“You should have thought about that before you taught your son to throw silverware at me,” I said quietly.

“He’s seven!” she shouted. “Kids do stupid things.”

“Kids repeat what their parents teach them,” I replied. “He called me ‘the help’ because you call me that.”

“I never—” She stopped. The silence crackled.

“You did,” I said. “And you know you did.”

She tried a new angle. “We’ve been tight on money. Marcus’s business—”

“Marcus bought a boat,” I cut in. “I saw the photos.”

Silence again.

“The notice will arrive this morning,” I continued. “You have ten days. Pay the full balance or I begin foreclosure proceedings. Those are your options.”

“You’re really going to make your niece and nephew homeless?” she whispered, voice turning soft, weaponized.

I felt something cold and hard settle in my chest.

“You’re really going to use your children like shields after teaching one of them to assault me?” I asked.

“A fork isn’t assault,” she snapped automatically.

“You’re their mother,” I said. “If you lose the house, that’s on you.”

I hung up.