Hello Chrissa. I expect this has caused you a bit of a shock, to say the least. Knowing the debt was outstanding is one thing but seeing a communication in black and white is altogether a different feeling. I know this is easier for me to say than for you to do, but please don't panic over this email. The loss of your husband and sorting out all his affairs, apart from having to find somewhere else to live, has been an enormous struggle for you. You have done so well to get this far. I hope that after a night's rest (yes, you will get some) you will feel a little more able to look to the future. This would happen at a long weekend and you probably feel quite helpless, but there will be people to help you deal with this. I do wish you well, Chrissa xxx