter. Paper bills are not issued.
The direct debit system does work, but is expensive. Usually the charges for the transaction cost more than the bill.
I cannot speak for your region, but in Yambol, our clients do the following:
1. Leave money with a friend in the village to pay the bills in their absence.
2. Wait until they return to BG and then clear the bills and have their electricity reconnected (the cost for this is 15lv as opposed to 18lv per month for direct debit).
3. Set up Direct debits.
The water company will not disconnect your supply. In Yambol however, they insist on on a direct debit for payment.
The electricity company will disconnect the supply without any warning if the bill has not been paid within a few days of the due date.