Sticky situation. Advice Needed.
Long story short, I have a horse in training at an established facility. Certainly not BNT but they get the job done and the care is great.
I seriously hurt myself and asked the trainer to market my horse (6 months ago) since riding would be out of the question for quite some time. I was told a few people came and test rode. No results. Now, I'm hearing different stories from different parties.
Then I get fired from my job. Boss said it was because Obama won the election and he outsourced to India instead. So, 150 lost their jobs that day.
Lived off of my savings while searching desperately for a new job. Savings depleted in what seemed like no time. I was very honest with the trainer. I'm out of a job and I need to lease/sell/give away the horse. I lived off of tuna and ramen for months so I could pay my bills.
Note: I always paid on time and often helped out around the barn when I could. I did whatever I could to be a 'good' client. There were people that never paid and rarely showed up. There still are.
I finally got a job and am getting back on my feet. However, I did fall behind on my board a bit. It was either pay my rent/eat or board. I was at an all time low. I sold off everything I own to pay her while I was out of work--furniture, clothing, jewelry, washer/dryer, etc. You name it and I sold it. I literally have nothing left.
Contacted original owner/breeder of horse and asked if they were interested in a re-purchase. They said yes. So, sold horse and paid trainer off.
However, trainer kept my tack trunk and all of its contents (which were all *brand spanking new*). I'm being told that it is considered 'collateral' and they can keep it. Am I crazy? I understand that I was at fault. But, after paying my debt off in full they can't keep it, can they?
In the sale I agreed that all of the custom made tack would be included in the price. Now, I'm learning that the trainer took it all. Is there anything I can do?