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Chapter 7 - The Downfall BeginsWhile I was sipping iced sweet tea on my sun-drenched balcony in Charleston, watching the historic horse-drawn carriages clip-clop down King Street, the reality of my absence was finally crashing down on Stuart and Jennifer back home.

According to neighborhood gossip passed along by my former next-door neighbor, Mrs. Gable—who still called me every Sunday morning just to spill the local tea—the Hendersons had moved into the Victorian house within forty-eight hours of closing.

Stuart had driven over there unannounced on a Saturday morning, expecting to find the house vacant or occupied by a confused tenant he could intimidate. Instead, Professor Henderson had answered the door in paint-splattered overalls, politely informed Stuart that he was trespassing on private property, and threatened to call the police if he didn't remove his luxury SUV from their freshly paved driveway.

Stuart had reportedly lost his mind right there on the front lawn, screaming obscenities that half the neighborhood could hear.

Worse still, their personal financial house of cards was collapsing with catastrophic speed.

Unknown to me until Mrs. Gable filled in the blanks, Stuart and Jennifer had been living well beyond their means for years, funding their country club memberships, luxury European ski trips, and Jennifer’s designer wardrobe through speculative high-interest bridge loans. They had been entirely counting on my house sale proceeds—specifically the seven hundred thousand dollars they planned to skim after packing me off to Cedar Grove—to pay off their mounting debts before the interest rates ballooned.

Without my house, without my pension, and without any inheritance to pillage, their creditors descended upon them like a swarm of locusts.

The credit card companies sued first, freezing their joint checking accounts. Then the mortgage company initiated foreclosure proceedings on their suburban McMansion because they had missed three consecutive monthly payments while waiting for my equity payout.

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Stuart’s corporate job at the regional logistics firm also hit a snag; distracted by his impending financial ruin, he made a catastrophic accounting error on a major logistics contract, resulting in his demotion to a data-entry clerk with a fifty percent pay cut.

Karma, it turned out, wasn't just a concept. It was an efficiency expert.

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