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... ere mocking me. Notifications poured in like digital raindrops in a storm-each one a warning flare I couldn’t ignore. Six missed calls. Three emails marked URGENT. And one voicemail from a loan officer whose tone suggested he was ready to take not just my future-but my soul, too.

For a split second, I convinced myself it was a glitch. Some freak server error. Maybe spam. But then I tapped the first email.

Subject: Final Reminder - Payment Due Dear Ms. Miller, Please be advised th ...

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