A sharp knock followed, louder this time, pulling her attention back to the present.
Who could it be?
It was too early for a solicitor or a salesman, and no one else had the nerve to knock this early in the morning unless there was something urgent. Her eyes flickered to the clock on the wall: 9:15 AM. She hadn't been expecting anyone, and her breath quickened as her mind raced.
The feeling hit her like a sudden wave, this wasn't a casual visit.
Taking a slow breath, Savannah set the mug down on the kitchen counter. Her throat felt tight, the familiar taste of anxiety creeping up on her. She quickly checked her reflection in the hallway mirror. Her dark brown hair was tied up in a loose bun, stray strands falling into her face, and her pale skin looked even paler than usual, as if she hadn't slept in days. She didn't have time to fix herself; the knock at the door was insistent, like something that could not be ignored.
Wiping her damp palms on her jeans, Savannah forced herself to approach the door. Her hand hesitated on the handle, but she gripped it tightly, unlocking the door with a soft click.
A tall man stood on her porch, a clipboard in one hand and a large envelope in the other. His suit was sharply pressed, too formal for the casual, suburban neighborhood she lived in. He looked like someone from the corporate world, but his gaze was cold, unmoved.
"Ms. Montgomery?" he asked again, his voice deeper this time, almost as if he had been expecting her to react with shock.
Savannah nodded, trying to calm the sudden wave of dread rising in her chest. "Yes... how can I help you?"
"I'm Richard Avery," the man introduced himself. "From Sterling & Blackwell Bank." He glanced down at the envelope in his hands, as though making sure it was the right one before handing it over to her. "I'm here to deliver a final notice of foreclosure for your property."
Savannah's stomach lurched. She hadn't been expecting this, not in the form it was coming. Her mind immediately flashed back to the numerous letters she had been avoiding, the final warnings, the calls from collections agencies she'd tried to ignore. But hearing the words, seeing them in front of her face, was something else entirely. It wasn't just a letter anymore. It was real. It was happening.
Her fingers shook as she took the envelope from him, feeling the weight of it. It was like a stone in her palm.
"What... what does this mean?" she managed, her voice wavering despite herself. She had to understand, even if she didn't want to. She had to know exactly how much danger she was in.
"It means that unless you settle the arrears within the next week, we will begin the foreclosure process," Avery said, his voice without empathy, his eyes still scanning the clipboard, as if his job were simply to deliver the message, not to care about the consequences.
Savannah's breath caught in her throat. "But I've been paying... I've made the payments." Her voice trembled, but she clenched her fists by her sides, not wanting to appear weak.
"Ms. Montgomery," Avery continued, his gaze still not meeting hers. "We've sent numerous warnings over the past six months. Unfortunately, we cannot extend the deadline any further. The total arrears must be paid in full by the end of the week. If not, we will initiate the legal process to take possession of the property."
Savannah felt the walls of her world begin to close in. She had been fighting so hard, sending out payment after payment, but life kept throwing curveballs, unexpected medical bills for her father, rising utilities, an old car breaking down. She had no savings left, no buffer to get through these types of situations.
Her eyes felt hot with the threat of tears, but she bit her lip to hold them back. No tears, she told herself. Not now.
"Please, is there anything I can do?" Her voice was more desperate than she wanted it to be. She wasn't begging, at least, she didn't want to be. She wanted to be strong. But what else could she do? Everything she had worked for, everything she had struggled to keep together, was about to be ripped away.
Avery shifted slightly, his gaze flicking up to meet hers for the first time. His expression didn't soften, but there was a faint glimmer of something, perhaps sympathy, perhaps indifference. It was hard to tell. "Your options are limited, Ms. Montgomery," he said. "You can pay the arrears in full, or you can arrange a payment plan with the bank. If neither option is feasible, we will proceed with foreclosure. You have one week to make the necessary arrangements."
"Payment plan..." She repeated the words, as if trying to hold on to the faint thread of hope they offered. But deep down, Savannah knew that even a payment plan would be impossible for her. She had no savings left, no way to come up with the funds.
She stood there for a moment, stunned, as Avery turned to walk away. But before he reached the sidewalk, he stopped and glanced back, his voice slightly lower this time.
"I suggest you act quickly, Ms. Montgomery. The next step, if no arrangements are made, is legal action. You have seven days. Good luck."
And with that, he walked off, leaving Savannah standing in the doorway, the envelope still in her hand, the weight of her entire world pressing down on her chest. The house, the only thing she had left from her mother, the only stable place in her life, was slipping away from her.
She stood there for what felt like an eternity, staring at the empty street. Her mind was reeling, her thoughts fragmented. Seven days. Seven days to come up with the money. But how?
The answer was simple: she couldn't. Not on her own. Not with the bills piling up, her father's medical expenses, and the never-ending cycle of debt that seemed to grow faster than she could ever keep up with.
The tears she had been holding back finally started to fall, but Savannah didn't move. She didn't know what to do, where to turn, or even who to call anymore.
Her phone buzzed in her pocket, breaking her reverie. Startled, she pulled it out, expecting a call from one of the creditors. But instead, it was a text from her best friend, Rachel.
"Hey, want to grab coffee later? Let me know what time works for you."
Savannah stared at the message, her heart sinking. She couldn't tell Rachel. She couldn't let her in on this, at least, not yet. She wasn't ready to admit how close she was to losing everything. She wasn't ready to burden anyone with her mess.
Not yet.
Instead, she quickly typed back, "Sounds good! I'll text you later."
But even as she pressed send, she knew deep down that she had no more time to waste. The clock was ticking, and the weight of her situation was suffocating. In seven days, she would lose everything.
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