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Chapter 17 - The Debt Still Owed

The silence after the tape stopped was unbearable.

No one spoke. No one even breathed properly. The faint hum of the cassette player sounded too loud in the stillness, like it didn't belong in the room anymore.

Audrey was the first to move. She stood up slowly, hugging herself. "That… that was a joke, right?"

No one answered.

Emma's father stared at the tape, his face pale. "I never listened to it all," he whispered. "I thought it was nonsense. Something someone recorded to scare us."

Elizabeth shook her head. "That voice wasn't human."

Lucas ran a hand through his hair. "So you're saying someone made a deal with… something?"

Emma spoke quietly. "Not someone. The house."

Mark laughed suddenly.

Everyone flinched.

"That's ridiculous," Mark said, pacing. "A talking house? A cursed tape? People disappear all the time. Clinton probably—"

He stopped mid-sentence.

His eyes glazed for a second.

"Mark?" Audrey asked.

He blinked rapidly. "What was I saying?"

"You were talking about Clinton," Audrey said slowly.

Mark frowned. "I don't remember that."

Fear rippled through the room.

Emma swallowed. "The tape said the first would be taken quietly."

No one argued.

Clinton hadn't screamed. He hadn't fought.

He had simply vanished.

Elizabeth's voice trembled. "And the last?"

Emma closed her eyes briefly. "The last won't be quiet."

A loud thud echoed upstairs.

Everyone jumped.

"My kids," Margaret whispered, already moving.

"They're still asleep," Emma said quickly. "Please—don't wake them."

Margaret hesitated, torn between fear and trust, then nodded stiffly.

Lucas paced. "Okay. Fine. Let's think. If this is a debt, who decides who pays?"

The room felt colder.

Emma answered slowly. "The pact wasn't completed. That means… it's unfinished business."

"So it just takes people?" Mark snapped.

"No," Emma said. "It waits."

Another flicker crossed Mark's face.

He rubbed his temples. "I feel… strange."

Audrey stepped back. "What do you mean strange?"

"I keep zoning out," Mark said. "Like something pulls my attention away."

Lucas swallowed. "Me too."

Elizabeth hugged herself tighter. "This is madness."

Emma's father looked around the room. "If this is real—if this thing expects payment—then why now?"

Emma held up the diary. "Because Christmas is when the promise was made."

Her father's shoulders sagged.

"I remember something," he said quietly. "My father used to say this house saved us once. During a winter when everything was falling apart."

Elizabeth stared at him. "You never told me that."

"I didn't think it mattered," he replied. "He said the house protected the family."

Emma's voice was firm. "Protection isn't free."

A soft sound came from the corner of the room.

The Christmas tree lights flickered once.

Then again.

Audrey whispered, "Please tell me that's normal."

No one answered.

Mark suddenly stopped pacing. He turned toward the tree.

Emma's heart slammed against her ribs. "Mark?"

He didn't respond.

He took a slow step forward.

"Mark," Audrey said louder. "Stop."

He blinked again, like waking from sleep. "Why am I standing here?"

Lucas grabbed his arm. "You walked over."

Mark pulled away sharply. "I didn't choose to."

The realization hit Emma hard.

It wasn't random.

It wasn't chaos.

The house was testing.

Learning.

Elizabeth's voice cracked. "So what do we do?"

Emma looked at the diary again.

One line stood out, one she hadn't fully understood before.

The debt may be paid willingly… or it will be taken.

Emma lifted her head.

"We can't let it choose," she said.

Everyone stared at her.

"What does that mean?" Margaret whispered.

"It means," Emma said slowly, "the final payment hasn't been decided yet."

A sharp knock echoed somewhere inside the house.

Not at the front door.

From the walls.

From within.

The lights dimmed briefly, then returned.

Audrey whimpered. "It knows we know."

Emma nodded. "Yes."

Lucas whispered, "Then it's waiting."

Emma's gaze moved to the staircase.

To the sleeping children above.

Her chest tightened painfully.

"It's waiting for Christmas morning," she said.

The clock on the wall ticked loudly.

2:48 a.m.

No one dared sit down.

No one dared sleep.

Because now they all understood the truth Emma had carried alone for too long:

The house wasn't finished collecting.

And before dawn—

Someone would have to decide how the debt would finally be paid.

And who would volunteer to pay willingly

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