Chapter 4 - The Mortgage Default Notice Arrives At Their Front Door
Before Daniel could dial his mother’s private cell phone number, a heavy thud echoed against the solid oak front door.
Emily walked over suspiciously, pulling open the entryway to find a heavy manila envelope lying on the welcome mat.
She picked it up, tearing open the thick paper seal to reveal official legal letterhead from First Greenwich Mortgage Corporation.
“Daniel... look at this,” Emily whispered, her voice trembling as she handed the formal document over to her husband.
Daniel scanned the bold heading, his face draining of all color until he looked like a ghost standing in his own foyer.
Notice of Intent to Foreclose and Accelerate Debt Due to Nonpayment of Scheduled Monthly Installments. “This has to be a clerical error. Mom covers this automatically every single month without us ever lifting a finger,” Daniel insisted frantically.
He grabbed his smartphone, tapping his mother’s contact card and pressing the call button with shaking fingers.
The line rang four times before going straight to voicemail, followed by an automated greeting indicating the subscriber was unavailable.
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“She’s not answering,” Daniel said, his heart hammering against his ribs as panic finally began to set in.
“Call her again! Drive over to her house right now before this gets completely out of hand!” Emily shrieked, losing her cool completely.
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