We had never discussed borrowing that much money.
I called the bank, but the representative explained that she couldn’t disclose details without completing a security process. She advised me to arrange an appointment with the fraud department if I suspected unauthorized activity.
I thanked her and ended the call.
My hands were trembling.
There could be a reasonable explanation. There could be an application that had been canceled, a clerical error, or a misunderstanding.
But there was one person I needed to speak to before making any accusations.
I called our attorney, a woman named Patricia Lewis who had helped us review our estate documents several years earlier.
I explained that I had discovered a loan application I didn’t recognize and wanted to know how to protect myself if my signature had been used without my permission.
Patricia didn’t panic.
She didn’t tell me to confront Sean.
She simply said, “Don’t sign anything else. Keep copies of every document you can lawfully access, and arrange a meeting with the bank’s fraud department. If something improper has happened, we need evidence, not assumptions.”
