Losing Money--All the way

When I moved on to my second job, I had a 401K I had to do something with. There wasn't enough money in it to roll it over to Charles Schwab without being fined for a low account balance. Charles Schwab was at the time, my current simple iRA through my then current employer. So I took my first employers money and rolled it over into a traditional IRA through State Farm. I would have been fined for a low balance but instead of having to ge it up to $2500 with Scwab, I only needed to raise it up to $1000. So I opened another account along side of it - a roth ira.  I was depositing 50 dollars a month into it to get the balance up. The balance was up. All was good. Then my current agent didn't make some kind of quota and State Farm reassigned my mutual funds to another agent--a complete stranger. My previous agent, still my current for my other State Farm Accounts, was awesome. She'd give me warnings ahead of time, and if I needed or even wanted info or advice on anything, she'd give it. She's more of a family friend than an agent.

This new girl wouldn't give me updates, didn't give me info until last night. I have the option, that because the economy was so bad that I could get a check to her for 100 bucks by 2PM today or I could take a 25/ fine for being below $1000. The only thing is, I have two accounts and one I can't deposit anything into - my traditional Ira I rolled over from my old job. The one I can't deposit into I have $183.59, since it is below $250, and the balance of all my accounts isn't over  a $1000 they can close the lower account and fine the other account, and I could lose it all out of the traditional.

I can't get a check to her by 2PM today. I'm working. All I needed is more notice. All I needed is advice. Now I'm set to lose.

I still have my Schwab account, and come December it will lose too as my last deposit in there is in November for the month of October. I'll need $2500 in there and I know I have no where near that.

I might just withdraw everything, everywhere and take the hit if I can't somehow add it into my State Employee Retirement System.

What to do...what to do... I'm sinking, so much deeper than I care to. SHould I try to transfer it and if I can't just withdraw it all and take a hit? If I don't withdraw it I might just end up losing it all.