civica

Chapter 3 - Cutting the Cord

The next morning was Black Friday. While millions of Americans were standing in line for television sets and designer coats, I sat at Simone’s kitchen island with my laptop open, a legal pad beside me, and a fresh pot of black coffee brewing.

My hands were steady now. The trembling had stopped somewhere around three in the morning.

I pulled up my bank accounts. Every single utility for the house on Sycamore Drive was linked to my checking account via auto-pay. For four years, I had kept it that way to ensure the water was never shut off and the power never flickered during winter storms.

I picked up my phone and dialed the power company first.

“City Electric, this is Marcus. How can I help you today?”

“Hi Marcus. My name is Cassidy Miller. I need to take my name off the account for 1428 Sycamore Drive and terminate service in my name effective immediately.”

“I can certainly help with that, Ms. Miller. Are you transferring service to a new address?”

“No,” I replied evenly. “The homeowners still reside there. They will need to establish service under their own names.”

“Understood. Because there is a pending cycle balance of three hundred and eighteen dollars, that will be charged to the card on file unless—”

“I’m revoking authorization for automatic debit on that account today,” I said smoothly. “Mail the final paper bill to my PO Box. When the billing period closes, I’ll settle my prorated share for the days I actually occupied the premises. But as of noon today, disconnect the remote meter or switch it to landlord standby.”

“Done. Service under Cassidy Miller will terminate at twelve o’clock PM.”

Next was the municipal water and sewage authority. Then the high-speed fiber internet—the top-tier commercial bundle Brent had insisted on two years ago so his gaming streams wouldn’t lag. That was one hundred and forty dollars a month.

“Please cancel the fiber service,” I told the representative. “No transfer. Full termination.”

Then came the homeowners insurance policy. Because Dad had claimed his back injury made paperwork impossible, I had placed the policy under my name as an authorized payer to ensure the home didn't lose coverage. I called the agency and had my banking details removed, instructing them to send the renewal premium notices directly to Arthur and Eleanor Miller.

Finally, I opened my banking portal and navigated to the biggest line item: the recurring wire transfer for the mortgage. $1,845.00 scheduled for the first of every month.

The transfer was slated to execute in four days, on December first.

I clicked on *Scheduled Transfers*. I hovered the mouse cursor over the red button that read *Cancel Recurring Payment*.

A little confirmation pop-up appeared: *Are you sure you want to cancel this recurring payment of $1,845.00 to First National Horizon Mortgage?*

I took a slow breath. I thought of Dad’s smug smirk across the turkey carcass. I thought of Mom asking if I would still pay the electric bill while my bags were sitting on the porch. I thought of Brent’s girlfriend unpacking her shoes in my bedroom.

I clicked *Confirm*.

The screen refreshed. *Transfer Cancelled.*

At precisely 12:15 PM, the storm hit.

My phone, lying flat on the quartz countertop, began to vibrate violently. It buzzed across the polished stone until it nearly tipped over the edge.

*Brent Calling.*

I ignored it.

Two minutes later, it buzzed again. *Mom Calling.*

I let it ring until it went to voicemail.

Thirty seconds later, a flurry of text messages illuminated the screen.

**Brent:** *What the hell did you do to the internet? My stream cut out in the middle of a tournament. The router says service terminated.*

**Mom:** *Cassidy! The power just went off in the middle of laundry. The refrigerator is dead. Dad says the electric company told him the account was closed! Call me right now!*

**Brent:** *Pick up your phone! Vanessa is trying to blow dry her hair and nothing works. Why isn’t the power on?*

I picked up the mug of black coffee, took a long sip, and typed a single response to the family group chat:

*“As Dad stated yesterday, I am thirty-two years old and need to stand on my own two feet. Supporting myself requires all of my financial resources. Since I no longer reside at 1428 Sycamore Drive, I have discontinued all non-essential expenditures associated with the property. I trust you and Brent will have no trouble maintaining your own household.”*

I set the phone face down.

Before I could walk over to the sink, the screen flared again. This time it was Dad. He didn't text. He left a voicemail that was instantly transcribed by my phone’s software:

*“Cassidy, you listen to me. You turn that power back on this second! You are embarrassing this family. Brent has guests here! If our food spoils, you are paying for every damn bite of it! Pick up this phone before I drive over there and find you!”*

May you like

I read the transcript, smiled faintly, and blocked his number.

***

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