My wife's flat was reposessed by the Halifax 7.5 years ago after she lost her job. I later met and married her, now we have two children and a jointly owned property. Debt collectors are now chasing her for a shortfall debt of B#11,000 and are threatening to take a charge out on our current property if she doesn't pay. Can anybody offer any advice, as we have now received a solicitors letter of 'final demand'.(posted 8568 days ago)Many thanks, Andrew.