Agreed. PLEASE don't just ask an electrician over the phone. I also hate to spend money needlessly, but sometimes you need a pro, and will have to bite the bullet. In your situation, I too would be in over my head. Be safe. Actually pay a pro to come out and sort everything out before you or a loved one die while trying to save a few bucks.
I just did this last season with the electrical on my heat pump. I remember paying the guy a fair amount to come out and do the job; it seemed like a lot at the time. But, honestly, one year later, I couldn't tell you whether is was $50 or $200. But I can tell you we're all still alive. Money well spent!