Jada owns 35 Rayland Street, Blacktown. The property is worth $800,000. Jada borrowed $500,000 from Bendigo Bank to make the purchase. Jada suffers a horrendous car accident that leaves unable to work for at least six months and stops making loan repayments. Bendigo Bank is eager to recover their security over the property as they are concerned that Jada will be unable to repay the loan. They send Jada an initial letter of demand. Advise Jada what steps she might take to protect her interest in the property. Advise her also of the options open to Bendigo Bank.