Anything that can go wrong, will go wrong. Your family might be looking at ways to free up cash; maybe a child is going to college or other emergency expenses have popped up. The very last thing that you need is your air conditioning unit or heating to break on you. However, these systems always seem to break down at the worst time possible. And when the temperatures are at either extreme you need your air conditioning and heater to be working.
There are options available to you if you find yourself in this kind of situation.