Chapter 6 - Stuart’s House of Cards

Downstairs, the silence in the dining room was thicker than grease.
Stuart Holloway was sitting on the edge of a mahogany side chair, his head resting in his hands, staring at the crumbs of my cornbread dressing scattered across the lace tablecloth.
Thomas Sterling was sitting at the opposite end of the table. He had laid out four different files, their manila covers spread open like cards in a game that had already been lost.
“Let’s talk about the Maryville loan, Stuart,” Thomas said, his pen hovering over a sheet of lined yellow paper.
Stuart didn't look up. His breathing was shallow, his shoulders rising and falling with a weak, fluttering motion.
“I have sixty days,” Stuart muttered. “The lender said they’d extend the note if the option agreement was recorded by the first of December.”
“The option agreement will never be recorded,” Thomas said. “Because William Arthur Finch Senior never signed it. In fact, Mr. Finch has executed a statutory Affidavit of Non-Execution, which Deputy Vance has already notarized. Any attempt to record that instrument with the Knox County Register of Deeds will result in an immediate criminal complaint for filing a fraudulent real estate instrument—a Class D felony in this state.”
Stuart’s hands dropped from his face. His skin looked like old bread dough that had been left out on a counter overnight.
“Thomas,” Stuart whispered. “You don't understand. If that note defaults, the Maryville syndicate has a cross-collateralization clause on my personal residence on Whispering Pines. They’ll take the house. They’ll take Connie’s car. They’ll take the office furniture.”
“Then I suggest you call a moving company, Stuart,” Thomas said calmly. “Because Finch Outdoor Services will not be satisfying your margin calls.”
Clark Donovan walked out of the kitchen carrying his mug. He stopped at the edge of the dining room table, looked down at Stuart, and took a slow sip.
“You always were a two-bit hustler, Stuart,” Clark said. “Ten years ago, you tried to under-appraise that three-acre parcel I owned off Middlebrook just so your brother-in-law could bid on the tax sale. You thought I forgot about that?”
Stuart didn't answer. He couldn't.
“The difference between Arthur and you,” Clark said, setting his mug down on the table with a firm *clunk*, “is that Arthur’s word is registered with the county even if it’s written on a paper napkin. He tells me the grass gets cut on Thursday, it gets cut on Thursday. You tell a man the sun’s coming up tomorrow, he’d better go buy an oil lamp.”
The swinging kitchen door pushed open.
Trey walked in.
He had put on an old rain jacket—one from four seasons ago that had the old Finch logo embroidered on the left breast: an anvil and a redbud branch. The cuffs were frayed, and the zipper was missing the pull-tab, replaced with a rusty paperclip.
He looked at Stuart. Then he looked at Thomas Sterling.
“Is it true?” Trey asked. His voice had lost its sharpness; it was just an empty, hollow shell. “About the loan on Whispering Pines?”
Stuart didn't look at him.
“You told me,” Trey said, stepping toward his father-in-law, “that the Maryville money was going into an escrow account for the new equipment yard. You told me we were going to buy the three Caterpillar skid-steers to take over the county drainage contract.”
Stuart gave a bitter, dry cough that sounded like a dying starter motor.
“There wasn't any equipment yard, Trey,” Stuart said, still looking at the tablecloth. “There never was. The Maryville money went to clear the second mortgage with First Horizon. If I hadn't paid them by October, Connie and I would have been living in an apartment on Cedar Bluff.”
Trey stood there, his arms hanging limp at his sides.
The realization hit him like a physical blow. He staggered back half a step, bumping into the dining room sideboard. The crystal glasses rattled against the wood.
He had betrayed his father. He had forged the checks. He had stolen the sixty-one thousand dollars. He had told his father’s oldest commercial client that Arthur Finch had dementia.
And he had done it all to save a man who had looked at him as nothing more than a convenient, weak-willed mark with access to a clean corporate checking account.
“You lied to me,” Trey whispered.
Candace came down the stairs then, carrying two leather vanity cases. She stopped at the dining room entrance, saw Trey standing over her father, and her eyes flashed with pure, unadulterated venom.
“Get your hands off him, Trey,” she snapped.
Trey turned on her slowly.
“Did you know?” he asked.
Candace didn't blink.
“We did what we had to do to survive,” she said. “Unlike your father, my family doesn't think living like a dirt farmer is some kind of moral victory. We had debts. We handled them.”
“You didn't handle them!” Trey shouted, his voice cracking into that high, desperate register again. “You stole from my father! You stole from *my* company!”
“It was never your company, Trey!” Candace screamed back at him, her face twisting into a mask of total disgust. “You never owned a single bolt in that yard! You were just an employee with a fancy title! My father spent three months trying to teach you how to read a balance sheet, and you couldn't even figure out how to hide the debit transactions from an old man with an eighth-grade education!”
I stepped out of the kitchen hallway and stood at the end of the dining room table.
“I have a high school diploma from Carter High, Candace,” I said mildly. “Class of nineteen-seventy-nine. And my father taught me how to count before I was seven years old. When you borrow ten dollars, you pay back eleven. And when you steal ten cents, you pay back with your name.”
I pointed toward the front door.
May you like
“Your time is up,” I said.
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