civica

Chapter 6 - The Unraveling of the Carters

The day after Christmas—Boxing Day—brought an icy gray morning that mirrored the mood spreading across the Carter Ridge country club set.

Ethan was in his home office by seven in the morning, a mug of black coffee beside his laptop. By eight-fifteen, he was on a conference call with Marcus Vance, the senior litigator at his firm.

“The filings are finalized, Ethan,” Marcus said, his voice crisp and professional through the speakerphone. “The notice of default was executed cleanly in October. The Notice to Quit has been served via certified courier this morning. Legally, they don't have a leg to stand on. Dan’s corporate debt was cross-collateralized with full power of attorney from Robert. You hold the primary mortgage lien, and it is in active breach.”

“What’s the timeline if they fight it?” Ethan asked.

“In this county? With the paperwork you’ve got? If they don't surrender the property voluntarily by January twenty-fifth, the sheriff’s department will execute the writ of possession on February first. They’d be out on the lawn by noon.”

Ethan took a slow sip of coffee. “Let’s hope Robert has enough sense left to avoid that.”

He hung up the phone just as our front doorbell chimed.

I stepped out of the kitchen, wiping flour from my hands—Emma and I were baking gingerbread men, filling our cozy house with the scents of cinnamon, cloves, and brown sugar. Ethan met me in the hallway, giving me a cautious nod before opening the door.

Standing on our porch, wrapped in a designer camel-hair coat that cost more than my monthly car payment, was Jessica.

Her eyes were red and swollen, her mascara smudged, her perfectly styled hair disheveled by the morning wind. She wasn't sneering today. She looked terrified.

“Ethan,” she gasped, her voice hoarse. “Thank God you’re home. You have to stop this. You have to call your lawyer.”

Ethan didn't invite her in. He stood squarely in the doorway, his arm braced against the frame. “What do you want, Jessica?”

“Mom hasn't stopped screaming since yesterday,” Jessica pleaded, clutching her leather handbag like a shield. “She called the bank this morning. She called the club president. She tried to get Uncle Dan’s lawyer to file an injunction, but the lawyer told her that Dan committed bank fraud and that if this goes to a judge, Dan could actually go to federal prison!”

“That’s between Dan and the federal prosecutor,” Ethan said impassively.

“Ethan, they’re going to lose everything!” Jessica cried, tears finally spilling over her cheeks. “The house, the cars, their standing! Dad is sitting in his study with a bottle of Scotch, saying he’s ruined! Brad and Chloe are terrified! How could you do this to your own family over... over a petty misunderstanding?”

I stepped up behind Ethan, crossing my arms over my chest.

“A petty misunderstanding, Jessica?” I said, my voice cutting through her hysterics. “Your mother looked an eight-year-old child in the face on Christmas Day and told her she was trash who didn't deserve gifts. You stood there holding five-hundred-dollar coats and said nothing. None of you said a word.”

Jessica turned to me, her eyes flashing with desperation and lingering contempt. “Sarah, please. You don't understand how our family works. Mom has always been particular! She has high standards! It was just words!”

“Words have consequences,” Ethan said coldly. “For thirty-four years, Mother used words to cut down anyone who didn't bow to her vanity. She treated Sarah like an intruder, and she treated my daughter like an embarrassment. I used my own money to bail this family out of Dan’s criminal recklessness because I foolishly thought blood mattered. But you proved last night that blood only matters when you need a check written.”

“What do you want from us?” Jessica sobbed, shivering on the porch. “Do you want an apology? Is that what this is? Fine! I’m sorry! Mom will say she’s sorry! Just tear up the eviction!”

Ethan looked at his sister with a mixture of pity and revulsion.

“A forced apology from someone holding an eviction notice isn't remorse, Jessica. It’s cowardice,” Ethan said. “Here are the terms. There are only two options. Option one: Dan and Dad find four hundred and twenty thousand dollars in cash by January twenty-fifth to buy out the senior lien, plus five percent interest. Option two: They pack their bags and hand over the keys.”

“They don't have four hundred thousand dollars!” Jessica screamed. “You know they don't!”

“Then I suggest you start clearing out your old bedroom,” Ethan said.

May you like

He closed the door, cutting off her sobs, and turned the deadbolt with a clean, unmistakable *click*.

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