Browser connection problem

I have a win ME PC 733 Mhhz 20 G HD, 256K RAM.

Used to run smoothly.I have cable connection. I called the cable
company and they say the connection is fine.They say it is an Netscape
problem.

I cannot open IE or Netscape Browser.I get a white window with a blue
border.
There is no window to type an url. I tried AOL ..same problem, The
browser won't open.


An error window opens up:
Explorer has caused an error in(unknown)
Explorer will now close.

Also I get another similar message

HotTray has caused an error in(unknown)
Hottray will now close.

How can I get Netscape back.
I tried repairing Netscape twice.
Also tried reinstalling it.

I believe I have a boot disk for win 95 and 98 on my pc.

I tried system restore but I get a blank page. it seems like is isn't
working either.

I do not want to lose my files and emails on my PC so I prefer not to
reinstall windows Me.
I did a scandisk too.

Can any one help me PLEASE

I am NOT Technical so please explain the steps in a little detail.

Thanks in advance.