It started out plausible, but soon started sounding Perils of Paulinesque. Grabbing bits and pieces:
"I an a 62 year old nurse, still working." Ummmm, OK, working at age 62 is somehow unusual? I'm closer to 72 that 62 and have a full-time job (= no need to say "still").
... I was without work for a month, thinking that they would assign me a new patient and not knowing about their defrauding Medicaid. So, she didn't mash the alarm bell button after a week without a new assignment? She didn't look for a survival job at StarTargMart during the months (see below) she was without a nursing assignment?
No new client was given to me and we were behind in bills for a month or so when I finally found out about the situation with this agency. I applied to another nursing agency, but had to wait for a new assignment. It went very slowly.
Soon, we were several months behind. My car payment was several months in arrears. Then our mortgage was in arrears and we negotiated with the lender and got help from HUD. ... So, somehow a month without an assignment plus a slow new agency somehow morphed into My car payment was several months in arrears and Then our mortgage was in arrears and we negotiated with the lender and got help from HUD? Am I the only one who realizes that "several months in arrears" and "mortgage was in arrears and we negotiated with the lender and got help from HUD" probably means that Lunabell let things slide for 4-12 months (car loan lenders might act somewhat quickly, but mortgage lenders and Federal agencies, no). I wonder if Lunabell and SO let things slide because they thought they could suspend mortgage payments without consequences due to Covid rules.
... my car's engine failed and the car is shot. I still owe on it and a new engine is more expensive than the car is worth The market value vs. repair cost is the wrong comparison. The value of that car to her was the value of transportation to her job and other necessities. She should be comparing the cost of a new engine (which would make the car reliable transportation) to the cost of another used car of unknown reliability.
All in all, the situational details of this Perils of Pauline story may be more or less accurate, but some significant poor and improvident choices have been omitted.