Chapter 7 - The Repo Man

By Friday afternoon of that first week, the temperature in Columbus had dropped into the low forties, bringing a cold, spitting autumn drizzle that coated the yellow maple leaves in grease-like slime.
I was sitting in the cab of my F-250 outside the commercial plumbing supply house off Silver Drive, checking the invoice for sixteen lengths of four-inch schedule 40 pipe, when my phone chimed with a security notification from my shop’s remote fleet management app.
The GPS transponder on the 2022 Ford Explorer had just stopped moving.
The Explorer was legally titled to Mercer Plumbing LLC; I had bought it through my commercial fleet line to get the corporate depreciation write-off, allowing Melissa to drive it under an authorized user policy provided she made the monthly reimbursements. Since I had canceled the automated transfer on Sunday, she was technically operating a commercial asset without corporate authorization or valid commercial insurance.
The vehicle had come to a halt in the parking lot of the Kroger on Henderson Road.
I dialed the dispatch number for Buckeye Recovery & Towing—a firm I had done commercial grease trap work for over the last eight years.
"Buckeye Dispatch, this is Carl."
"Carl, it’s Adam Mercer."
"Hey, Adam. That lift pump at the impound yard is working like a charm. What's up?"
"You guys have a flatbed running near Upper Arlington right now?"
"Got Jimmy sitting three blocks away at the speedway on Old Henderson. Why?"
"I’ve got an unauthorized operator in a corporate-titled 2022 white Explorer sitting in the Kroger lot," I said, looking at the blinking blue dot on my phone screen. "Key’s in the ignition or in her purse. I’ve already uploaded the title copy, the corporate resolution revoking driver privileges, and the repossession order to your portal."
Carl let out a low whistle. "Isn't that your lady’s truck, Adam?"
"Not anymore, Carl," I said. "Bring it back to my Dublin Road yard. And if there are groceries in the back, leave them on the curb in the bags. She can call an Uber."
"On it, Boss. Jimmy’s rolling."
I didn't drive over there to watch. I didn't need to see the spectacle. But in a town like Columbus, where everybody’s cousin went to high school with somebody’s sister, the news traveled faster than water down a three-inch drain.
At 4:15 PM, Frank walked into my back office at the shop, holding his phone out with a grin that split his weathered face from ear to ear.
"You see the Upper Arlington community Facebook group yet?" Frank asked.
"I don't look at Facebook, Frank."
"You gotta look at this one, Adam. Some soccer mom posted a thirty-second video from the Kroger parking lot."
I took the phone.
The video was shot from inside a minivan through a rain-streaked windshield. In the center of the frame, Jimmy’s big yellow flatbed truck had its hydraulic stinger lowered squarely under the front axle of the white Explorer.
Melissa was standing in the driving rain, wearing a beige cashmere sweater and high-heeled boots, screaming at the top of her lungs while two Kroger baggers stood on the sidewalk holding four brown paper grocery sacks.
"You can't take this car!" Melissa was shrieking, her voice cutting right through the cell phone microphone. "My husband owns this vehicle! This is an illegal seizure! Call the police! Somebody call the police!"
Jimmy, a six-foot-four tow operator with a gray beard down to his chest, didn't even look at her. He hooked the safety chains to the lower control arms with two loud, metallic clanks, stepped over to the hydraulic levers on the side of his rig, and pulled the valve.
The front end of the Explorer rose smoothly into the air, its hazard lights blinking uselessly.
"He's not your husband, lady!" Jimmy yelled over the roar of the diesel engine. "Title says Mercer Plumbing! Take it up with the municipal clerk!"
A crowd of twenty shoppers had gathered under the concrete overhang of the supermarket, several of them holding up their phones, recording the entire meltdown. Down at the corner of the frame, Briana appeared, carrying an umbrella and a cardboard box of frosted bakery cupcakes.
When Briana saw the truck being hoisted onto the steel bed, she dropped the cupcake box straight onto the wet asphalt. She grabbed her mother’s arm, pulling her back as Melissa tried to throw herself against the rear bumper of the tow truck.
"That's forty-five thousand dollars of corporate property back on our balance sheet," Frank said, taking his phone back and slipping it into his pocket. "And Jimmy says he’s dropping it in Bay Three in fifteen minutes."
"Change the lock cylinders on the doors as soon as it hits the concrete, Frank," I told him. "And pull the license plates. We’re reassigning it to Greg as a service vehicle on Monday."
"With pleasure, Boss."
Ten minutes later, my phone lit up with a call from an unknown number. I answered it.
"Adam?"
It was Briana. Her voice was shaking, stripped of all the haughty, dismissive arrogance she had displayed while holding up that tablet at her party. She was crying—real, unpolished, terrified tears.
"Adam, please... we’re stranded at the grocery store in the rain. Mom is having a breakdown. She’s sitting on the curb and she won't get up. The tow truck driver took our car."
I looked out the window at the gray October clouds hanging low over Dublin Road.
"It wasn't your car, Briana," I said quietly. "It was never your car."
"How are we supposed to get home?" she sobbed. "Derek isn't answering his phone, and Grandpa Wayne doesn't have gas money!"
"You have that brand-new seven-hundred-and-forty-dollar tablet I bought you, don't you?" I asked.
A sharp intake of breath came over the line.
May you like
"Download the Uber app," I told her. "It works on Wi-Fi."
I hung up the phone, set it face down on the desk, and signed the purchase order for the middle school copper fittings.