a reverse mortgage is definitley an option for you.
the bank buys back your home over time so now, they send YOU money.
call your title company (whoever did the title on your mortgage) and ask them for a referral to a mortgage person or call your own local bank. i would also ask the title company about reposession of your home. (i did mortgages in a past life... and i saw people who owed back taxes on property for 17 years and no I'm not kidding) is the no partial payment deal coming from the county? or is that just the collection agency? if you don't know, call the county tax assessor's office. that no partial payments bit sounds like a load of crap to me...
on other notes - call all the local community organizations and ASK for help.
Knights of Columbus
where did you work when you became disabled? maybe you still have some support there?
because your house is paid off, there is a lot of equity in it, shady people will try to take it from you for next to nothing because they can sell it and make a nice profit.
make sure you verify with the county that this company does indeed work for them. also, find out if you send a partial payment to the county (instead of the collection agency) do they have to accept it?
call your local representative/senator and your community LEADERS -elections are coming up this fall i bet...
gosh i hope i helped.
put you in my prayers.
ps - there are some AMAZING mortgage programs out there now and the flexibility in lending has changed dramatically. if you ask for referral to a good mortgage broker, they have access to a lot more programs than a regular bank.
Member of various community organizations, former mortgage advisor