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Chapter 2 - The Guaranty

I made it three blocks before I pulled into a pharmacy parking lot and turned off the engine.

The car kept ticking as it cooled.

My phone rang. Marcus. Then Denise. Then Marcus again.

I let each call finish.

There were practical things a person did after her life split open. She checked that her car doors were locked. She noticed she had forgotten a coat. She wondered whether the hotel would ask why she lived twenty minutes away.

I called Ada Brooks.

We had met in college, when she borrowed a ruler and returned it with a note saying she respected tools too much to keep them. Now she litigated business disputes and had two children who believed I could design a house shaped like a dinosaur.

“Tell me where you are,” she said after hearing my voice.

I gave her the address.

“Stay there. I’m coming.”

“I don’t need rescuing.”

“Good. I need toothpaste.”

She arrived in a sweatshirt, got into my passenger seat, and said nothing while I told her.

When I reached Denise, Ada closed her eyes.

She did not make me say it twice.

I showed her the photograph of Marcus’s screen.

“Monday,” I said. “Something is happening Monday.”

“Have you signed loan documents recently?”

“No.”

“Authorized anyone to sign for you?”

“No.”

“Then we start there.”

Her voice gave the night edges. I could place my feet somewhere again.

She explained that she would check conflicts before formally representing me. Tonight she was my friend, sitting in a parked car. Tomorrow she could help me find the right counsel, including someone for the marriage.

“Don’t delete messages. Don’t go back for papers alone. And don’t use his passwords to go searching through his accounts.”

“I already opened his phone.”

“Tell your lawyer exactly what happened. Preserve what you have. No more improvising.”

I nodded, then realized I was nodding at everything because deciding had become exhausting.

Ada drove behind me to a hotel. At the desk, the clerk asked how many nights.

“Two,” I said.

It was the longest future I could imagine.

Upstairs, Ada ordered soup. I washed my face and found a thread of green silk caught in my wedding ring.

I pulled until the thread broke.

There was a voicemail from my project director asking about Monday’s presentation. I typed that a family emergency required a few days away, then deleted an apology before sending it. Ada noticed.

“You earned those days,” she said.

“I know.”

“Do you?”

I put the phone down. At work, I challenged contractors twice my age. At home, I still worried that needing something made me difficult. Marcus had learned that difference long before I had, and had used it with the patience of a locksmith.

Marcus sent a message while I sat on the bed.

Please don’t destroy the business because you’re hurt.

I handed the phone to Ada.

“He’s already making them the same thing,” she said.

“What?”

“Your reaction and his consequences.”

I opened the banking application for Bell Row Holdings. My own login still worked. I had used it mostly to approve transfers for repairs, trusting the monthly summaries Marcus prepared.

The operating balance was $23,118.

Last month’s summary showed $214,000.

“Maybe payroll,” I said.

We had two maintenance employees and a part-time office assistant. I knew what payroll cost.

I scrolled back through the transactions.

Alder Advisory. Twelve thousand dollars.

Alder Advisory. Eighteen thousand four hundred.

Alder Advisory. Nine thousand.

There were smaller payments scattered among water bills, insurance premiums, and plumbing invoices. Each had a neat description: consulting, project oversight, strategic planning.

Marcus had always liked neat descriptions.

I downloaded the statements available through my account and saved the originals to a new folder. Ada watched me name each file by month.

“Fourteen months,” I said.

The payments totaled $186,400.

Ada wrote the number on hotel stationery, then drew a line beneath it.

“We don’t know what every payment was for yet.”

“I know I never approved that consultant.”

“Then that’s a fact. Keep facts separate from guesses.”

My phone rang again. This time the caller was Tiana.

I stared until Ada asked whether I wanted her to stay.

I answered on speaker.

“Are you alone?” Tiana asked.

“No.”

“Is it Marcus?”

The question made me close my eyes.

“What do you want?”

She took a shaky breath.

“He said you might do something to yourself.”

Ada’s expression hardened.

“I am safe,” I said. “I am not going to hurt myself. Don’t repeat that lie.”

“I didn’t know what to believe.”

“You had nine years of knowing me before you ever met him.”

Silence.

“Why did you tell me not to sign?”

“Because I saw a folder.”

“What folder?”

“Blue. At the office. Your name was on the last page.”

“A printed name?”

“A signature.”

I looked at Ada. She had stopped writing.

“When?”

“Wednesday.”

On Wednesday, I had been in Savannah reviewing a school renovation. I could remember the rain against the meeting room windows and the contractor who kept calling me sweetheart until I corrected him.

“Did you ask him about it?”

Tiana swallowed audibly.

“He said you’d approved it online.”

“Why didn’t you believe him?”

“Because he asked me not to mention it.”

There it was again. Her shame arriving one room behind her choices.

“Send me anything you actually have,” I said. “Don’t go looking for more. Don’t warn him.”

“Nia, I’m scared.”

I looked at the number Ada had written.

“So am I.”

After we hung up, Ada moved the untouched soup closer.

“One spoonful,” she said.

I managed three.

Then an email arrived from an unfamiliar loan officer at Piedmont Community Bank.

It was a courtesy reminder, addressed to me and copied to Marcus.

Monday’s closing remained scheduled for ten.

Attached was the personal guaranty I had apparently signed on Wednesday.

May you like

Above the signature, in plain black type, was the amount I would owe if the loan failed.

Two million four hundred thousand dollars.

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