Elberta. That wonât be necessary.â
Huffily Elberta rose and left, passing by a rather short man with sandy hair on her way out.
âGood afternoon, Miss Fairfax.â
âMr. Franks. Good of you to call. Will you have a seat?â
Franks looked around and then settled himself in the chair that Elberta had vacated. He had a case in his hand and balanced it on his lap, seemingly looking for words to say.
âIâm afraid you canât have very good news, Mr. Franks.â
âI wish I had better.â Franks shook his head. âIâve done everything I could. Mr. Smith and I have been going over the accounts, andââ
Sabrinaâs heart sank. She had had some hope that Mr. Franks, who had been a good friend of her father as well as his solicitor, had found some solution, but she found no hope on his face. âYou may as well tell me the worst. Iâll have to hear it sooner or later.â
âIâm afraid thatâs trueâand Iâm afraid it will be sooner.â
âIs it really so terrible?â
âIt couldnât be worse, frankly.â He opened his briefcase and pulled out several sheets of paper. âWord has gotten out of the failure of your fatherâs affairs, and several creditors have appeared. Your father made these loans but neglected to mention them to Mr. Smith.â He passed the papers over and sat silently while Sabrina stared at them. They amounted to a great deal of money.
She handed them back, saying, âWhatâs to be done?â
Mr. Franks shifted uneasily in his chair. He ran his fingers over the case, obviously embarrassed. âThings are very bad, Miss Fairfax. When something like this happens, creditors all converge. They all want their money, of course, and there is no money.â
âWeâll have to sell the estate, then?â
âThat is not possible. Itâs already mortgaged. Thereâs a second mortgage, as well. Iâm afraid there will be a terrible lawsuit between the two mortgage holders.â Franks went on speaking of the various loans that were out, and each one seemed to drive a nail into Sabrinaâs spirit. She finally interrupted him and said, âGive me the worst. Whatâs going to happen?â
âIâm going to try to salvage a little something so youâll have a small income, but your father was a gambling man. That doesnât come as a surprise to you, Iâm sure, but youâre going to lose this house. Thereâs no getting around that, and that includes the furnishings. And Iâm afraid most of the personal property, as well.â
Sabrina felt as if she had heard a door close, locking her in a dark, terrifying place. She had known little fear up to this time, but she was learning it now in a most terrible way.
****
For two weeks Sabrina had met almost daily with Mr. Franks or Mr. Smith. She did not tell her father the worst of it, but neither could she deceive him. He grew even paler and seemed to fall into a deep depression. Sabrina slept very little these days as she alternated between worrying about their financial lives and her fatherâs precarious health. She was able to do little.
Sir Charles Stratton visited her once each week, offering his condolences, but Sabrina was aware that their relationship had changed. It was not so much what Stratton said as his attitude.
When I was a wealthy woman, you were interested in me, Charlie , she thought as he left after his second visit. Now Iâm a poor woman, and youâve lost interest . As much as she had enjoyed Charlesâs company, the thought of losing him did not trouble Sabrina, for she could not picture a life with him.
One afternoon Mr. Franks came for one of his frequent visits. He fidgeted and spoke of the weather until finally Sabrina said, âWhat is it? More bad news, I suppose.â
âIâIâm afraid you and your father are going to have to vacate