You've gotten tons of good advice...just keep reaching out. And get the priority back on YOU - if you don't take care of you, who will be there for Marc and your mom? Go to a doctor and ask about spreading payments out. They read the papers and know the financial sitch of the nation - they became doctors to help people, and most are willing to set up a payment schedule with you. Go to an ER as a Jane Doe - they can't refuse to treat. Something....
