It was the property insurance cancellation notice for non-payment from the previous month.
He had not just taken over a failing retail shop with declining foot traffic. He had taken over a commercial property with zero liability coverage sitting on land where he owed seventeen months of back rent, penalties, and interest that added up to sixty-two thousand four hundred and eighteen dollars.
His lawyer called me forty minutes later.
Calvin Rusk did not sound so confident this time around. He asked if we could set up a meeting for Tuesday morning to discuss a reasonable payment plan for the arrears.
I walked over to the kitchen window and looked out at the maple trees losing their last brown leaves to the wind.
“There is no payment plan, Calvin,” I said, leaning against the warm glass. “He can either wire the full amount by noon tomorrow, or he can pack his tools and clear the inventory out of my building by Friday at five.”
The line stayed silent for a long time, just the hum of the wire connecting us across town.
I hung up the phone without saying goodbye, picked up my coffee mug, and watched the delivery van pull away from the curb down the street.