Hi Elaine,
It seems that everything that can go wrong will go wrong,just at a time in your live that you dont need it, it happened to me. I have never had a motor vehicle ax in my life, but sure enough, someone wrote my car off, and my lovely wife was in the middle of her battle with cancer, its like living in a nightmare that you cannot wake up from.
All I can say is to hang in there, solve each problem as it comes up and do your best, all seems to be against you, but be strong, do not loose it.
wombat4