Collection Notice is a money lender who holds no love for his fellow equine, coveying bits above all else. Once upon a Hearth's Warming Eve, He goes upon a remarkable (and no little bit frightening) journey of self-discovery at the behest of an old friend.

This is my attempt to meld one of my favorite Holiday stories with My Little Pony in a way that stays true to the original without doing an exact word-for-word copy.