With all these problems you are facing, it is hard to find a concrete solution for this, other than withdrawing your retirement plans.
Before doing so however, you have to think hard first.
Remember that this Roth IRA account is for your future, especially when you are already old and you are retired from work.
Most companies ask their employees who are age 60 and above to retire, since at this age, people are already a bit unproductive.
You may still be strong and healthy at this age, but your employers would of course prefer the younger ones, especially those who are fresh from the universities.
These people have learned a lot of new things and these are surely beneficial for the company.
Any account, when the terms and conditions are violated, there will be a penalty.
The penalties of the Roth IRA are very precipitous, and this can clean up all of your profits, including some of the funds that you have already put up in your contributions.
There are terms and conditions stated whenever you apply for a Roth IRA account.
You can only withdraw your contributions when you have a life threatening emergency, and you do not have any other resources that you can turn to.
At this time, you are allowed to withdraw from your account.
Examples of these situations are surgeries that you or any of your family members have to undergo and accidents that made you stay in the hospital for a long time that your insurance cannot cover up your bills anymore.
These withdrawals are under strict guidelines, and you have to have your company representative explain these to you.
Withdrawal cannot be done if you want to pay any of your debts.