with the ranch or Gus? Whatever the reason, Maggie was shaken up by it. He had so many questions that only Maggie could answer.
Maggie gently pushed the last comb into Dinah’s hair. The long strands hung about Dinah’s shoulders in soft waves. Then Maggie looked at herself in the mirror. She wore a soft cream-colored dress. It was probably the best she had short of the wedding dress that hung in her closet. Pulling her hair up and back, Maggie pinned it into place. She allowed strands to fall about her face. If she couldn’t talk Mr. Jones at the bank into extending her loan, she might just lose the ranch.
Tears stung the backs of her eyes. According to Lucas Dillon, the man Mr. Jones had sent out, Gus hadn’t paid the bank loan in three months. Mr. Dillon had said that if she didn’t get to the bank and make a payment today, Mr. Jones would have no choice but to foreclose on the ranch. The thought sped her up. It was already early afternoon. They had to hurry to town before the bank closed.
She bundled James up in a blue blanket and hurried Dinah out the front door. Clayton sat on the wagon, waiting. His horse, Bones, was tied to the back of the wagon. Maggie couldn’t help but notice that he was dressed in black pants and a white shirt and he’d traded out his brown work boots for shiny black ones.
“You ladies look very nice,” he complimented, jumping from the wagon. He scooped Dinah up and set her in the bed of the wagon. Clayton handed Dinah her rag doll. “You left Charlotte in the barn.”
“Thank you.” Dinah hugged the toy close to her chest.
Then Clayton turned and held out his arms to take James.
Maggie handed the baby over and allowed him to cradle James in one arm while assisting her with the other. Once she was seated, Clayton returned the baby to her and then climbed back onto the wagon.
He grinned over at her. “If I didn’t know better, I’d think we were headed to Sunday services, but since it’s not Sunday, I’m curious why you lovely ladies are dressed up.” Clayton clicked his tongue, and the mare started toward town. Bones followed.
“I need to go to the bank.” Maggie’s voice cracked. “It seems my foreman hasn’t been making the bank payments.” She looked down at the baby. Thankfully James had managed to sleep during the climb into the wagon.
Clayton’s jaw worked. “You left the bank business to Gus Fillmore?” he asked.
She nodded. “I was sick and the doctor told me to stay home. No trips to town. I trusted Gus to take the payments into town.” Maggie glanced over her shoulder and was pleased to see that Dinah was playing with her doll and didn’t seem to be paying attention to the adult conversation.
He blew air out. “And he didn’t do it?”
She turned back to face forward. “Mr. Jones sent one of the bank tellers to tell me. I don’t know what I’m going to do if he doesn’t give me more time to pay the bank the payments that are past due.” Maggie hated this. She didn’t want to tell Clayton all her problems but needed to talk to someone before facing Mr. Jones.
“How are you going to make those back payments?” he asked.
Maggie sighed. “I could sell a few head of cattle and maybe some of our horses.”
“And what about Gus? And the missing money?” His jaw worked, and Clayton’s blue eyes had turned to blue ice.
She sighed again. “I’ve been thinking about Gus.”
“And?”
“It’s my word against his. I have no proof that I trusted him with the money. I doubt I’ll ever see that money again.” Tears pricked her eyes, and she ducked her head. Gus had stolen her money, and she knew that he’d swoop in and take the ranch, as well.
Clayton nodded. When they arrived in town, he pulled up to the bank. “Would you like me to come in with you?”
Maggie felt like she should say no but heard herself answer, “That would be nice. Thank you.”
After setting the brake, Clayton jumped from the wagon. He helped Dinah down, then reached for James once more. Maggie swallowed hard as she took his hand. Warmth filled her hand and arm. The bank loomed above her, and she wanted to turn around and go home. Women shouldn’t have to face bankers who wanted to foreclose on their children’s inheritance.
Dinah took her hand and Clayton placed his hand at the small of her back. His strength seemed to come through his touch, and she walked into the bank with her head held high.
Mr. Jones was a tall man with wide shoulders, narrow hips and silver in his black hair. He strolled toward her the moment she walked through the door. “Good afternoon, Mrs. Fillmore. I’m glad to see you were able to make it to the bank on such short notice.” He held out his hand for her to shake.
Maggie waited for him to release her hand and lead them into his office before she spoke. As soon as the door was closed behind Clayton, who still held James, Maggie said, “Mr. Jones, I’m sorry that the payments weren’t made on the ranch. My foreman assured me that he’d taken care of them.”
Mr. Jones walked behind a large mahogany desk and sat down. “I trust you brought the payments with you.” He motioned for her to sit down in one of the two chairs in front of him.
Aware that he didn’t care why the payments hadn’t been made, Maggie sank into the soft leather. “No, sir. I didn’t.”
Mr. Jones folded his hands over the papers on his desk. “I trust you have the money.”
Maggie shook her head. “No, sir. I do not.”
“Then how did you plan on making the payments?” He looked from her to Clayton.
Clayton had moved into the room but hadn’t come any farther than the closed door. He held the baby in the crook of one arm and Dinah’s small hand in his other hand. His blue eyes were as hard as ice. Thankfully, Dinah hadn’t sensed his anger.
She cleared her throat to get the banker’s attention focused on her once more. When he looked to her, Maggie said, “Mr. Jones, I need time. Time to collect the money.”
He shook his head. “I’m sorry, Mrs. Fillmore, but I can’t give you more time. You have ignored my messages in the past and refused to come into town to straighten out the matter. I’ve left word with Gus and told him we needed you to come in. After three payments have been missed, we can no longer carry the ranch. You know that.”
Maggie felt her heart sink. She’d do anything not to break her promise to her late husband, even beg the banker to give her an extension. “Please, Mr. Jones. I need more time. Gus never told me of your requests. This is the first I’ve heard that the payments hadn’t been made, and I haven’t had time to get the delinquent funds gathered.”
He stood. “I’m sorry, Mrs. Fillmore, but if I don’t have the money by closing, we’ll have to foreclose. Maybe you could ask your late husband’s cousin for the money. Gus has shown great interest in the ranch. He’s a good man. I’m sure he’ll be willing to loan you the money.”
Maggie stood.
