Bad news

Our building manager of house disappeared for a long time ago. Our fee of water and electricity fees always are always paid through him. A few days ago, one a worker told us the water and electricity would be shut cut off unless we paid. What a terrible thing! If we live without have no water and electricity, what can will we do?

Bad news

Our  house manager disappeared some time ago. Our fee for water and electricity are always paid through him. A few days ago, one worker told us [that] the water and electricity would be shut off unless we paid. What a terrible thing! If we [have no] water  and electricity, what can we do?

Notes: I have changed around some things for normal convention.

It is possible to say "manager of house" as a formal title, but unless it is a formal title, the altered arrangement is normal.

It is also usual to say 'are always paid" rather than "always are paid". I know that this is different from formal rules.

I added 'that' to "one worker told us the water and electricity would be shut off".

With this sentence, "If we live without water and electricity, what can we do?". There is nothing incorrect about this. I do have the urge to say "water or electricity" as either would be very difficult, but it has a different sense to what you have written. using "or" is commonly encountered.

Also the sentence suggests the phrasing "If we try to live without water and electricity, what can we do?". I am putting in the implied future life that you fear.