I'm so sorry sweetie - life just sucks sometimes, doesn't it! It just seems so unfair sometimes. You are an angel to care for someone with a handicap - remember that!
I know that your folks have already helped you, but it sounds like you just need a little help to get all this sorted out. Maybe they could loan you the $$$ to get to the bank and get this corrected.
It really makes me mad to hear about the AOL thing,

I just hate it when things like this happen - they just don't understand what things like this can do to people.
Keep your chin up, work on one thing at a time, try to be positive for the kids, keep moving forward. You can do it!!!