“The one I hoped we’d never need.”
There was something about that house Daniel had apparently forgotten. Three months before Emily married him, his credit had collapsed after a failed business venture, leaving him unable to qualify for the mortgage.
Daniel had spent years allowing people to believe his parents had provided the down payment, but they hadn’t contributed the money. I had loaned Emily $82,000, and my attorney had insisted that the transaction be properly documented, with my unpaid loan secured by a lien against the property.
Because Daniel couldn’t qualify for the original mortgage, the deed had initially been recorded only in Emily’s name. Two years later, he persuaded her to refinance, but complications involving his outstanding judgments prevented his name from being added to the recorded deed, and they never corrected the issue afterward.
When Michael arrived carrying the Carter folder, I walked to the front door and rang the bell. Lorraine answered, and whatever satisfaction she had been enjoying disappeared the moment she recognized me.
“You need to leave.”
I held up the certified lien document.
“No. You need to explain why a legal homeowner and a three-year-old child were locked outside a property securing eighty-two thousand dollars of my money.”
Daniel appeared behind his mother and immediately told me to stay out of his marriage.
“I was staying out of it until you left my granddaughter in the rain.”
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