PLASTIC GODS
A Rich Coleman Novel
Volume 2
by
WILLIAM MANCHEE
Top Publications, Ltd.
Dallas, Texas
PLASTIC GODS
©) COPYRIGHT
William Manchee
2003, 2004
Cover Design by Alexander Braginsky
Top Publications, Ltd.
Dallas, Texas 75251
ISBN 978-1-935722-30-4
Library of Congress # 2003094838
No part of this book may be published or utilized in any form or by any means, electronic or mechanical, including photocopying, recording or information storage and retrieval systems without the express written permission of the publisher.
This work is a novel and any similarity to actual persons or events is purely coincidental.
Plastic
They came from everywhere
Over here, over there
The mail, the phone, the mall
Unsolicited, one and all
Get them one, two, or ten
Don’t wait—just grab a pen
It’s a simply wonderful game
All you do is sign your name
Now jump for joy, and yell hooray!
Cause baby they’re on their way
Dillards, Penneys to name a few
Visa, MasterCard, and Amex Blue
You can live the American dream
Stand up now and let out a scream
Buy it now, no money down
You’ve got credit all over town
Sit back and watch your dreams come true
Don’t worry, only pennies due
For Moses it was manna provided by the Lord
No need to sit around the house so bored
Now it’s silver, gold, and platinum too
Macy’s, Sears to name just two
Cars, clothes, a ten-day cruise
Gambling, clubs, and lots of booze
You’ve got it all and then some more
Until the bills flood in the door
It cannot be, I didn’t spend that much
Just a few odds and ends and such
Eighteen, twenty, twenty-four
Interest, interest, bills galore
Oh my God, it’s all a scam
To steal my life, I’m in a jam
Collectors calling day and night
My balances clear out of sight
I can’t sleep or think
Go to work, eat or drink
My lover scorns me, yells, and screams
God, what happened to my dreams?
Letters come demanding blood,
Tears from my face do flood
My lover’s gone, couldn’t take the heat
I’m here alone, tired and beat
Is all that’s left bankruptcy?
What was my sin? Idolatry
I see it now, clear as glass
I fell in love with cold, hard cash
Visa, MasterCard, Amex Blue
Lucifer got his due
Chapter 1
Love at first sight must run in the family. My son Matt had just revealed to me his plans to marry a girl he had just met. Matt and Lynn fell in love just hours after meeting at a New Year's Eve party at the Hotel Continental in Dallas. It was January 2004, just 22 years since Erica and I had been married. We had fallen in love almost immediately too, however, our circumstances were such that we had to keep our love a secret. The illicit affair was eventually discovered and the consequences were severe.
We survived somehow and were still deeply in love. I’d been practicing law as a sole practitioner in North Dallas. I had started my career with a small firm and made partner in record time. My life was perfect until my wife died in a car wreck. I was devastated and quickly turned to alcohol to forget my loss. Fortunately, a friend helped me get through those most difficult times and I put my drinking behind me. The loneliness persisted, however, and I frequently fell into a deep depression.
This loneliness made me vulnerable to Erica, and perhaps it was the emptiness in Erica’s life that drew her to me. Her mother had deserted her when she was fifteen and, when she was just beginning to adjust to that loss, her father was killed in a skiing accident.
Erica was indeed an extraordinary young woman—smart, sexy, confident, and determined to get whatever she wanted. Our illicit affair led to my expulsion from the firm, the death of Erica’s Aunt Martha, and Erica’s trial for murder. We are still very much in love and, despite everything, have few regrets.
Erica and I have two children, Matt and Ryan. Matt was the eldest and during his childhood he never indicated any desire to be an attorney. We were shocked during his junior year in college when he announced he was applying to law school. It's not that I wasn't delighted, as any father would be, to have his son follow in his footsteps, it was just so unexpected. Matt always said he would never become a lawyer because he didn't want to have to work as hard as I did. There had to be an easier way to make a living with less stress and more time to spend with the family.
I couldn't really argue with him about that since I was working eighty hours a week trying to keep up with more than a hundred cases. So what was it that changed his thinking? In my mind it was the money. Money had always been the most important motivating factor in Matt's life. He inherited that mind set from his mother. When he was young, she would bribe him with a quarter here, a dollar there, in order to get him to do what she wanted with the least amount of resistance. It worked very well; in fact, so well that he began to expect a cash reward for almost everything he did. At some point we had to put a stop to that practice. It was at age eighteen when he went off to college that I jolted him with the fact that someone else would have to reward him in the future for his hard work.
It took a little adjustment, but when he entered Southern Methodist University in Dallas his clear objective was to get a business degree and then go to graduate school to get his MBA. In his mind once he got his MBA he could find a lucrative job where he could live high with the least amount of effort. Unfortunately, the business classes were difficult and tedious with no immediate reward, so he soon switched his major to political science, something that came naturally to him and required only a modest effort.
I don't know where he got it, certainly not from me or his mother, but Matt was very fortunate to acquire a tremendous thirst for knowledge. I'm no psychiatrist, but I always thought it came from his high ego and competitive spirit. He couldn’t stand for anyone to be more knowledgeable than he. He loved to spout off esoteric facts to people and watch their expressions of surprise or dismay. He'd spend countless hours reading books and devouring magazine articles—fascinated by the world in which he lived and anxious to tell everyone what he had learned.
Matt loved to argue and debate with anyone who dared to do battle with him. He rarely lost, which made finding opponents difficult. His brother Ryan was his fiercest adversary. Ryan was as intelligent as Matt but had completely different values. He cared little about money and material things. Needless to say dinnertime conversation often got very intense.
The one thing they had in common, however, was their love for fantasy, warfare, and science fiction. They spent countless hours engaged in mock combat, whether it was Risk, Dungeons and Dragons, Civilization, or countless other games. To get an advantage over the other they studied the theories and exploits of Machiavelli, Alexander the Great, Genghis Khan, Napoleon, and Rommel. Although Ryan held up better than most, Matt almost always prevailed, not so much due to his ruthless, relentless attack, but more on account of his thorough preparation for battle.
/> He liked to dazzle his friends with his incredible knowledge of history. He loved the reactions he got when he spouted off some detailed facts about historical events or ancient rulers. He would exaggerate at times, which hurt his credibility. As a result, many of his young opponents were lured into thinking him a charlatan and thus dismissed him as a serious threat. This usually gave him a competitive advantage as he wasn't seriously challenged before his armies were mobilized, fully equipped and ready for battle.
His mother and I were usually amused when he'd bring a new friend home to play one of his games. They'd be smiling and giggling when they arrived but invariably would leave with long, sullen faces.
Despite what I've said, those who got to know Matt would tell you he had a good heart and would go to great lengths to help his friends. He was very sociable, loved to talk with anyone, and never forgot a name. He seemed to need approval and acceptance and would go to great lengths to get it. Although he had a tough facade, he genuinely cared about people and wanted to help them.
After hanging out my shingle, I decided to specialize in financial and estate planning. The publicity I had received from Erica’s trial had gotten me a lot of exposure and made me a hot commodity. Unfortunately, when the economy cratered after the big banking scandal in the mid-eighties, so did my practice. After that debacle, I decided I needed a second specialty that would do well when times were bad. The obvious pick was bankruptcy. The hedge worked very well and my bankruptcy business grew to the point that it now comprised more than 45 percent of my annual billings. Most of this growth came as the result of quick and efficient handling of the vast amount of paperwork needed for the average bankruptcy. This was made possible by new computer software that took care of the math and preparation of schedules. While most attorneys needed two or three appointments to finish a bankruptcy, I did it all at the first appointment.
I learned early on that 80 percent of the bankruptcies that came through the door were nearly identical. This allowed me to have substantial portions of the paperwork preprogrammed on the computer before the client stepped into my office. This quick processing delighted clients and baffled my competition. With efficiency came volume and with volume came nice profits.
My office was located on the 18th floor of One Main Place just two minutes from the Earl Cabell Federal Building where the United States Bankruptcy Court for the Northern District of Texas was situated. This was an ideal location for a bankruptcy practice and made it easy for me to run to court or attend creditor meetings held by the trustee. Matt didn't like the location since he lived in Carrollton, which was 15 miles away. It was late January and Matt had come into my office to tell me he’d fallen in love.
"She's a senior at SMU, a marketing major—we met at a party."
"Sounds interesting. Tell me about her."
"She's a brunette, medium height, great body, and she’s got a head on her shoulders. She wants to go into advertising. You and Mom are going to love her."
"That's a good field. What's her name?"
"Lynn . . . Lynn Lakey."
"So when do I get to meet her?"
"In just a few hours. She's coming by to go to lunch. Why don't you come along?"
"No, you guys go ahead. I've got to get ready for a mediation tomorrow morning."
"We'd really like to talk to you."
"About what?"
"About what in the hell I'm going to do with my life."
"Why would you want to discuss something like that with a girl you just met?"
"It's going to affect her too."
"How do you mean?"
"She’s the one, Dad."
"But you just met her."
"I know, but I've never felt this way about a woman before. You know how sometimes you're looking for something but you don't know exactly what it is? All you know is you hope you recognize it when you see it."
"Yes, I do."
"Aside from all the sexual feelings I was getting from Lynn there was something else. I couldn't figure out what it was until it finally hit me."
"What was that?"
"Relief. For years I've been looking for the right woman without success, but after twenty-four hours with Lynn suddenly I felt calm and contented. I think the search is over."
"That's how I felt when I met your mother. . . . I hope it’s true. I can't wait to meet this woman. She must be something else."
"She is—she's dynamite."
"Good. . . . Well, I've got a client waiting for me, but I will definitely see you for lunch."
Matt went into his office and started to work on some discovery that he had to get out. While he was working, he found himself looking out his window toward SMU. He could see Moody Coliseum on a clear day and he wondered where Lynn was and what she was doing. The morning dragged on and he had trouble concentrating. Finally, it was time for lunch. Matt and I met Lynn at the Peking Palace in the underground city beneath One Main Place. It was crowded so we had a drink while we waited. Matt excused himself to make a phone call.
"So you two enjoyed the New Year’s Eve party, huh?" I said.
"Yes, it was wonderful," Lynn replied. “I’ve never seen so much confetti. I think it was knee deep."
“Really?”
“Yeah, the hotel had an atrium and they had it loaded in nets high above us. I didn’t notice it until they dumped it on us at midnight.”
Rich shook his head. “Well, it's going to be an exciting year, I think, with technology advancing as rapidly as it is. It seems like every day I pick up the newspaper and read about some incredible new invention."
"I know."
"Just today I was reading about the new Smart Card. I guess we won't be using checking accounts much longer."
"That's right, we've been learning about that in one of my finance classes. Everything's going to be automatic. No checks or deposits. On payday you just run your Smart Card through the company scanner and it credits your account. All transactions will be instantaneous. No more hot checks or overdrafts."
"I hope I don't ever lose my card. What a disaster that would be."
"Really."
Lynn looked toward the phones and saw Matt returning. She smiled at him as he approached and sat next to her.
"So have you made a decision about what area of the law you want to practice?" I asked.
"As a matter of fact we have. That's what I wanted to talk to you about. I've been telling Lynn how I planned to be a PI attorney until Congress and the state legislature spoiled that idea."
"You can still make a living practicing personal injury law. It's just not as lucrative as it used to be."
"Well, I want to make a ton of money. I didn't spend seven years busting my ass to become an attorney just to make a living. I want to be financially independent. A lot of lawyers manage to do that, so there's no reason why I can't do it too."
"You just graduated from law school, for godsakes. Don't you think it’s a little unrealistic to think you can get rich overnight?"
"Maybe," Matt replied. "But you gotta think big, particularly if you love money the way I do. I plan to have a lot of it."
Matt’s obsession with money bothered me but there wasn’t anything I could do about it. Erica had come from a wealthy family and was used to living well. Matt had acquired all her tastes and desires. Erica had an appreciation for the finer things of life. This had cost me plenty, but it was the price I had to pay for the woman I loved.
I said, “Are you listening to this, Lynn? You sure you want to get involved with such a greedy young man?"
"Actually, I like Matt's thinking. Why not make as much money as you can?"
"Yeah, Dad. You always quoted the Bible to us: ‘Seek and ye shall find, ask and ye shall receive, knock and the door will be opened onto you.’ Am I wrong?"
"No," I said. "That's what the Bible says, but I don't think it applies to obtaining wealth."
"Why not? Haven't you noticed people who demand a lot usually get it? So why put u
p with anything but the best?"
"He's right, Mr. Coleman." Lynn said. "The law of concentration. You get what you focus on most. We studied that in psychology."
"Jesus, you two were meant for each other," I said. "So what area of the law is going to propel you to financial independence?"
"This will probably surprise you but I'm thinking I'll go into bankruptcy law."
I chuckled. "Bankruptcy? There's no money in bankruptcy."
"I don't know, Dad. Lynn and I have been talking and doing some research and it seems to us that bankruptcy is the most promising of any field of the law."
"How do you figure?"
"I've been studying the market," Lynn said, "and what's amazing is that more than 10 percent of the population is insolvent and delinquent on one or more of their debts but less than 1 percent file bankruptcy every year."
"Is that right?"
"Yes, so we have an incredible market. All we have to do is identify those people who are insolvent and get them to face reality. That's going to be my job, to get these people into the office so we can make them realize bankruptcy is their best move."
"People are proud and naturally optimistic. It's not easy to convince them to file bankruptcy,” I said. “Believe me. I've been playing this game for years. A lot of people say I'm the best damn bankruptcy attorney in Dallas, but I certainly haven't got rich from it."
"That's because you're not trying to get rich, Dad. You're just trying to make a living. You don't do any advertising with the exception of the Yellow Pages and you don't solicit business. That's why you only do two hundred or so bankruptcies a year. We think we can get a thousand with the right advertising campaign. That will give us gross revenue of more than one million dollars a year."
I shook my head and replied, "You're right. I'm not a damn TV Guide lawyer, if that’s what you mean. I'm a professional and I try to act like it. It's not right to peddle the law like a used car salesman."
"I disagree. As long as I provide competent services, which I will, then it shouldn't matter how I get my business. I think tasteful ads, whether they are in the TV Guide, on the radio or on television, are quite appropriate."
"Well if you've got it all figured out, why do you need me?"
"You know bankruptcy practice as well as anyone in Dallas. If we start bringing in a high volume of clients, we're going to have to gear up for it. We'll need a good staff and a system for getting the cases in and out as quickly and efficiently as possible. This is where we could use your help, Dad. Will you help us set up our operation?"
I frowned and said, "Why should I help the competition?"
"Because I'm your son."
"I’m not sure you understand how much paperwork is involved in bankruptcy practice. You can't just rush clients through. They all take a certain amount of time and attention. You have to do your due diligence to be sure everything you file is correct. Handling a thousand bankruptcies would be a colossal nightmare."
"We know that. That's why we need you to show us how to handle them as efficiently as possible. General Motors puts out a shitload of cars, but that doesn't mean they're all a pile of junk. You can have high volume and good quality at the same time if you're geared up for it. We need you to show us how to do that."
"Okay, okay," I sighed. "I'll help in any way I can."
"Good, we really appreciate it, Dad."
"So what's the game plan?" I asked.
"Well, once we have our systems and support staff ready, we'll launch our advertising campaign. I'm going to let Lynn explain what we have planned."
Lynn smiled and began explaining their plans with great eagerness and excitement. "Okay . . . There are ten local telephone books, three area books, and then the main Dallas directory. We plan to get in all of them but since they all come out at different times, it will take a full year to do it. To get us some immediate business, we plan to advertise in TV Week in the Dallas Morning News."
"Oh God, are you really going to do that?"
"Yes," Matt replied. "It's the only way to get some immediate business and since our overhead will be high it's absolutely necessary."
"I can't believe the Coleman name is going to be in the TV book."
"Oh come on, Dad. It's no big deal. A lot of good firms advertise in TV Week," Matt said.
"Anyway, after a few months, if the cash flow is sufficient, we'll do a few radio and TV spots," Lynn continued.
"It sounds expensive. Have you done a cost analysis?"
"Yes, it will be expensive, but our revenue should be at least five times our advertising dollar. It will all work out."
"Maybe eventually, but you may have negative cash flow for a while. How do you plan to fund the initial startup?"
"We can do some short-term financing if we need to," Lynn said. "We've got good credit."
"If you're wrong about this, you may be filing your own bankruptcy."
"Sometimes you've got to gamble," Matt said.
"I can understand you gambling, Matt, but I don't think you should drag Lynn into this. You've only known each other a few weeks. What if things don't work out between you?"
"I want to be in on it," Lynn said. "It's exciting and I want to be part of it."
"Lynn doesn't have to do this," Matt added. "No one is twisting her arm. She wants to do it and I’m glad she wants to be involved. It will make it that much more fun, and with her expertise, it will be more likely to succeed."
I leaned back, smiled, and said, "Well, I hope it works out."
"It will, Dad. Don't worry."
The waitress finally took us to a table and we sat down and studied the menu. Matt watched me intently, wondering if I was angry. I wasn’t—just frustrated because he was so naive and wasn’t being realistic. Unfortunately, being like his mother, he was stubborn and once he got an idea in his head there was no dissuading him.
"So, I want to bring Lynn home to see Mom sometime."
I looked up and smiled, "Sure, your Mom would like that, I'm sure. Why don't we all go out to dinner Saturday night?"
"Saturday?" Matt said and then looked at Lynn.
"That's fine with me," Lynn said.
"Good then, it's settled," I said. "Come by the house and we'll all go together. Do you like Italian, Lynn?"
"Oh, absolutely."
"Good, we'll go to Antonio's in Addison. How's that?"
"Good," Matt said. "That's a great place."
After lunch we went back to the office. It was cold and a light snow was falling. Lynn didn't have an overcoat so Matt held her close to him as we walked.
"Do you have classes this afternoon?" I asked.
"Just an ethics class at two."
"Ethics? I didn't know there were any ethics in advertising."
She laughed. "That's why they developed the course. Anybody who's a marketing major has to take it."
"I bet it's an interesting class," I said.
"It is. We get into some very heated debates sometimes."
As we approached the lobby to our office building Matt said, "Well, I'm going to walk Lynn to her car."
"Okay," I replied. "It was very nice meeting you, Lynn. I'm looking forward to going out with you for dinner."
"Yes, I can't wait to meet your wife. Matt has told me so much about her."
"Yes, Erica will be anxious to meet you too."
"Bye," Lynn said.
I watched them walk to the elevator still in shock over Lynn's sudden appearance in Matt's life. She was a delight and I could understand how Matt fell in love with her. I wondered what Erica would think of her.