Thanks for the info!
I had a free estimate done at a sewing machine repair shop and they said the "hook timing" was off and it would be $50 to repair. I might try to repair it myself but am still buying a new sewing machine anyway. I figure I might as well get with the times.
The Baby-lock dealers have a special $24.95 clean out the cobwebs special to clean, oil, adjust timing, etc. (Any brand.) I think it's through Oct 31, but I can't find the ad now. If you have a dealer close by it's worth it. I took mine in last week and I finally have a great repair/service shop that I'll definitely go to again!