Debt Recovery.

My first blog and it involves debt recovery. I'm living in my dream home; I've been here since February. My husband and my son built this house and it's a fabulous house. But the bank who we owe money to have decided that our case has to go to debt recovery and that means we could loose our home. I don't blame the bank. They have given us all of this year to solve a dispute my nephew has with my husband but now they feel debt recovery is the only way forward.

It's a scary situation to be in; potentially we could loose our home to the bank. It's not the kind of experience I would wish on anybody. It's a situation that is alien to me, a situation that I would never have believed I would find myself in- not in my worst nightmare. It's surreal. The sort of thing that happens to other people; not to me.

Today our lender sent our file to debt recovery. Over the last couple of weeks quite a few solicitors letters have flown to and fro between our solicitor and my nephew's solicitor trying to reach an agreement to avoid the case going to debt recovery. But no such luck of that happening! Somebody up there doesn't like me.

So from now I will live through this situation where I have little control of events and decisions being made about my future, my home, my family and my life. It's daunting and I'm not looking forward to it all but there's not a lot I can do about it, I have to face up to it and get on with living life even though it's not easy.

The past 12 months have been no picnic so I feel equipped to deal with worse. But how much stress and strain can a person take? I've found life too difficult to deal with this year. I'm not saying I became a hermit letting life pass me by but everyday life - work, family and home life - was a struggle. Just getting a nights sleep and being able to function the next day was a struggle. It got harder as the weeks went by. Trying to get into work was hard and it got harder every week; so I started taking annual leave just to stay off work. I only work 20 hours a week but found it such a chore trying to get in. As the weeks went by I felt as if I were slipping down the side of a very high hill that I had to climb. I was trying so hard to get where I needed to be but it was almost impossible. It felt as if I was loosing this battle. But every day I thought things would be better and I would be able to do better than the day before. I was wrong - every day was a bit worse, harder and I slipped further down the hill a bit more.