Hi G.,
So Sorry, I totally understand. Unfortunately, my hubby and I have been there more times that I care to remember or admit. So I really do mean it when I say I understand.
What we did: PRAY! God is ABLE! This is when miracles happen when you give GOD and opportunity to work. I can't think of a better time for a miracle than when your back is against a wall.
Also, we have had to borrow and God came through with providing family that had the money or friends. In fact, one time my husband was at the Water Co. out here to pay the bill and did not have it to pay it. He tries to find a card that miraculously could possibly go through when the woman comes back she said your bill has been "paid" in FULL! What? This man here just paid your bill. My husband with tears in his eyes turns to thank the man as well as my 11 yr. old daughter who was with him. He looks at my daughter and says no problem sweetie. Someday you'll be able to BLESS someone else. It was a MIRACLE! I could hardly believe it when my husband and daughter came home to tell me. So always give God a chance and TRUST HIM.
Also, because we have been here also. I had someone tell me that it is against the law here in AZ to shut off your water because of the heat. But I never found out "where" to get info. on that to verify. Definitely, worth looking into. Possibly where Hudmuffin Mom directed you with that website that seems like an Awesome reference.
Hope this helps!
Miracle Mom