Showing posts with label foreclosures. Show all posts
Showing posts with label foreclosures. Show all posts

Tuesday, May 27, 2014

What We're Writing--Hank (and her new friends)




HANK PHILLIPPI RYAN: Jane and Jake? I know and love. Well, I don’t know all about them--they always surprise me, and I hope that continues. But one thing that always fascinates me, when faced with blank pages that I know have to somehow turn into pages of words, is whose story am I telling?

Yes, it’s Jake’s journey, and Jane’s journey, but in every book they have to encounter and connect with a world of mostly-new people. In my books you know you’re going to get Jakes partner Paul DeLuca, and ME Kat Richardson, and the gruff but effective Supe, Mona from downstairs, little Eli and his mom Neena who live upstairs, Jake’s imperious mother, and Jane’s cat Coda.

But to make a story, I have to find the new people. The new point of view characters who will make each book unique and compelling.  My books have five points of view—Jane’s and Jake’s—and three more. Three new people we have to care about, and wonder about, and try to decide whether they are good guys or bad guys. And wonder if they will make it through the book, right?

Their stories twist and turn together, and that’s the dramatic irony, right? Because each character only knows what they know—but you, the reader, knows all of it.  And that’s what creates suspense, and misperceptions, and mistakes, and danger.

I’ll divulge this:  as I begin each novel, I have NO idea.  What happens to them? Who’s good or bad? Their motives. It always emerges as a big surprise. (Um, so far.)

In TRUTH BE TOLD, (which comes out this fall and for which I JUST received arcs, so keep reading) I introduce three new main characters.

Here’s how you’ll meet one of them:

                 Chapter 4
Lizzie McDivitt typed out her name, letter by letter, on her new computer. Trying it out. Elizabeth McDivitt.  Elizabeth Halloran McDivitt. Elizabeth H. McDivitt. The admin types needed the wording of the nameplate on her new office door, and she had to choose. First impression, all that.
Would her bank customers be more comfortable with her as the crisp and competent Liz? Or the elegant and experienced Elizabeth? Maybe this was the time to become Beth, the friendly-but-competent Beth. The motherly Bess?
Possibly. Possibly. 
Lizzie stared at the computer screen, the cursor blinking at her. Decide.
Lizzie, well, that was a definite no. Lizzie was fine for her parents, and even for Aaron, but not here at the bank. ‘Lizzie’ sounded like the new kid, eager to please. Semi-true, of course, but not the image she needed. She needed…compassionate. Understanding. Her clients would be the needy ones, the out-of-work ones, the down-and outers who’d once had the assets to get a mortgage from A&A—but now had to scramble for refinancing and loan modifications.
She clicked her plastic ballpoint.
The bank had so much money. Her new customers had so little. 
Click. Click.
What would be the bad thing, she wondered, about making it a little more fair?
Click. Click.
Aaron was still out for lunch, she guessed. She thought of him, his curls, and that smile, and what he’d actually said to her that first day back by the old vault. Their “tryst” last night, that ended—way too late--with her finally saying “no” and cabbing it home. She shook her head, remembering her girlfriends’ advice. You have to stop being so picky or you’ll be alone forever. True, Aaron was more than cute. True, he had a good job. So, okay, maybe. Even though he wasn’t exactly
“Miss McDivitt? You ready for your one-thirty? Mr. and Mrs. Iantosca are here.” 
“Thanks, Stephanie,” she said into the intercom. She punched up the Iantosca’s mortgage loan documents, a series of spreadsheets, tiny-fonted agreements and the decisive flurry of letters stored on the bank’s in-house software. The green numbers that were entered several years ago had gone red last summer, then bold red in the fall, then starting around the holidays, black-bordered bold red. By now, mid-May, Christian and Colleen Iantosca were underwater and in trouble.
So they thought.
She took off her black-rimmed glasses, considered, put them on again.  Slicked her hair back, tucking a stray wisp into place. She checked her reflection on the computer monitor. Lipstick, fine. Portrait of a happy magna cum laude MBA.  Good job, her own apartment, a potential boyfriend—she clasped her hands under her chin, thanking the universe and embracing her karma.  Math geek no more. Future so bright, she ought to wear shades. 
Liz, she decided.  Compassionate, but knowledgeable. Approachable. And, starting today, starting now, Liz McDivitt was in control.


Here’s another:

MAYBE he looks like this??
Five more minutes. He’d give them five more minutes.
Aaron Gianelli waited on the front steps of the triple-decker, peeled the last of the waxed paper from his tuna melt wrap, took a final bite. A mayo-soaked glop narrowly missed his new cordovan loafer, landed on the concrete beside him. Too damn hot for a tuna melt, Aaron decided, too late, but this “meeting” was his only chance for lunch. He crumpled the paper, aimed, and hit the already-brimming dumpster over by the driveway.
His first score of the day.
If the others didn’t show up pretty damn soon, it’d be his only score.  That, he could not afford. He wondered how his partner was doing, at his meeting. They’d talk later. Compare notes. Not that there were notes.
  Standing, Aaron brushed the dust from his ass. Squinted out at Pomander Street. No cars. Nothing. They’d agreed to meet here 1:30. He checked his annoyingly silent cell phone. If they were going to be late, they should have called. If they were jerking him around, they’d be sorry.  But no biggie. He’d find other customers.
He’d parked his car down the street, left his suit jacket inside, thank god. It was brutal out here. He’d be a sweat machine when he got back to the office, but the AC would take care of that before anyone noticed. And Lizzie would believe whatever he told her.  He smiled. He loved Lizzie.
He patted his pockets, still smiling, feeling for the ring of keys. He’d go in without the clients, check it out.  House was empty, that was certain. The bank had made sure of that.
Aaron was still smiling. He loved the bank. 

And here’s new character number three.
    
                                                    Chapter 5
Sure, Christian Bale, why not? Ramona, what do you think?

“Good afternoon, gentlemen.” Peter Hardesty closed the interrogation room door behind him, plonked his leather briefcase on the metal table, held out a hand. He’d already heard the cops were calling this guy ‘The Confessor.’
Confessor or not, Gordon Thorley was innocent till proven guilty. And, like so many others Peter had represented, profoundly in need of counsel. In this place? Alone with a detective?  A legal minefield.
“Gordon Thorley?”
“Who’re you?” Thorley twisted in his folding chair, scooted it as far from Peter as the cinderblock wall would let him, metal scraping against concrete.  Thorley’s sallow skin stretched over sharp cheekbones, weary eyes too big. Peter could almost hear the guy’s brain shift gears. Surprise. Then fear. Then calculation. Thorley flickered a hard look at Peter, jerking a yellowed thumb in his direction. Spoke to the detective. “He a cop, too?”  
“Holy sh—how’d you get in here, Hardesty? Who called you? Mr. Thorley here hasn’t asked for a lawyer.”
Peter recognized the plainclothes detective in the weary brown suit and ugly tie--Detective Branford Sherrey. “Bing” Sherry. Veteran cop, beloved of the district attorney’s office, and remarkable asshole. Now he looked like he’d been socked in his shirt-straining gut. Sucks when the system works, Peter thought. When you have to provide legal advice to a nutcase who’s trying get himself a life sentence.  Justice. What a concept.

Liz, Aaron and Peter. Faithful  readers will know at least one of my point of view characters sometimes doesn’t quite survive the entire book. How do I decide who lives and who dies? How do I decide who is good and who is bad? I will tell you, that’s the magic.

Because—if I’m lucky--they tell me.

And JUNGLE RED BREAKING NEWS—The Agatha-winning THE WRONG GIRL is now an Anthony nominee! And huge hurrahs to Red Julia, whose THROUGH THE EVIL DAYS is also an Anthony nom! YAY!

And oh, yes, that ARC of  TRUTH BE TOLD!  Let’s see…just guess which of the three characters is still alive at the end of the book, and tell me in the comments. I’ll pick a winner at random!  (And I won't say if you’re right—but it’ll be fun to see later!

(And you’ll still buy the book, right? (Now available for pre-order!) No pressure, it’s just my career…..)

Tuesday, November 19, 2013

It's "What We're Writing" Week! Hank Tuesday



Continuing our new feature on Jungle Red: a week of posts on "What We're Writing." 

Hear the latest from:
Hallie Ephron Monday
Hank Phillippi Ryan Tuesday
Rhys Bowen Wednesday
Lucy Burdette Thursday
Deborah Crombie Friday
Julia Spencer Fleming Saturday
Susan Elia MacNeal Sunday 






HANK PHILLIPPI RYAN: I'm trying to remember whose brilliant idea THIS was.  Showing our works in progress? I certainly would ever have agreed to...well, okay. Because we're among friends. And remember, this is a first draft.
You know I'm a TV reporter in--I almost said "real life"--and the main character of my books is  a newspaper reporter. Well, now she is--after she got fired from her TV job for protecting a source. People ask me--does your crime fiction come from your day job? 


Yes. And no. What happens to Jane Ryland is not my non-fiction life made into fiction. But her stresses, her passion, her complications, her experiences, her desire for a great story and for justice--all that's true.
I've done many stories about the housing crisis--in fact, our investigations have resulted in people getting their homes out of foreclosure (that one won an Emmy) and millions of dollars in refunds. Hmmm. This new book, TRUTH BE TOLD, takes the knowledge I gained from that research--and polishes, twists, expands and imagines.

How far would a person go to keep their home? What would if feel like if someone tried to take it? Or DID take it? How much of ourselves is wrapped up in that place that houses our families and our possessions and our histories? 
That's what I thought about while I was writing TRUTH BE TOLD.  
(Can you picture this scene? And in line 2, do I need "tall"?) 
    

                           TRUTH BE TOLD 

“I know it’s legal. But it’s terrible.” Jane Ryland winced as the Sandoval’s wooden bedframe hit the tall grass in the overgrown front yard and shattered into three jagged pieces. “The cops throwing someone’s stuff out the window. It’s right out of Dickens, you know? Eviction? There’s got to be a better way.”
Terrible facts. Great pictures.  A perfect newspaper story.  She turned to T.J. “You got that, right?”
T.J. didn’t take his eye from the viewfinder. “Rolling and recording,” he said.
A blue-shirted Suffolk County sheriff’s deputy--sleeves rolled up, buzz cut-- leaned out a front window, taking a swig from a plastic bottle. He shaded his eyes with one hand.
“First floor, all clear,” he called. Two uniforms comparing paperwork on the gravel driveway gave him a thumbs-up.  The Boston cops were detailed in, they’d explained to Jane, in case there were protesters. But no pickets or housing activists had appeared. Not even a curious neighbor. The deputy twisted the cap on the bottle, tossed the empty out the window. The bottle bounced on top of a brittle hedge, then disappeared into the browning grass.
“Oops,” he said. “I’m headed for the back.”
“That’s harsh,” T.J. muttered.
“You got it though, right?”  Jane knew it was a ‘moment’ for her story, revealing the deputy’s cavalier behavior while the Sandovals—she looked around, making sure the family hadn’t shown up—were off searching for a new place to live. The feds kept reporting the housing crisis was over. Tell that to the now-homeless Sandovals, crammed, temporarily they hoped, into a relative’s spare bedroom. Their modest ranch home in this cookie-cutter neighborhood was now an REO—real estate owned by Atlantic & Anchor Bank. The metal sign on the scrabby lawn said “foreclosed” in yellow block letters. Under the provisions of the Massachusetts Housing Court, the deputies were now in charge.
“Hey! Television! You can’t shoot here. It’s private property.”
Jane felt a hand clamp onto her bare arm. She twisted away, annoyed. Of course they could shoot.
 “Excuse me?” She eyed the guy’s three-piece pinstripe suit, ridiculous on a day like today. He must be melting. Still, being hot didn’t give him the right to be wrong. “We’re on the sidewalk. We can shoot whatever we can see and hear.”
Jane stashed her notebook into her totebag, then held out a hand, conciliatory. Maybe he knew something. “And not television.  Newspaper.  The new online edition. I’m Jane Ryland, from the Register.”
She paused. Lawyer, banker, bean counter, she predicted. For A & A Bank? Or the Sandovals? The Sandovals had already told her, on camera, how Elliot Sandoval had lost his construction job, and they were struggling on pregnant MaryLou’s day care salary. Struggling and failing.  
“I don’t care who you are.” The man crossed his arms over his chest, a chunky watch glinting, tortoise-shell sunglasses hiding his expression. “This is none of your business. You don’t tell your friend to shut off that camera, I’m telling the cops to stop you.”
You kidding me?  “Feel free, Mr.--?” Jane took her hand away. Felt a trickle of sweat down her back. Boston was baking in the throes of an unexpected May heat wave. Everyone was cranky. It was almost too hot to argue. “You’ll find we’re within our rights.”
The guy pulled out a phone. All she needed. And stupid, because the cops were right there. T.J. kept shooting, good for him.  Brand new at the Boston Register, T.J. Foy was hire number one in the paper’s fledgling on-line video news department. Jane was the first –and so far, only--reporter assigned.
“Here’s a chance to show off your years of TV experience,” the Register’s new city editor had insisted. “Make it work.”
Pleasing the new boss was never a bad thing, and truth be told, Jane could use a little employment security. She still suffered pangs from her unfair firing from Channel 11 a couple of years ago, but at least it didn’t haunt her every day. This was her new normal, especially now that newspapering was more like TV. “Multi-media,” her new editor called it.
“We’re doing a story on the housing crisis.” Jane smiled, trying again. “Remember the teenager who got killed last week on Springvale Street? Emily-Sue Ordway? Fell from a window, trying to get back into her parents’ foreclosed home?  We’re trying to show--it’s not about the houses so much as it is the people.”
“‘The people’ should pay their mortgage.” The man pointed to the clapboard house with his cell phone. “Then ‘the cops’ wouldn’t have to ‘remove’ their possessions.” 
Okay, so not a lawyer for the Sandovals.   But at least this jerk wasn’t dialing.
“Are you with A&A? With the bank?” Might as well be direct.
“That’s not any of--”
“Vitucci! Callum!” The deputy appeared in the open front door, one hand on each side of the doorjamb as if to keep himself upright. He held the screen door open with a foot. His smirk had vanished.  The two cops on the driveway alerted, inquiring.
“Huh? What’s up?” one asked.
“You getting this?” Jane whispered.  She didn’t want to ruin T.J.’s audio with her voice, but something was happening. Something the deputies hadn’t expected.
“Second floor. Back room.” The deputy pulled a radio from his belt pouch. Looked at it. Looked back at the cops. His shoulders sagged. “Shit.” 

****************************************************

HANK: So it's at my editor now, and I'm waiting (with fingers crossed) for her thoughts. She always has terrific suggestions about how to make it better--and I cannot wait to hear them. Sidebar: I'm hearing from a couple of people that they loved THE WRONG GIRL--but had been apprehensive about reading it, since they were adopted or had family who had adopted--and thought it would be too disturbing. Did any of you think that?  Hey! No worries. It's true and honest and you'll like it. Really.