At 2 P.M., I Walked Into My Parents’ Backyard Expecting To Pick Up My 8-

” he said, already shifting into legal mode. “Send me everything you have. I’ll review it before morning. Based on what you described, I can file a formal demand letter within forty-eight hours.”

“A demand letter?” I asked.

“It’s a legal request for repayment,” he explained. “Once delivered, they’ll have thirty days to pay you back. If they refuse, we continue reading …