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Chapter 3 - Severing the Financial Arteries

Priya Sharma was the kind of family law attorney people hired when they wanted the other side to regret being born.

We had been friends since our undergraduate days at Michigan, and she knew the inner workings of my life better than anyone.

When I dialed her direct line, she answered on the very first ring.

"Claire, tell me you locked the door."

"I locked it, Priya."

"Good," she said, her keyboard clattering rapidly in the background.

"Elena just dropped seventy pages of financial filings into my encrypted folder."

"I am looking at the fraudulent loan guarantee right now."

"Mark used an outdated driver's license number for your personal verification, and the digital signature log has an IP conflict that screams forgery."

"We have enough here to file an emergency ex parte motion with the family court by two this afternoon."

"What does that do?" I asked.

"It imposes an immediate temporary restraining order on all marital assets."

"It legally freezes every joint checking account, every shared line of credit, and every corporate transfer facility connected to your name."

"He won't be able to touch a single penny from your corporate earnings."

"What about his personal accounts?"

"I'm not touching his salary account," Priya said strategically.

"We want the judge to see that you acted strictly in self-defense to prevent waste and fraud."

"He will have access to whatever pocket change he keeps in his private checking."

"Which, according to Elena’s audit, is approximately four hundred and twelve dollars."

I couldn't help the dry smirk that touched my face.

"Because he moved everything into Lorraine’s account last week."

"Exactly," Priya said.

"He thought he was being clever."

"He drained his liquid cash into his mother’s LLC to appear destitute for the coming separation, assuming your credit cards would cover the Hawaii trip and all their luxury incidentals."

"Who is listed on the Hawaii bookings, Claire?"

"The villa was booked under my personal American Express card," I said.

"The car rentals were booked under my business corporate reserve."

"Mark asked me to put the down payments on both because his cards were 'glitching'."

"Call American Express right now," Priya ordered.

"Do not cancel the cards entirely—that alerts them too quickly."

"Simply report the unauthorized travel charges on your secondary authorized user cards, dispute the upcoming Hawaiian merchant authorizations, and reduce the authorized user spending limit on Mark's card to zero dollars and zero cents."

"Can I revoke the villa reservation?"

"Did you sign a waiver?"

"No, I booked through the VIP concierge service on my Platinum card," I said.

"They have a twenty-four-hour penalty-free emergency cancellation window for premium account holders."

"Do it immediately," Priya said.

"Then, pull your names off the luxury SUV rentals at Kahului Airport."

"Let Mark present his four-hundred-dollar debit card at the rental counter when they land in Maui."

"Let’s see how far Lorraine's smug smile gets them when the front desk clerk asks for a three-thousand-dollar security deposit."

"What about the forged loan?" I asked, my chest tightening again.

"I am already drafting an affidavit of identity theft and financial fraud," Priya assured me.

"I will serve the hard-money lender with a formal notice of dispute before noon."

"The moment they realize the guarantee is fraudulent, their compliance department will freeze the remaining credit line and launch an internal investigation into Lorraine's LLC."

"Lorraine’s house is tied to that holding company, Claire."

"If that loan goes into default investigation, Lorraine's personal assets will be put on absolute lockdown."

"They built a house of cards on top of your bank accounts, and they just handed you the match."

"How long do I have before they find out?"

"Their flight has a three-hour layover in San Francisco before they cross the Pacific," Priya said, checking the flight numbers I had forwarded earlier.

"They will land at SFO around eleven-thirty AM your time."

"By the time Mark walks off that first plane, his cards will be declined at the airport coffee shop."

"By the time they board the flight to Maui, the villa will be canceled."

"And by the time they land in Hawaii, they will be stranded on an island with no car, no villa, and no access to your money."

"What should I do while this happens?" I asked.

Priya chuckled softly over the line.

"Pack your bags, Claire."

"You told me last week you hadn't taken a real vacation in four years."

"You have your own money in your private corporate accounts that Mark doesn't even know exist."

"Get out of that house."

"Don't be there when the phone calls start screaming."

"Go somewhere they can't reach you."

May you like

I looked at the blue suitcase still standing by the front door.

"I think I know exactly where I'm going."

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