[az] Grandmother Died At Home, Hospice Had Her Body Taken To A Funeral Home.

Arizona for context. My grandmother died at home last week, and her body was taken to a funeral home. What do we do if we do not have the money to pay for her cremation? We never engaged the funeral home, hospice contacted them and they came and picked her up. My mother(her only daughter) does not have a job, does not own a home or car, no money in the bank and no income. I am also not in a place to cover this financially. We asked to apply for financial assistance from the county but the funeral home refused the application as my mother mentioned that my grandmother may have had a life insurance policy to cover her cremation($2500) This policy will likely never be paid out as my grandmother lied on the application about her smoking. Either way in order to file a claim with the insurer, we need a death certificate, which the funeral home will not provide until we agree to pay $2300 for their services. What do I do in this situation? All of this is extremely overwhelming on my mother, any advice is greatly appreciated.