Selling through a traditional estate agent usually involves a chain of some sort. Unlucky sellers can encounter real problems if the chain breaks, and there is no guarantee that the sale will go through until the completion papers are signed. For this reason, even if you accept an offer on your home fairly quickly, it can take anywhere from three to twelve months to sell your home by which time your debts may have been called in. In contrast, the house rent back process carries no chain and help you recover from debts.