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Chapter 7

Author: Shelley
The ruling came faster than I expected.

May 9th. I received the court's judgment.

The court found the loan relationship valid and ordered Rachel Holloway to repay the plaintiff, Nora Whitfield, the principal amount of $300,000 plus $18,000 in statutory interest within thirty days of the judgment taking effect.

Regarding the defamation claim, the court found that Rachel's social media posts contained false statements that damaged the plaintiff's reputation. Rachel was ordered to publish a public
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  • My Best Friend Owed Me Three Hundred Thousand Dollars   Chapter 10

    After that, my life slowly returned to normal.Every month, the court transferred two thousand dollars from Rachel's wages. I'd get a text notification when it hit.Month one: two thousand.Month two: two thousand.Month three: three thousand.Rachel had voluntarily added an extra thousand.Starting month four, she consistently paid three thousand a month.I never reached out to her. I never passed messages through anyone.The court's enforcement notices were our only point of contact.By the following spring, Megan mentioned something over dinner."Rachel switched jobs. She's doing sales at an export company now. Base plus commission. She made twelve thousand last month.""What does that have to do with me?""She asked me to tell you she'll finish paying as fast as she can."I picked up a piece of food with my fork. Didn't respond.Megan hesitated, then: "She also said... to tell you thank you."I looked up at Megan."Thank me for what?""She said, thank you for suing her."I didn't s

  • My Best Friend Owed Me Three Hundred Thousand Dollars   Chapter 9

    Once enforcement proceedings began, the court issued a wage garnishment order.Out of her $6,000 monthly salary, after deducting basic living necessities, the court garnished $2,000 per month toward the debt.At that rate—$308,000 plus the additional damages—she'd be paying for over thirteen years.Thirteen years.She was thirty. She'd be forty-three when it was paid off.That number was her own doing.If she'd paid $5,000 a month from the start, she would've been done in five years.If she hadn't gone to the Maldives, hadn't bought designer goods, hadn't hired a lawyer for a case she was guaranteed to lose, she would've had the money.But she decided it wasn't worth it.Not worth giving up three hundred thousand dollars' worth of lifestyle. Not worth swallowing her pride and apologizing to me. Not worth admitting she'd done something wrong.After the garnishment started, her quality of life plummeted.According to Megan—she'd moved out of her apartment and into a run-down studio, eigh

  • My Best Friend Owed Me Three Hundred Thousand Dollars   Chapter 8

    In the first week after the judgment was entered, she vanished from the internet.Instagram went dark. Twitter account deleted. All other social media set to private.But she didn't actually go quiet.On the ninth day, I got a call at work from an unknown number. A man's voice. Said his name was Brandon Cole, Rachel's boyfriend."You're Nora Whitfield, right? I know all about Rachel's situation.""If she has something to say, she can communicate through her lawyer.""Just hear me out. Rachel is in a really bad place right now. She cries every day, says she doesn't want to live anymore. You're pushing her too hard. Can't the money situation be negotiated?""The court has ruled. There's nothing to negotiate.""You really need that thirty grand that badly? three hundred thousand dollars for a human life—can you live with that responsibility?"My grip tightened on the phone."So she owes me money, refuses to pay, and somehow she's the victim?""That's not what I'm saying, but you're backin

  • My Best Friend Owed Me Three Hundred Thousand Dollars   Chapter 7

    The ruling came faster than I expected.May 9th. I received the court's judgment.The court found the loan relationship valid and ordered Rachel Holloway to repay the plaintiff, Nora Whitfield, the principal amount of $300,000 plus $18,000 in statutory interest within thirty days of the judgment taking effect.Regarding the defamation claim, the court found that Rachel's social media posts contained false statements that damaged the plaintiff's reputation. Rachel was ordered to publish a public apology and pay $10,000 in emotional distress damages.Total: $328,000.Attorney Davenport sent me a scan of the judgment with one line: "Once the appeal window passes and she doesn't comply, we file for enforcement."Rachel's reaction to the judgment was more extreme than I'd anticipated.That evening, she updated Instagram with a single line—"People's hearts are colder than loan sharks."Dozens of comments underneath, but this time the tide had turned.Someone had seen a screenshot of the jud

  • My Best Friend Owed Me Three Hundred Thousand Dollars   Chapter 6

    April 17th. Overcast. No rain.I wore a black blazer. Attorney Davenport drove me to the courthouse.In the waiting area, I saw Rachel.She'd hired a lawyer too—a young guy who looked barely out of law school, clutching a stack of papers, visibly nervous.Rachel was sitting in a chair. When she saw me, she stood.She wore a gray dress, hair pulled back in a ponytail—nothing like the polished girl from her Instagram posts.She started walking toward me. Her lawyer pulled her back.Once the hearing began, the judge verified both parties' identities.Then it was time for the plaintiff's statement.Attorney Davenport submitted all the evidence in order—the original IOU, bank transfer records, Venmo transaction history, authenticated copies of text conversations, collection attempt screenshots, and screenshots of the defamatory Instagram posts."The plaintiff and defendant are college classmates and longtime friends. On May 12th of last year, at approximately 2 a.m., the defendant contacted

  • My Best Friend Owed Me Three Hundred Thousand Dollars   Chapter 5

    The trial was set for April 17th, a Wednesday.In the two weeks leading up to it, Rachel didn't contact me directly.But she never stopped maneuvering.First, my mother got a call from an unknown number. The woman said she was Rachel's mother."Mrs. Whitfield, my Rachel and Nora have been close since they were girls. She made a mistake—she knows that. Could you talk Nora into dropping the case? We can work out the three hundred thousand."My mother didn't know the full story. She called me.I told her everything, start to finish.Ten seconds of silence on the line. Then: "Sue her. No negotiating."Rachel's mother called twice more. Each time, my mom gave the same answer: "This isn't something I can help with. Take it up with the court."On the third call, Rachel's mother finally lost it, screaming into the phone: "Your family just uses money to bully people! My Rachel took care of your daughter for years, and now she's stabbing her in the back? Karma's coming for her!"My mother hung u

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