Hi there ~
I understand that you have a lot of concerns and it is frustrating to have all these problems. I wonder if you can get aid in the form of social security if you are having problems paying your bills. With your condition it is not necessary to go to an ER if you are going to be stuck with a huge bill. If you have insurance and can get an appointment with a doctor who can examine you, it would be ideal. However I believe that your concerns seem to be valid and you may need an imaging study of your abdomen to find out what the lump is. I hope this helps. Over the counter medications to help relieve the itching and back pain
usually helps in the short term.
I hope this helps. Take care and have a lovely day!