I unzipped the folder across my knees and took out the original vehicle purchase contract from seven years ago.

My signature was in dark blue ink on every line marked buyer, dated October fourteenth.

Stapled right behind the contract was the official state title certificate printed on blue security paper.

In the center box was the bank’s official lien release stamp from three years earlier, signed by the loan officer and marked zero balance.

My phone vibrated against my leg.

I answered on the second ring without moving the blue security paper.