In Ontario the moment the board is overdue, there's an automatic lien on the horse. The biggest issue with boarding horses is that when money is short, that is the last bill that gets paid, if it does and the BO is then in a position he/she doesn't want because of all the hassle. A finance company will loan you the money - at 28%. I think you are in over your head with two horses. The breakdown of your car proved you are living too close to the line. How will you pay a vet bill, will the BO have to wait again?