who do you recommend to help me as i'm running out of time

i am going through rather a rough time at present & have a sick child with whom i am awaiting an appointment with a consultant. i have received numerous shortfall letters but have ignored them as i have not felt strong enough to fight back, i have heard nothing from lender & then over the weekend got a letter from their solicitor/legal department stating that if i do not reply within 7 days to discharge the full amount then legal proceedings will be put into place. if i do not comply with this then a monetary judgement will be made against me what is this? they also state that they will add extra money on top of the debt which is already 14k if i do not pay this full amount within 7 days i do not have this sort of money. they are also threatening me with an aoe & they know who i work for. they are also threatening to make me bankrupt. i have looked at your who helps section but really do not know who to go for & who to trust as i used one company assoc of mort borrowers 2 years ago & was advised it had been sorted & i paid them a fee but now this has happened. could you please reply to me quickly as obviously 7 days is not long. help.......... i'm desperate

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