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Back in 2009 a lot of people had to deal with the same problems as you and a lot of those people had lost almost everything. As far as I know some of my friends that had to deal with the situation like yours took a credit to pay the debt as the term was due. Some of those who took the credit lost their money as they were scammed and the other part of my friends took credit from (link removed) and they had solved this situation, as far as I know they took a short term credit and were able to pay it fast as the %debt was not high. What I want to say is if you have the same issue now, you may take a credit from a well known credit company to save the situation asap

Very interesting, but as far as I know, the modern li-on batteries has it's own chip to control the charging cycles and they are way much smarter then we pretend to be, so It doesn't matter how often do you charge your battery