Chapter 3

I woke the next morning in my childhood bedroom.
For a moment, I thought I was seventeen again.
Sunlight slipped through the curtains.
The old bookshelf stood against the wall.
A framed photograph of my mother rested beside my bed.
Then I turned my head.
Pain shot through my temple.
And everything came back.
The plate.
The recordings.
Marcus screaming at me to turn off the television.
I touched the empty place on my finger where my wedding ring had been.
My stomach tightened.
Someone knocked gently.
"Sweetheart?"
My father's voice.
"Come in."
He entered carrying a tray with oatmeal, fruit, and tea.
He placed it beside me.
"How's your head?"
"Like somebody hit me with a plate."
He tried to smile.
Neither of us laughed.
He sat in the chair beside my bed.
"Danielle is coming at ten."
"Did Marcus get arrested?"
"Yes. He's being held while the initial charges are processed. Evelyn was questioned and released pending further investigation."
I stared at my hands.
Part of me expected Marcus to call.
To apologize.
To explain everything away.
Another part of me dreaded hearing his voice.
My father noticed.
"You don't have to make any decisions today."
I shook my head.
"I already made one."
He waited.
"I'm not going back to him."
My father leaned forward and kissed my forehead.
"Good."
At ten, Danielle arrived with two thick folders.
She was in her forties, sharp-eyed, and impossible to intimidate.
She had helped Grandma prepare her estate documents years earlier.
I trusted her completely.
She sat across from me.
"Nia, I need you to understand what we've discovered."
I braced myself.
"Tell me."
Danielle opened the first folder.
"Six months ago, Marcus approached a private lender seeking a substantial business loan."
"How substantial?"
"Nine hundred thousand dollars."
My mouth fell open.
"Nine hundred thousand?"
My father nodded grimly.
"He told the lender he was developing commercial property."
I shook my head.
"Marcus works in private investment. He never mentioned a commercial project."
"Because there wasn't one," Danielle said.
She slid a document toward me.
It showed a company I had never heard of.
M&E Holdings.
"Marcus and Evelyn created this business together. Through it, they obtained funds for investments that failed."
I stared at the initials.
Marcus and Evelyn.
Even their secret company excluded me.
"What does that have to do with my apartment?"
Danielle turned another page.
"The lender was shown documents claiming you intended to transfer the apartment into the company's ownership."
"But I didn't."
"We know. The signatures appear forged, and the recorded admission strengthens our case."
My heart pounded.
"Did they actually mortgage it?"
"Not through a valid recorded mortgage that we've found. But they used the forged paperwork to convince the lender they had access to valuable collateral."
I exhaled.
"So the apartment is safe?"
"Your recorded title remains in your name. We are taking immediate steps to prevent fraudulent filings."
I covered my face.
Thank God.
Danielle hesitated.
"There is something else."
Of course there was.
"There always is," I whispered.
She opened a separate document.
"The lender is demanding repayment. Marcus apparently told them he would complete the property transfer this week."
I remembered his fury.
Give my mother the apartment!
Suddenly, his desperation made sense.
He wasn't simply obeying Evelyn.
He was running out of time.
"What happens when he can't pay?"
Danielle looked at my father.
"That depends on how far he went."
I sat forward.
"What aren't you telling me?"
My father sighed.
"Marcus has been approaching people using my name."
I froze.
"He told several investors that the Bennett family supported his business."
"But you never invested."
"No."
Danielle continued.
"He presented documents carrying what appears to be Arthur's forged signature."
My chest tightened.
My husband had not only betrayed me.
He had attempted to exploit my father.
"Can you prove it?"
"We're gathering originals and witness statements. For now, we've sent notices that Arthur never authorized those transactions."
I thought of how Marcus had introduced himself at events.
Arthur Bennett's son-in-law.
He loved that title.
He loved the access it gave him.
Perhaps he had never loved anything else.
My father reached for my hand.
"Nia, listen carefully. None of this is your responsibility."
I looked at him.
"But I introduced him to those people."
"You introduced your husband. You did not authorize his lies."
My phone vibrated.
An unfamiliar number appeared.
Danielle glanced at the screen.
"Don't answer without documenting the call."
The number left a voicemail.
I played it on speaker.
Marcus's voice filled the room.
"Nia, baby, please. I made mistakes. I know that. But your father doesn't understand what we're facing."
He paused.
I heard people talking faintly behind him.
"I never wanted you hurt. My mother pushed everything too far."
My hands curled into fists.
Even now, he was blaming someone else.
Then his voice changed.
"Please don't destroy me over this. You promised forever."
The recording ended.
I stared at the phone.
Two years ago, those words would have broken me.
Now they made me angry.
"He isn't sorry he hurt me," I said.
Danielle nodded.
"He's sorry the evidence exists."
My father looked proud and heartbroken at the same time.
An hour later, Danielle helped me begin the process of seeking a protective order.
We also arranged for supervised collection of my belongings, secured my personal accounts, and started reviewing every financial document connected to my marriage.
Then Danielle's assistant called.
I watched her expression change.
"What do you mean she visited the lender?"
She listened.
"When?"
Another pause.
"Send me the photographs."
She ended the call.
"Evelyn met with the lender this morning."
My father frowned.
"Why?"
Danielle opened an email on her tablet.
"According to our investigator, she arrived carrying a folder of documents."
She turned the screen toward us.
The photograph showed Evelyn leaving an office building.
Beside her stood a man in a tan overcoat.
I recognized him immediately.
My mouth went dry.
"That's Richard Cole."
Danielle looked at me.
"You know him?"
I nodded.
"He was the notary Marcus brought to our house."
I swallowed hard.
"He told me he was helping us update our estate plan."
Danielle leaned forward.
"Did you sign anything in his presence?"
I remembered the papers Marcus had placed before me three months earlier.
Documents he called routine.
Documents I had signed because I trusted my husband.
My hands began shaking.
May you like
"Yes," I whispered.
"And I never read the last page."