Can you help me fix my digital camera (small shutter problem)?

I have a digital camera that when you shut it off the shutters close. When you turn it on they open. There are two shutters that form a square. Well for some reason now only one shutter is closing. I can’t even see the second one to pull it down. So this means only half the lens is covered when I shut off my camera.

My digital camera is a:
“Digital Concepts”
Auto Focus Zoom Lens 3x 36–108mm 1:2.8–4.8

I have three questions:
1. What kind of problems may this cause with my camera, having one shutter not close and leaving the lens exposed? And how long till it’s a problem?
2. How can I fix this myself?
3. Who would I call to get it fixed? (or is it a lost cause?)

Thank you!