inquest

Chapter 4 - The Paper Trail Deepens

Attorney Mark Sterling’s office was on the thirty-second floor of an uptown glass tower overlooking the city. He was a ruthless family and corporate litigation specialist whom Evan had retained early that morning. By nine o'clock, we were sitting around a mahogany conference table strewn with bank printouts, credit reports, and a forensic accountant’s preliminary memo.

"This is not a simple divorce," Sterling began, adjusting his reading glasses as he flipped through the thick binder. "This is felony fraud on an orchestrated scale. Evan, because the marriage is less than seventy-two hours old and was clearly entered into under fraudulent pretenses, an annulment is our cleanest route. But the criminal side is where she's truly exposed."

Sterling slid a newly printed document toward us.

"When we pulled Evan's comprehensive credit profile this morning, we discovered something curious," the lawyer continued, looking at me. "Three of the high-limit cards opened in Evan's name used an address from four years ago—an apartment Evan never lived in."

I glanced at the address. My stomach dropped into a bottomless pit. "That was my college apartment."

Sterling nodded slowly. "Precisely. Which led our investigator to look into your credit history as well, Erica."

He slid a second folder across the table toward me. My fingers went numb as I opened it.

There were two personal consolidation loans, totaling forty-two thousand dollars, taken out five years ago under my name and Social Security number. The payments had been kept current just enough to avoid collection agencies, funded through an offshore debit card linked to a boutique LLC registered under... Kayla Vance.

"She stole your identity years ago," Sterling said bluntly. "She used your clean student credit to fund her designer lifestyle while she was building her so-called PR consulting business. When she met Evan, an executive with high net worth and pristine credit, she migrated her scheme to him. She didn't marry a husband; she acquired a line of credit."

"My parents had to know," I choked out, the betrayal hitting me in fresh, suffocating waves. "When I was twenty-one, I was rejected for my first car loan because of an unexplained debt flag. I asked my mom about it, and she told me it was a clerical error and that she would handle it. She told me never to look at credit bureaus because 'they scam young people.' She covered for her."

"They enabled a predator," Evan said, his fists clenching until his knuckles turned bone-white. "She took seventy-one thousand from me in ten months, drained our house deposit, and God knows what else. And last night, she almost murdered you to entertain herself."

Sterling closed the file with a decisive snap. "The police department's financial crimes unit has officially accepted the complaint. Furthermore, with the video evidence of the pool incident, we are submitting a criminal referral for reckless endangerment and aggravated assault."

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"Can she go to prison?" I asked.

"If the District Attorney looks at this packet?" Sterling smiled thinly. "She won't just go to prison, Erica. She won't know what hit her."

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