Sounds like you have the door which has teeth on the horizontal rail which mesh with the teeth on the latch. The latch is that thing which has the rope hanging from it. My guess the teeth in the latch are stripped.
If you pull the rope (or latch handle), the teeth should disengage and you should be able to move the door up or down manually.
Now your choice is to go to call Ace hardware and ask if they have a replacement latch. Or you could call the Villages warranty dept. to get the name of the company which installed your door. The latch will cost about $20.
If the door is not on warranty, a garage door repair company will charge you about $100 for parts and labor.
ps. It's another story if you have a chain driven door. In this case you can still disengage the latch and move the door manually until you can get it repaired - unless the door is off the track, which is ANOTHER story.
sorry, I'm starting to laugh now...
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