Debt Collectors
The knock doesn’t sound like a knock. It's like a countdown. Three sharp hits against the door, precise and patient, already know I'm here, already know I can't pretend I'm not.
I get halfway through folding the last of my clothes, if you can call it that. It's more about which parts of my life I can take when everything else is taken. The apartment has a cold, coffee-like, slightly metallic aroma. Fear, maybe. Or simply the length of time that passes in silence.
The knock resounds again. Slower this time. Deliberate.
My chest tightens. I don’t need to check the time. I know I'm late already.
I push myself toward the door anyway. Every step is heavier, as if the floor is holding me back, as if even the walls know what lies beyond.
A voice calls out through the wood, “Elias Vane.” Smooth. Polished. Not loud, not threatening—worse than that. Certain.
My fingers hover on the handle. For a second—just one—I consider it. The window. The fire escape. The maze of streets below. Disappearing. Becoming no one.
But no one doesn't have debt.
And I owe too much.
I open the door.
Two men are standing there, dressed as if they came from another world, with tailored suits and dark coats, and no wrinkles to be seen. They don't notice the peeling paint or the cracked tile. They don’t need to. Their eyes are on me. Measured. Evaluating. I'm already someone who belongs to them.
“Miss Vane,” the taller one says, offering a polite smile that doesn’t reach his eyes. “Well, we were starting to wonder if you were going to respond.”
“Oh, I was busy,” I say. It sounds thin. Unconvincing.
His eyes wander over me, over the empty shelves, the half-filled bag, the half-empty life. “Yes, of course you were.”
The second man moves slightly. He doesn’t smile. Doesn’t speak. Just watches. As if he's memorising me. I'm already in a folder under owned.
“What do you want?” I ask.
The taller one pulls a thin envelope from his coat. Cream-colored. Heavy. Expensive. It doesn’t belong here. “We’re here regarding your outstanding balance.”
My throat tightens. “My balance is known to me.”
“Do you?” His head is tilted slightly. “Our records indicate that there have been repeated delays, broken agreements, and missed deadlines.”
Slow landing of each word. Precise. They have been honed for me.
“Give me more time.”
It's quieter than I would like. Smaller.
He's looking at me as if he's making a decision. My whole life is contained in whatever answer he gives next. “Time,” he says softly, “is the one thing you’ve run out of.”
Silence presses in. Heavy. Final.
“There has to be something,” I say. “Another plan. Another extension. I can work—”
“Those are all the options you have used.”
“There's another way.”
“You’ve tried.”
“I’ll try harder.”
A flash of light passes over his face. Not sympathy. Something colder. Familiarity. He's seen this happen more times than he can count.
He stretches the envelope out to me. “There is one alternative.”
I stare at it. It is heavier than paper should be. Like it already knows what it is. “What is it?”
“A solution.”
“That's not a solution.”
“That's up to you.”
I don’t move. He doesn’t rush me. Men such as these don't. They don’t need to.
My hand rises in the end. The envelope meets my fingers. Smooth. Cold. Final.
For a moment, I just hold it. As long as it remains closed, none of this is real. I still have choices; I still have choices.
“Go on,” he says quietly.
I put my finger under the seal and open it.
There is one card inside. Black. Minimal. Elegant. It's like holding a dangerous object.
I turn it over. An address. A date. A time. Nothing else. Except for one line below it.
*Attendance is mandatory.* My stomach twists. “What is this?” “A chance,” the taller man says.
“For what?” “To pay off your debt.” The words don't sound real. “How?” “That will be explained upon arrival.”
I look down at the card again. I don't know the address, but there's something about it that feels… off. Too clean. Too precise. As if it's hiding something.
I tell him, “I'm not going.” I say the words, but they don't feel like they're solid.
The silent man finally speaks. His voice is low. Calm. Certain. “You will.”
I see him for the first time in my eyes. There’s no anger there. No threat. Just quiet certainty.
But somehow, that's worse.
“You don’t have a choice,” he adds.
The truth goes to the depths. Heavy. Unavoidable.
Because he’s right.
I don’t.
The taller man moves away, smoothing his coat as if it were just another visit, another name on a list. “Come on by,” he says.
They turn, and they walk away. No raised voices. No force. No hesitation. They don't require any of it.
The door slides quietly shut. The click sounds louder than it should.
I stand there, looking at the card in my hand. The apartment seems smaller now. Colder. It's already letting me go like it.
My fingers clench around the edges, pressing into my skin.
A chance, he said. A solution.
But there's something in my bones that won't stop talking.
This isn’t a way out.
It’s a door.
But as I look at the address again, something changes, something I didn't see before.
A second line.
So quiet I can barely hear it, it's written in the black like a secret to be kept.
My breath stops as I bring the card closer to the light.
There is a name below the address.
A name that I haven't heard in a decade.
A name I vowed I would never encounter again.
Silas Vane
Then the debt is not the thing I'm most afraid of anymore.