So you signed a contract that means you need to give this breeder $20000-$30000 if you decide to opt out? I would guess quite a few of this breeder's "cat families" would want to renege on the contract before the fourth litter, so that is indeed a nice little earner for any breeder. Very, very, very few Bengals would be worth that sort of money. Why would anyone who was concerned about your mental health advise you to get into a breeding contract that was so difficult to extricate yourself from? All you needed to do was buy a breeding quality kitten if your intention was to breed. HCM scans and a few health tests hardly cost that amount of dollars. If all you needed was a "replacement" for Linden in a hurry then the local shelter would have probably sourced a brown spotted tabby kitten for you. I doubt a 5 year old would have known the difference between a Bengal and a DSH if it was the right colour and had spots, Many lay people on here would even struggle to tell the difference.
Personally, if I were you, I would ask your support team, ie GP, psychologist and even your legal team to put pressure on this breeder to allow you to keep Kira but free you from this contract. You do not sound in a good way mentally to cope with all of this. Fast forward 10-14 mths, the breeder wants to breed her, but you NEED Kira in your life, how are you going to cope with her being away for months? If you challenge the breeder then, your case may not be so strong, whereas at the moment I am sure the breeder could be "leant upon" by your support team who would give details of your present stressful life as mitigating circumstances and be able to remove you from this contract, with as little hassle as possible.
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