
excerpt
The Loan
The Great Plains Bank
Great Falls, Montana
“Well hello, Mr. Hooper. My name is Donna Davis.
How can I help you?”
Joel had been in the bank once before when things were rough.
Heck, they were always rough. But now, with the power and the
telephone companies both putting him on “final notice,” Joel was
even more desperate than he was before. He had told Tanya about
the letters. All she could offer was that her and her dad often had
gone months without a phone, and last time she looked in the
fridge there really wasn’t much worth keeping anyways. Joel knew
that it wasn’t just about having his power and telephone cut off. For
him, this was just the tip of his financial woes.
But at least he was sober, and even though things weren’t looking
very good, there was a special spirit in his heart telling him
that he would be able to get through this especially rough time.
Joel wasn’t sure where that was coming from. Maybe from the
hills. Maybe the horses. Maybe Tanya. Maybe Cindy. Whatever
the source, it was much better than the black ugly place his mind
would have taken him if he had been drinking.
Joel’s previous visit to the bank hadn’t been a good experience.
Joel had left empty-handed and feeling more than a little abused. He
wasn’t looking forward to this return trip but he had run out of
options. Desperate was the word that best characterized Joel’s current
state of financial affairs. He was hoping that his persistence
would pay off and he would be rewarded for his second effort.






