HI Seeker,

The best advise I can give you and your father in law is to contact your credit legal centre. I don't know which state you are in but if you are in NSW contact the Consumer Credit Legal Centre where they will be more than happy to help you once you explain the situation. I have had dealings with Sample and Partners and we have struggled for some time now. We got had but are now trying to turn this negative into a positive. I would advise you to do something immediately before it gets further out of hand and to help make sure he doesn't lose everything.  There was something on Today Tonight about a month or so ago where a family with 4 young children had their home repossessed by S & P for making a payment 2 days late. Its not worth the risk.  GET LEGAL ADVISE IMMEDIATELY.