The Rooster Bar

4

She met them at the stoop in front of the building and they followed her up the stairs to her apartment on the second floor. When they were inside she closed the door and thanked them for coming. She was obviously worried, almost frantic.

“Where is he?” Mark asked.

“Over there,” Zola said, nodding toward the hall. “He won’t let me in and he won’t come out. I don’t think he’s slept much in the past two days. He’s up and down and right now he’s bouncing off the walls.”

“And no meds?” Todd asked.

“Evidently not, at least none from the pharmacy. I suspect there’s some self-medicating going on.”

They looked at one another, each waiting for someone to make the next move. Mark finally said, “Let’s go.” They stepped across the hall and Mark knocked on the door. “Gordy, it’s Mark. I’m here with Todd and Zola and we want to talk.”

Silence. Springsteen could barely be heard in the background.

Mark knocked again and repeated himself. The music died. A chair or a stool was kicked and fell over. More silence, then the doorknob clicked. A few seconds passed, and Mark opened the door.

Gordy was standing in the center of the cramped room, wearing nothing but an old pair of yellow Redskins gym shorts, the same pair they had seen a hundred times. He was staring at a wall and ignored them as they eased into the room. To their left, the kitchenette was a wreck with empty beer cans and liquor bottles left in the sink and strewn along the counters. The floor was littered with paper cups, used napkins, and sandwich wrappers. To their right, the small dining table was piled high with papers in random stacks around a laptop and printer. Under it, the floor was covered with papers and files and discarded magazine articles. The sofa, television, recliner, and coffee table had been shoved as tightly as possible into one corner, as if to clear everything away from the wall.

The wall was a maze of white poster boards and dozens of sheets of copy paper, all arranged in some crazed order and secured with colored pushpins and Scotch tape. With black, blue, and red markers, Gordy was in the process of piecing together a gigantic corporate puzzle, some grand conspiracy that led to the ominous faces of a few men at the top.

Gordy appeared to be staring at the faces. He was pale and emaciated and had obviously lost a lot of weight, something Mark and Todd had not noticed two weeks earlier during final exams. He was an athlete who loved the gym, but the toned muscles were gone. His thick blond hair, the source of immense vanity, was stringy and had not been washed in days. Sizing him up, and taking in the condition of his apartment, they knew instantly that their friend had gone over the edge. They were in the presence of a manic artist, secluded and deranged and hard at work on an enormous canvas.

“What’s the occasion?” Gordy asked as he turned and glared at them. His eyes were sunken, his cheeks hollow, his beard a week old.

“We need to talk,” Mark said.

“Yes we do,” he said. “But I’m doing the talking because I have a lot to say. I’ve got it all figured out now. I’ve caught the bastards and we have to move fast.”

Tentatively, Todd said, “Okay, Gordy. We’re here to listen. What’s up?”

Gordy pointed to the sofa and calmly said, “Please have a seat.”

“I’d rather stand, Gordy, if that’s okay,” Mark said.

“No!” he barked. “It’s not okay. Just do as I say and we’ll be fine. Now sit down.” He was snarling, suddenly angry, and seemed ready to throw a punch. Neither Mark nor Todd would last ten seconds in a fistfight with Gordy. They had seen two in their law school days, both quick knockouts in bars with Gordy still on his feet.

Todd and Zola sat on the sofa and Mark pulled a stool over from the snack bar. They stared at the wall in disbelief. It was a maze of flowcharts with arrows jutting in all directions and linking together dozens of companies, firms, names, and numbers. Like schoolchildren who’d just been admonished, they sat, waited, and absorbed the wall.

Gordy stepped to the dining table, where a half-empty fifth of tequila was in the works. He poured some into his favorite coffee cup and sipped it as if having tea.

Mark said, “You’ve lost a lot of weight, Gordy.”

“Haven’t noticed. I’ll get it back. We’re not here to talk about my weight.” Holding the coffee cup, and evidently giving no thought to offering his pals anything to drink, he stepped to the wall and pointed to the top photo. “This is the Great Satan. Name’s Hinds Rackley, Wall Street lawyer turned investment crook, worth only four billion, which barely gets the poor guy on the Forbes list these days. A lesser billionaire, I guess, but nonetheless one with all the toys: Fifth Avenue mansion with a view of the park, big spread in the Hamptons, a yacht, couple of jets, trophy wife, the usual. Law school at Harvard, then a few years with a big firm. Couldn’t fit there so he hung out his own shingle with a few buddies, merged here and there, and now he owns or controls four law firms. As billionaires go, he’s rather shy and loves his privacy. Operates behind the veil of a lot of different companies. I’ve only tracked down a few but I’ve found enough.”

Gordy was talking to the wall, his back to his audience. When he lifted his cup for more tequila, the indentions between his ribs were visible. His weight loss was astonishing. He spoke calmly now, as if spouting facts he alone had uncovered.

“His main vehicle is Shiloh Square Financial, a private investment operation that also plays with leveraged buyouts and distressed debt and all the usual Wall Street games. Shiloh owns a chunk of Varanda Capital, how much we don’t know because their filings are bare-bones, everything about this guy is deceptive, and Varanda owns a chunk of Baytrium Group. As you might know, Baytrium owns, among many other companies, our dear Foggy Bottom Law School. Us and three others. What you don’t know is that Varanda also owns an outfit called Lacker Street Trust, out of Chicago, and Lacker Street owns four other for-profit law schools. That’s a total of eight.”

On the right side of the wall in large squares were the names of Shiloh Square Financial, Varanda Capital, and Baytrium Group. Below them in a neat row were the names of eight law schools: Foggy Bottom, Midwest, Poseidon, Gulf Coast, Galveston, Bunker Hill, Central Arizona, and Staten Island. Below each name were numbers and words in print too small to read from across the room.

Gordy stepped to the table and poured another measured serving of tequila. He took a sip, stepped back to the wall, and faced them. “Rackley began piecing together these schools about ten years ago, always, of course, hiding behind his many fronts. It’s not illegal to own a for-profit law school or college, but he wants to keep it under cover anyway. Guess he’s afraid someone will catch on to his dirty little scheme. I’ve caught him.” He took another sip and glared at them, his eyes wide and glowing. “In 2006, the bright people in Congress decided that every Tom, Dick, and Harry should be able to vastly improve their lives by getting more education, so the bright people said, basically, that anyone, including the four of us, could borrow as much as needed to pursue professional degrees. Loans for everyone, easy money. Tuition, books, even living expenses, regardless of how much, and of course all backed by the good word of the federal government.”

Mark said, “This is well-known, Gordy.”

“Oh, thank you, Mark. Now, if you’ll just sit there and be quiet I’ll do the talking.”

“Yes, sir.”

“What’s not well-known is that once Rackley owned the law schools, all eight of them, they began expanding rapidly. In 2005, Foggy Bottom had four hundred students. By the time we arrived in 2011, enrollment was at a thousand, where it remains today. Same for his other schools, all have roughly a thousand students. The schools bought buildings, hired every half-assed professor they could find, paid big bucks to administrators with passable credentials, and, of course, marketed themselves like crazy. And why? Well, what’s not well-known are the economics of for-profit law schools.”

He took another sip and moved to the far right of the wall, to a poster board covered with numbers and calculations. He said, “A bit of law school math. Take Foggy Bottom. They clip us for forty-five thousand a year in tuition, and everybody pays. There are no scholarships or grants, nothing real schools have to offer. That’s a gross of forty-five million. They pay the professors about a hundred grand a year, a far cry from the national average of two-twenty for good schools, but still a bonanza for some of the clowns who taught us. There is an endless supply of legal academics looking for work, so they’re lined up begging for the jobs because, of course, they just love being with us students. The school likes to brag about its low student-to-teacher ratio, ten to one, as if we’re all being taught by gifted pros in small, cozy classes, right? Remember first-semester torts? There were two hundred of us packed into Stuttering Steve’s classroom.”

Todd interrupted with “How’d you find out about their salaries?”

“I talked to one of them, tracked him down. He taught admin law for third years and we never had him. Got fired two years ago for drinking on the job. So we got drunk together and he told me everything. I got my sources, Todd, and I know what I’m talking about.”

“Okay, okay. Just curious.”

“Anyway, Foggy Bottom has about 150 professors, its biggest expense, say $15 million a year.” He pointed to a jumble of figures they could barely read. “Then you have the administration on the top floor. Did you know that our incompetent dean makes $800,000 a year? Of course not. The dean at Harvard Law makes half a million a year, but then he’s not in charge of a diploma mill where someone is watching the bottom line. Our dean has a nice résumé, looks good on paper, speaks well whenever he speaks, and has proven rather adept at fronting this racket. Rackley pays all his deans well and expects them to sell the dream. Throw in another, say, $3 million for the other bloated salaries up there and it’s safe to say the administration costs $4 million a year. Let’s be generous and make it $5, so we’re at $20 in costs. Last year it cost $4 million to operate the place — the building, the staff, and, of course, the marketing. Almost $2 million of it was for propaganda to entice even more misguided souls to sign up, start borrowing, and pursue glorious careers in law. I know this because I have a friend who’s a pretty good hacker. He found some stuff, didn’t find some other stuff, and was impressed with the school’s security. He says they work hard at protecting their files.”

“That’s $24 million,” Mark said.

“You’re quick. Round it off to $25, and the Great Satan nets $20 million a year off dear old Foggy Bottom. Multiply that times eight and the math will make you sick.” Gordy cleared his throat and spat at the wall. He took another sip, swallowed slowly, and paced a few steps.

“So how does Rackley do it?” he asked. “He sells the dream and we took the bait. When his eight schools expanded overnight, they opened their doors to everyone, regardless of qualifications or LSAT scores. The average LSAT for entering first years at Georgetown, which we know for sure is a top-tier school, is 165. For the Ivies it’s even higher. We don’t know the average LSAT at Foggy Bottom, because it’s a military secret. My hacker couldn’t penetrate the file. But it’s safe to say it’s well below 150, probably closer to 140. A major flaw in this defective system is that no LSAT score is too low to be admitted. These dipshit law schools will take anybody who can borrow the federal money, and, as stated, anybody can borrow the federal money. The ABA will accredit a kindergarten if it calls itself a law school. No one cares how dumb an applicant might be, nor does the federal loan program. Don’t want to offend anyone in this room but we all know our scores. We’ve all been drunk enough to talk about them, with the exception of Zola of course, who happens to have the highest of the four. So to be diplomatic I’ll say that the average of our little group is 145. Based on percentages, the chances of passing the bar exam with a 145 is about 50 percent. No one told us this when we applied because they care nothing about us; they just wanted our money. We were screwed the day we walked in.”

“You’re preaching to the choir,” Mark said.

“And the sermon is not over,” Gordy shot back, then ignored them for a moment as he studied his wall. Again, they exchanged looks that conveyed apprehension and fear. The sermon was interesting, and depressing, but they were far more worried about their friend.

He continued, “We’re in this mess because we saw the opportunity to pursue a dream, one that we could not afford. None of us should be in law school and now we’re in over our heads. We don’t belong here, but we were scammed into believing we were cut out for lucrative careers. It’s all about marketing and the promise of jobs. Jobs, jobs, jobs, big jobs with nice salaries. The reality, though, is that they don’t exist. Last year the big firms on Wall Street were offering $175,000 to the top grads. About $160,000 here in D.C. We’ve heard about these jobs for years and somehow convinced ourselves that we might get one. Now we know the truth, and the truth is that there are some jobs in the $50,000 range, something like you, Mark, managed to get, though you still don’t know the salary. These are at smaller firms where the work is brutal and the future is bleak. The big firms are paying one-sixty plus. And there is nothing in between. Nothing. We’ve suffered through the interviews, knocked on doors, scoured the Internet, so we know how bad the market is.”

They nodded along, primarily to placate him. Gordy took another sip, moved to the left side of the wall, and pointed. “Here’s the really nasty stuff, the part you know nothing about. Rackley owns a New York law firm called Quinn & Vyrdoliac; you might have heard of it. I had not. In the trade it’s referred to simply as Quinn. Offices in six cities, about four hundred lawyers, not a top one hundred firm. A small branch here in D.C. with thirty lawyers.” He pointed to a sheet of paper with the firm’s name in bold lettering. “Quinn works primarily in financial services, the gutter end. It handles a lot of foreclosures, repossessions, collections, defaults, bankruptcies, almost everything related to debts gone bad. Including student loans. Quinn pays well, at least initially.” He pointed to a colorful brochure, a trifold opened and pinned to the wall. “I saw this four years ago when I was considering Foggy Bottom. You probably saw it too. It features the smiling face of one Jared Molson, a grad who was supposedly happily employed at Quinn with a starting salary of $125,000. I remember thinking that, hey, if Foggy Bottom is turning out guys who get jobs like that, then sign me up. Well, I found Mr. Molson, had a long chat with him over drinks. He was offered a job at Quinn but didn’t sign a contract until after he passed the bar exam. He worked there for six years and quit, and he quit because his salary kept going down. He said that each year the management would study the bottom line and decide that cuts were necessary. His last year he earned just over a hundred and said screw it. He said he lived like a bum, whittled down his debt, and now he’s selling real estate and driving part-time for Uber. The firm’s a sweatshop and he says he got used by Foggy Bottom’s propaganda machine.”

“And he’s not the only one, right?” Todd said.

“Oh no. Molson was just one of many. Quinn has a fancy website and I read the bios of all four hundred lawyers. Thirty percent are from Rackley’s law schools. Thirty percent! So, my friends, Rackley hires them at enviable salaries, then uses their smiling faces and great success stories for his propaganda.”

He paused, took a sip, gave them a smug smile as if waiting for applause. He walked closer to the wall and pointed to another face, a black-and-white photo on copy paper, one of three just under the Great Satan. “This crook is Alan Grind, a Seattle-based lawyer and a limited partner in Varanda. Grind owns a law firm called King & Roswell, another low-tier operation with two hundred lawyers in five cities, primarily out west.” He pointed to the left, where King & Roswell held a spot next to Quinn & Vyrdoliac. “Of Grind’s two hundred lawyers, forty-five came from the eight law schools.”

He took another sip and walked to the table for a refill.

“Are you going to drink that whole bottle?” Mark asked.

“Only if I want to.”

“Maybe you should slow down.”

“And maybe you should worry about yourself. I’m not drunk, just sufficiently buzzed. And who are you to monitor my drinking?”

Mark took a deep breath and let it go. Gordy’s speech was clear enough. His mind was certainly clicking right along. In spite of his disheveled appearance, he seemed to be under control, at least for the moment. He stepped back to the wall and pointed at the photos. “The guy in the middle here is Walter Baldwin, runs a Chicago law firm called Spann & Tatta, three hundred lawyers in seven cities, coast to coast. Same type of work, same fondness for graduates of lesser law schools.” He pointed to the third face under Rackley. “And rounding out the gang is Mr. Marvin Jockety, senior partner of a Brooklyn law firm called Ratliff & Cosgrove. Same setup, same business model.”

Gordy took another sip and admired his work. He turned and looked at the three. “Not to belabor what should be obvious, but Rackley has under his thumb four law firms with eleven hundred lawyers in twenty-seven offices. Between them, they hire enough of his graduates to give his law schools plenty to crow about, so that suckers like us rush in with piles of cash provided by Congress.” His voice was suddenly loud and shaky. “It’s perfect! It’s beautiful! It’s one great big fat law school scam that’s risk-free. If we default the taxpayers pick up the tab. Rackley gets to privatize the profits and socialize the losses.”

He suddenly threw his coffee cup at the wall. It bounced off the thin Sheetrock unbroken and rolled across the floor. He sat hard against the wall, facing them, and stretched out his legs. The soles of his feet were black with dirt and grime.

The crash echoed for a few seconds as they watched him. Nothing was said for a long time. Mark gazed at the wall and absorbed the plot. There was no reason to doubt Gordy’s research. Todd gazed at the wall as if enthralled by the conspiracy. Zola stared at Gordy and wondered what they were supposed to do with him.

Finally, Gordy, almost in a whisper, said, “My number is 276,000 in loans, including this semester. What’s yours, Mark?”

There were no secrets. The four knew each other well enough.

“Including this semester, 266,” Mark said.

“Todd?”

“One-ninety-five.”

“Zola?”

“One-ninety-one.”

Gordy shook his head and laughed, not from humor, but from disbelief. “Almost a million. Who in their right mind would loan the four of us a million dollars?” At the moment, it did seem absurd, even laughable.

After another long pause, Gordy said, “There’s no way out. We’ve been lied to, misled, scammed, and suckered into this miserable place. There’s no way out.”

Todd slowly got to his feet and stepped to the wall. He pointed to the center of it and asked, “What is Sorvann Lenders?”

Gordy snorted another fake laugh and said, “The rest of the story. Rackley, through another company, and this guy has more fronts than a low-rent strip mall, owns Sorvann, which is now the fourth-largest private student lender. If you can’t get enough cash from the government, then you go private, where, surprise, surprise, the interest rates are higher and the debt collectors make the Mafia look like Cub Scouts. Sorvann lends to undergrads as well and has about ninety million in its portfolio. It’s a growing company. Evidently, Rackley smells blood on the private side as well.”

Todd asked, “And what is Passant?”

Another pained laugh. Gordy slowly climbed to his feet and walked to the table, where he grabbed the bottle and took a long swig. He grimaced, swallowed hard, wiped his mouth with his forearm, and finally said, “Passant is Piss Ant, third-largest student loan collecting racket in the country. It’s under contract to the Department of Education to ‘service,’ as they like to say, student debt. There’s over a trillion dollars out there, owed by fools like us. Passant is a bunch of terrorists, been sued a number of times for abusive debt collection practices. Rackley owns a chunk of it. The man is pure evil.”

Gordy walked to the sofa and sat next to Zola. As he passed, Mark got a strong whiff of his body odor. Todd walked to the kitchenette, stepped around the debris on the floor, opened the fridge, and pulled out two cans of beer. He handed one to Mark and both popped the tops. Zola rubbed Gordy’s leg, oblivious to his odors.

Mark nodded at the wall and asked, “So how long have you been working on this?”

“That’s not important. There’s more to the story if you care to hear it.”

“I’ve heard enough,” Mark said. “For now anyway. How about we walk around the corner and get a pizza? Mario’s is still open.”

“Great idea,” Todd said, but no one moved.

Gordy finally said, “My parents are on the hook for ninety thousand of my debt, private stuff I carried over from college. Can you believe that? They were hesitant, and for good reason, but I pushed them hard. What an idiot! My dad makes fifty thousand a year selling farm equipment and owed nothing but a mortgage until I started borrowing. Mom works part-time at the school. I’ve lied to them, told them I have a great job all lined up and I could handle the repayments. I’ve lied to Brenda too. She thinks we’ll be living in the big city where I’ll hustle off to work each day in a nice suit, eager to claw my way to the top. I’m in a bit of a jam, guys, and I see no way out.”

“We’ll survive, Gordy,” Mark said, but without conviction.

“We’ll get through it,” Todd said, without specifying which “it” he was referring to. Law school? The debt? Unemployment? Or Gordy’s breakdown? There were so many challenges at the moment.

Another long, dreary pause. Mark and Todd quietly sipped their beers.

Gordy said, “How can we expose Rackley? I’ve thought about sitting down with a reporter, someone who covers the legal beat for the Post or maybe the Journal. I’ve even thought about a class action lawsuit against the crook. Think of the thousands of young idiots like us who are on the same sinking ship and would love to take a shot at the guy once the truth is out.”

Mark said, “I don’t see a lawsuit. I mean, sure, he’s put together a brilliant scheme but he hasn’t done anything that’s actionable. There’s no law against owning diploma mills, even though he’s trying his best to hide it. His law firms can hire whoever they want. Sleazy, unfair, deceitful, but not enough for a lawsuit.”

“Agreed,” Todd said. “But I love the idea of helping an investigative reporter hammer the guy.”

Zola asked, “Wasn’t there a case in California where a law student sued her law school because she couldn’t find a job?”

Mark replied, “Yes, there have been several, all dismissed but for the one in California. It went to trial and the jury found in favor of the law school.”

Gordy said, “I’m not giving up on the lawsuit. It’s the best way to expose Rackley. Can you imagine what discovery would be like?”

“All fun and games, but he’s not stupid,” Mark said. “Hell, he owns four law firms. Just think of the heavy artillery he’d throw at you. The plaintiffs would spend the next five years drowning in paperwork.”

“What do you know about lawsuits?” Gordy asked.

“Everything. I’ve been educated at Foggy Bottom.”

“I rest my case.”

The lame effort at humor passed and they stared at the floor. Finally, Todd said, “Come on, Gordy, let’s go get a pizza.”

“I’m not going anywhere but I think you guys should leave.”

“Then we’re not leaving either,” Mark said. “We’re staying here.”

“Why? I don’t need a babysitter. Get out.”

Todd, still standing, walked to the sofa and stared down at Gordy. “Let’s talk about you, Gordy, you and your condition. You’re not sleeping or eating, or bathing for that matter. Are you taking your meds?”

“What meds?”

“Come on, Gordy. We’re your friends and we’re here to help.”

“What meds?” he demanded.

“Come on, Gordy, we know what’s going on,” Mark said.

Gordy turned to Zola and growled, “What have you told them?”

Zola was about to respond when Todd said, “Nothing. She’s told us nothing, but we’re not blind, Gordy, we’re your best friends and you need some help.”

“I don’t need meds,” he snapped back, then bolted to his feet, brushed by Todd, and went to his bedroom. Seconds later he yelled, “Get out of here!” and slammed the door. They took a deep breath and stared at each other. Seconds later, the door opened and Gordy came out. He grabbed the bottle of tequila, said, “Leave! Now!” and disappeared again into his bedroom.

A minute passed without a sound. Zola stood and crossed the den. She put an ear to his door and listened. She stepped away and whispered, “I think he’s crying.”

“Great,” Mark whispered.

Another minute passed. Softly, Todd said, “We can’t leave him.”

“No way,” Mark said. “Let’s take turns. I’ll pull the first shift on the sofa.”

“I’m not leaving,” Zola said.

Mark looked around the den and finished his beer. Almost in a whisper he said, “Okay, you take the sofa and I’ll take the chair. Todd, you sleep on Zola’s sofa and we’ll swap in a few hours.”

Todd nodded and said, “Okay, I guess that will work.” He stepped to the fridge, got another beer, and left. Mark turned off the lights and settled into the battered leather chair. A few feet away, Zola curled up on the sofa. He whispered, “This could be a long night.”

“We shouldn’t talk,” she said. “The walls are thin and he might hear us.”

“Right.”

The digital clock on the microwave emitted a bluish light that seemed to grow brighter as their eyes adjusted to the darkness. It defined the shadows of the small dining table, the computer, and printer. Though they were still wide awake, the room was perfectly still. No sounds from the bedroom. Soft, distant music from down the hall. After ten minutes, Mark pulled out his phone and checked his messages and e-mails. Nothing important. The next ten minutes seemed like an hour as the chair grew more uncomfortable.

He stared at the wall. He couldn’t see the picture of Hinds Rackley, but he could feel his eyes gazing smugly down at them. At the moment, though, Mark wasn’t concerned with Rackley and his grand conspiracy. He was worried about Gordy. Their challenge tomorrow would be getting their friend to the doctor.