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Chapter 4 - The Notice of Default

Three days after Thanksgiving, the front door of Arden’s house on Elmridge Drive was hit with three separate certified mail deliveries.

I knew, because Carys had spent the morning parked three houses down in her minivan, watching the street like a hawk. When the postal carrier walked up the driveway with a clipboard requiring signatures, Carys called me on the shop’s landline.

“Arden just signed for them, Mom,” Carys whispered into the phone. “She’s standing on the porch in her housecoat. She looks terrified.”

“Stay there, Carys,” I said, looking out at the hydraulic lift where Mack was replacing the front struts on an old farm truck. “Don’t go in until she calls you. Arden has to see the paper with her own eyes. She has to stop making excuses for him.”

For six years, Arden had been the classic peacemaker. Whenever Grant threw a tantrum because dinner was late, Arden apologized. Whenever Grant drained their checking account on tailored suits while the water bill went past due, Arden picked up extra tutoring hours at the high school. She was drowning in his shame, pretending to the world that she had the perfect suburban life.

Ten minutes later, my cell phone rang.

It wasn't Arden. It was Grant.

I hit speakerphone and set the phone down on the metal workbench. Mack cut the air compressor off so he could hear.

"You miserable, vindictive old witch!" Grant screamed. His voice was cracked, shrill, and vibrating with pure terror. "You filed a lien against our house? Are you out of your mind? Chase just locked our credit line! My debit card won't even buy gas!"

"Good morning, Grant," I said smoothly. "Nice day, isn't it? Crisp."

"Listen to me!" he bellowed. "You withdraw that filing today! Do you hear me? Wallace was in the middle of closing a restructuring loan for his warehouse in Dublin, and they cross-collateralized this house! The bank just flagged the title! If this deal falls through, my father is ruined!"

"Your father should have thought about that before he laughed while I was on the floor," I replied. "And you should have thought about it before you forged Arden's name on a sixty-five thousand dollar second mortgage."

Dead silence fell over the line.

For five seconds, the only sound was Grant's heavy, ragged breathing through the speaker.

"You... you don't know what you're talking about," he choked out, his arrogance crumbling into desperate stuttering.

"I have the Delaware filing on my desk, Grant. Right next to Arden's forged signature. Portage County Sheriff’s Department has a special division for identity fraud. I’m having lunch with Detective Miller tomorrow at the diner. Should I set an extra plate for you?"

"Arden approved that loan!" Grant shrieked. "She knew about it! She’ll tell the police she signed it!"

"Then let's ask her," I said. "Because Carys is walking up your driveway right now with a moving truck, and Arden is about to find out that the man she married risked her future to bail out his crooked father."

I hung up the phone before he could reply.

May you like

I looked at Mack. "Mack, wipe your hands. Take the shop flatbed. It's time to bring my daughter home."

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