The bulky guy then spoke, “Hi, I’m Judd, and this is Garvey,” he stated, in an accent that made him sound like a cowboy from one of the old movies.“Is yer here for red-blooded, redneck horsin’ around?” he asked with a chuckle.“Yeah,” I bravely answered, practically shitting myself.“Well, don’t juss sit there, pretty boy, hop out and let us good ol’ boys git our mitts on yer,” he said with a horny chuckle.As I got out of the vehicle I announced, “I’m Sandy.”“That’s a gritty name,” Garvey exclaimed before both men heartily commenced laughing at Garvey’s ‘erudite’ wit.“We always comes, prepared,” Judd then announced as I got led to the back of their truck.Once there, they had a dirty old mattress on the back of the jalopy.In an attempt at small talk, I asked, “What do you guys do?”“We is farmhands… And Garvey is also a horse whisperer,” Judd added with a sense of pride, as the two men enclosed on me.By now my olfactory sense had gone into overdrive, and Garvey, in particular, also. "Tom's description of the events tells me that you are in immediate financial trouble." Bill left me a hundred dollars; I think that was a math error on his part, he was always overdrawing our checking account." How long have you lived here? Tom says the house has a mortgage, that you're not renting." We moved here right after Shannon was born, the down payment was a wedding present from Bill and my parents. They co-signed the loan, too. In 1998, my parents died within a few months of each other. We refinanced then, got a lower payment, lower interest, and didn't have any cosigners." Twenty or thirty year mortgage?" My dad asked."Ten; but it's moot. I can't make the payments, even if it's got less than six years to go." Is the mortgage current, ie, are you in arrears in the payments?"Mary shook her head, "I don't know." Could you get the papers, and check please?" Dad said to her.A moment later she was back, crying. "All the bills for the last two months! He put them in a drawer.
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