Knowledge is power.
If the land issue arising as a result of encroachment is for a few decimals or the money lent is the minor amount, it would be better to leave the same since remaining under stress for a continuous period may affect your health involving additional expenditure.
The best way to solve such problems is to approach some mediator knowing you and the other party and such an approach can yield dramatic results which you may not get through court proceedings.
It is always better to make a list of our problems and priorities them and start attempting one after another. If we are not able to solve one problem we should not get stuck here. We have to go forward and attempt other issue and solve them. Simultaneously we should continue working on the issues which are not completed successfully and see that there will be some progress on all the issues. We should keep any issue in the cold storage.